diff --git "a/complaints.json" "b/complaints.json" deleted file mode 100644--- "a/complaints.json" +++ /dev/null @@ -1 +0,0 @@ -[{"Question":"there is a XXXX BP account on my credit report that does not belong to me. I have attem have attempted to dispute several times to no avail. \n","text":"Company chooses not to provide a public response","context":": there is a XXXX BP account on my credit report that does not belong to me. I have attem have attempted to dispute several times to no avail. \n : Company chooses not to provide a public response"},{"Question":"I have credit cards with CitiCard and XXXX XXXX XXXX. I mail in payments a week before the due date but they are posted the day after the due date and late fees are charged. When the companies are contacted, I 'm told \" we do n't have control over the Postal Service ''. \n","text":"Company chooses not to provide a public response","context":": I have credit cards with CitiCard and XXXX XXXX XXXX. I mail in payments a week before the due date but they are posted the day after the due date and late fees are charged. When the companies are contacted, I 'm told \" we do n't have control over the Postal Service ''. \n : Company chooses not to provide a public response"},{"Question":"Incorrect information is being reported by the credit bureau 's. My identity was stolen. \n","text":"Company chooses not to provide a public response","context":": Incorrect information is being reported by the credit bureau 's. My identity was stolen. \n : Company chooses not to provide a public response"},{"Question":"ALLY bank doesnt accept other form of identification but a social security number \n","text":"Company chooses not to provide a public response","context":": ALLY bank doesnt accept other form of identification but a social security number \n : Company chooses not to provide a public response"},{"Question":"Bank of America continues to charge me late fees within the 30 day window. I pay my mortgage within the 30 day window, i.e. my payment is due XXXX XXXX and I pay before XXXX XXXX and they charge me a {$90.00} late fee \n","text":"Company chooses not to provide a public response","context":": Bank of America continues to charge me late fees within the 30 day window. I pay my mortgage within the 30 day window, i.e. my payment is due XXXX XXXX and I pay before XXXX XXXX and they charge me a {$90.00} late fee \n : Company chooses not to provide a public response"},{"Question":"Ordered a XXXX credit report and scores from XXXX ( Experian ) .They only gave me XXXX score and XXXX report from Experian. They said there was an error in getting the other XXXX scores & reports. I paid them {$49.00}, & they will not refund my money. It was paid with a Visa card \n","text":"Company chooses not to provide a public response","context":": Ordered a XXXX credit report and scores from XXXX ( Experian ) .They only gave me XXXX score and XXXX report from Experian. They said there was an error in getting the other XXXX scores & reports. I paid them {$49.00}, & they will not refund my money. It was paid with a Visa card \n : Company chooses not to provide a public response"},{"Question":"I have been trying to resolve problems with Citibank andtheir XXXX credit cards. The matter has been going onsometime. I need to resolve these problems but thebank has not been helpful, other than sending formattedlong letters. I hope they come up with a solution. \n","text":"Company chooses not to provide a public response","context":": I have been trying to resolve problems with Citibank andtheir XXXX credit cards. The matter has been going onsometime. I need to resolve these problems but thebank has not been helpful, other than sending formattedlong letters. I hope they come up with a solution. \n : Company chooses not to provide a public response"},{"Question":"I am being called by USAA credit card services XXXX times a day regarding a credit card debt. They call on weekends, Holidays, and sometimes at XXXX at night. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am being called by USAA credit card services XXXX times a day regarding a credit card debt. They call on weekends, Holidays, and sometimes at XXXX at night. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"MANY HARASSING PHONE CALLS PER DAY \n","text":"Company can't verify or dispute the facts in the complaint","context":": MANY HARASSING PHONE CALLS PER DAY \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I was offered a pre-paid card from Continental financial, but was not interested in their services. They made an inquiry into my credit which has negatively affected my credit. They will not remove the inquiry and it has negatively impacted my credit. \n","text":"Company chooses not to provide a public response","context":": I was offered a pre-paid card from Continental financial, but was not interested in their services. They made an inquiry into my credit which has negatively affected my credit. They will not remove the inquiry and it has negatively impacted my credit. \n : Company chooses not to provide a public response"},{"Question":"Calling for someone that does not live with me and never has. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Calling for someone that does not live with me and never has. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Bank of America issued a Debt Forgiveness letter in XX\/XX\/XXXX. It was effective XX\/XX\/XXXX. However, they refuse to show a zero balance and we are unable to achieve there cooperation. They claim they are \"processing\". Well, the letter said nothing about processing.","text":"Company chooses not to provide a public response","context":": Bank of America issued a Debt Forgiveness letter in XX\/XX\/XXXX. It was effective XX\/XX\/XXXX. However, they refuse to show a zero balance and we are unable to achieve there cooperation. They claim they are \"processing\". Well, the letter said nothing about processing. : Company chooses not to provide a public response"},{"Question":"some is using my name and social security number applying for cards in my name. I been receiving phone calls from XXXX and all around different states. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": some is using my name and social security number applying for cards in my name. I been receiving phone calls from XXXX and all around different states. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received a letter in the mail stating I had a ticket that I owed money for. When I called to find out what they were talking abut they said it was for a speeding ticket in Illinois in 1999. I was nowhere near there at that time. \n","text":"Company chooses not to provide a public response","context":": I received a letter in the mail stating I had a ticket that I owed money for. When I called to find out what they were talking abut they said it was for a speeding ticket in Illinois in 1999. I was nowhere near there at that time. \n : Company chooses not to provide a public response"},{"Question":"Hello I am a victim of freud and I have made so many attempts to have this resolved my credit cards were used and I reported this each company without resolution. XXXX, XXXX Bank, XXXX XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": Hello I am a victim of freud and I have made so many attempts to have this resolved my credit cards were used and I reported this each company without resolution. XXXX, XXXX Bank, XXXX XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"Several paid collections came off of my report, then after I bought my house, those mysteriously came back on. \n","text":"Company chooses not to provide a public response","context":": Several paid collections came off of my report, then after I bought my house, those mysteriously came back on. \n : Company chooses not to provide a public response"},{"Question":"XXXX has sent a previous account into collections based on an amount that I do not owe. A portion of the bill owed was slotted for equipment that I 'd paid for previously when the company withdrew funds from my account. I do not owe for un-returned equipment. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX has sent a previous account into collections based on an amount that I do not owe. A portion of the bill owed was slotted for equipment that I 'd paid for previously when the company withdrew funds from my account. I do not owe for un-returned equipment. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX REFUSED VALIDATION REQUEST AND INSTALLED INQUIRY ON MY CREDIT. IGNORED CEASE AND CEASE, PAID ORIGINAL CREDITOR. \n","text":"Company chooses not to provide a public response","context":": XXXX REFUSED VALIDATION REQUEST AND INSTALLED INQUIRY ON MY CREDIT. IGNORED CEASE AND CEASE, PAID ORIGINAL CREDITOR. \n : Company chooses not to provide a public response"},{"Question":"The issue is with Private Mortgage Insurance ( PMI ) charged during Loan Payoff. PMI was charged for the whole month. After refinancing my mortgage loan, although I closed on XXXX of the month and lender charged PMI fro the whole month \n","text":"Company chooses not to provide a public response","context":": The issue is with Private Mortgage Insurance ( PMI ) charged during Loan Payoff. PMI was charged for the whole month. After refinancing my mortgage loan, although I closed on XXXX of the month and lender charged PMI fro the whole month \n : Company chooses not to provide a public response"},{"Question":"Although I make my payments on time, Macy 's continues to lower my extended credit offer several times a year without proper notice. \n","text":"Company chooses not to provide a public response","context":": Although I make my payments on time, Macy 's continues to lower my extended credit offer several times a year without proper notice. \n : Company chooses not to provide a public response"},{"Question":"On XXXX XXXX I sent to Transunion via Certified Mail a letter disputing several unverified items which arrived at Transunion on XXXX XXXX, XX\/XX\/2015 \n","text":"Company chooses not to provide a public response","context":": On XXXX XXXX I sent to Transunion via Certified Mail a letter disputing several unverified items which arrived at Transunion on XXXX XXXX, XX\/XX\/2015 \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"My former bank kept my bank account open by putting and taking money out of my account so they can keep charging me fees \n","text":"Company chooses not to provide a public response","context":": My former bank kept my bank account open by putting and taking money out of my account so they can keep charging me fees \n : Company chooses not to provide a public response"},{"Question":"I did not open a XXXX account back in 2013 like its showing on my credit history. Nor have i had a XXXX account in the past 7 years. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I did not open a XXXX account back in 2013 like its showing on my credit history. Nor have i had a XXXX account in the past 7 years. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"We repeatedly receive computerized phone calls from Enhanced Debt Recoveryphone # XXXX even though we have no debts and are on the no-call list. \n","text":"Company can't verify or dispute the facts in the complaint","context":": We repeatedly receive computerized phone calls from Enhanced Debt Recoveryphone # XXXX even though we have no debts and are on the no-call list. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"UCB keeps calling people with same last name as me asking them to provide my where about and discussing personal information with them. they also refuse to tell me why they are calling and on behalf of who they are calling. \n","text":"Company chooses not to provide a public response","context":": UCB keeps calling people with same last name as me asking them to provide my where about and discussing personal information with them. they also refuse to tell me why they are calling and on behalf of who they are calling. \n : Company chooses not to provide a public response"},{"Question":"It is several accounts that are incorrect, XXXX XXXX XXXX XXXX ( XXXX XXXX online XXXX ), XXXX ( XXXX ) SERVICES, XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX,, XXXX XXXX, ( XXXX XXXX XXXX XXXX ). \n","text":"Company chooses not to provide a public response","context":": It is several accounts that are incorrect, XXXX XXXX XXXX XXXX ( XXXX XXXX online XXXX ), XXXX ( XXXX ) SERVICES, XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX,, XXXX XXXX, ( XXXX XXXX XXXX XXXX ). \n : Company chooses not to provide a public response"},{"Question":"bank of XXXX mail me my rebate card, lost it bank of XXXX says its the XXXX who gave the rebate \n","text":"Company chooses not to provide a public response","context":": bank of XXXX mail me my rebate card, lost it bank of XXXX says its the XXXX who gave the rebate \n : Company chooses not to provide a public response"},{"Question":"As of today, XX\/XX\/XXXX I have XXXX inquires that I \" DID NOT '' initiate. The inquiries are on all three credit bureaus reports. I have not applied for any credit since XX\/XX\/XXXX. My credit reports should be free of inquiries. \n","text":"Company chooses not to provide a public response","context":": As of today, XX\/XX\/XXXX I have XXXX inquires that I \" DID NOT '' initiate. The inquiries are on all three credit bureaus reports. I have not applied for any credit since XX\/XX\/XXXX. My credit reports should be free of inquiries. \n : Company chooses not to provide a public response"},{"Question":"I have negative items on my credit that doesnt belong to me \n","text":"Company chooses not to provide a public response","context":": I have negative items on my credit that doesnt belong to me \n : Company chooses not to provide a public response"},{"Question":"The representative stated I had no right to dispute : only that I had to pay a 7 year old {$84.00} bill \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The representative stated I had no right to dispute : only that I had to pay a 7 year old {$84.00} bill \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports. \n","text":"Company chooses not to provide a public response","context":": There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports. \n : Company chooses not to provide a public response"},{"Question":"The CFPB resolved an issue for me with a XXXX credit card. XXXX apologized and refunded all late fees. However, Sears is still reporting this issue as a late payment on my credit report. Please ask XXXX to remove the late payment on my credit report. \n","text":"Company chooses not to provide a public response","context":": The CFPB resolved an issue for me with a XXXX credit card. XXXX apologized and refunded all late fees. However, Sears is still reporting this issue as a late payment on my credit report. Please ask XXXX to remove the late payment on my credit report. \n : Company chooses not to provide a public response"},{"Question":"Called this work related phone number after being told that this was for work purposes only and a personal number was given to them. \n","text":"Company disputes the facts presented in the complaint","context":": Called this work related phone number after being told that this was for work purposes only and a personal number was given to them. \n : Company disputes the facts presented in the complaint"},{"Question":"I cancelled membership with XXXX XXXX XXXX XXXX both in person and in writing, effective XXXX XXXX, 2010. The fitness center continued to charge my account. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I cancelled membership with XXXX XXXX XXXX XXXX both in person and in writing, effective XXXX XXXX, 2010. The fitness center continued to charge my account. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I went onto get my free annual credit report and Experian said they were unable to process my request, ( although I had just received my report from XXXX and XXXX ), however Experian was willing to mail me my report for {$20.00}! I feel as if I have just been cheated! \n","text":"Company chooses not to provide a public response","context":": I went onto get my free annual credit report and Experian said they were unable to process my request, ( although I had just received my report from XXXX and XXXX ), however Experian was willing to mail me my report for {$20.00}! I feel as if I have just been cheated! \n : Company chooses not to provide a public response"},{"Question":"I paid my overdraft accout about a year ago amd it is still on my credit scores as unpaid. \nI called before and they said they took care of it. I just need this to be on file and out of my credit scores. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I paid my overdraft accout about a year ago amd it is still on my credit scores as unpaid. \nI called before and they said they took care of it. I just need this to be on file and out of my credit scores. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"XXXX, acting this toime through West Asset Management , Inc, is making an attempt to falsely collect for a debt of {$150.00} that is supposedly for a signal booster that was never requested and never delivered because I did not have XXXX Service. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX, acting this toime through West Asset Management , Inc, is making an attempt to falsely collect for a debt of {$150.00} that is supposedly for a signal booster that was never requested and never delivered because I did not have XXXX Service. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I keep getting loan offers an cars approved loans tellamarketers \n","text":"Company chooses not to provide a public response","context":": I keep getting loan offers an cars approved loans tellamarketers \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The company, West Asset Management, repeatedly calls me on my cell phone refuses to identify why they are calling and states repeatedly \" I have your Social Security Number now you need to verify it for me. '' \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The company, West Asset Management, repeatedly calls me on my cell phone refuses to identify why they are calling and states repeatedly \" I have your Social Security Number now you need to verify it for me. '' \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Experian will not change payment status from XXXX despite documentation from XXXX and documentation from XXXX. XXXX changed its record to \" Satisfactory. '' I have madethree contacts with Experian, to noavail. \n","text":"Company chooses not to provide a public response","context":": Experian will not change payment status from XXXX despite documentation from XXXX and documentation from XXXX. XXXX changed its record to \" Satisfactory. '' I have madethree contacts with Experian, to noavail. \n : Company chooses not to provide a public response"},{"Question":"TRIED TO OPEN BANK ACCOUNT AND XXXX SYSTEMS REPORTED THAT MY SOCIAL SECURITY NUMBER COULD N'T BE MINE GIVEN THE SEQUENCE OF NUMBERS WAS AVAILABLE FOR ISSUE IN XX\/XX\/XXXX IN NY, HOWEVER, I WAS BORN IN XXXX MARYLAND IN XX\/XX\/XXXX NOT NY. \n","text":"Company chooses not to provide a public response","context":": TRIED TO OPEN BANK ACCOUNT AND XXXX SYSTEMS REPORTED THAT MY SOCIAL SECURITY NUMBER COULD N'T BE MINE GIVEN THE SEQUENCE OF NUMBERS WAS AVAILABLE FOR ISSUE IN XX\/XX\/XXXX IN NY, HOWEVER, I WAS BORN IN XXXX MARYLAND IN XX\/XX\/XXXX NOT NY. \n : Company chooses not to provide a public response"},{"Question":"The attached letter to the XXXX of the Bank of America gives an actual account of my recent interaction with the bank. The bank should not be allowed to change the terms of my accounts with them at will and charge me fees at will \n","text":"Company chooses not to provide a public response","context":": The attached letter to the XXXX of the Bank of America gives an actual account of my recent interaction with the bank. The bank should not be allowed to change the terms of my accounts with them at will and charge me fees at will \n : Company chooses not to provide a public response"},{"Question":"On the US Bank XXXX XXXX Visa Card, they are changing the card benefits. \nTHE LANGUAGE, the agreement we signed up for CLEARLY SAYS GET THAT XXXX free night AFTER PAYING THE {$75.00} FEE. They have to live up to their terms & conditions here! \n","text":"Company chooses not to provide a public response","context":": On the US Bank XXXX XXXX Visa Card, they are changing the card benefits. \nTHE LANGUAGE, the agreement we signed up for CLEARLY SAYS GET THAT XXXX free night AFTER PAYING THE {$75.00} FEE. They have to live up to their terms & conditions here! \n : Company chooses not to provide a public response"},{"Question":"I do not owe this company XXXX XXXX anything and the collection company keeps sending me request for $ without providing me proof of my transactions or else \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I do not owe this company XXXX XXXX anything and the collection company keeps sending me request for $ without providing me proof of my transactions or else \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Barclays Bank Delaware is reporting a credit card under my name with a balance of {$6800.00}. This account is not mine, but is being reported to XXXX. XXXX shows the account was opened XXXX\/XXXX\/93. This account is not mine. \n","text":"Company chooses not to provide a public response","context":": Barclays Bank Delaware is reporting a credit card under my name with a balance of {$6800.00}. This account is not mine, but is being reported to XXXX. XXXX shows the account was opened XXXX\/XXXX\/93. This account is not mine. \n : Company chooses not to provide a public response"},{"Question":"people are calling me to sayi im going to jail they even got my husbands cell number asking for me to they keep harassing me calling my job if I block the number they use a nother XXXX to call me again and again and my husbands to \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": people are calling me to sayi im going to jail they even got my husbands cell number asking for me to they keep harassing me calling my job if I block the number they use a nother XXXX to call me again and again and my husbands to \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX has been on my credit report since XX\/XX\/XXXX and should have been then. They are on XXXX with XXXX XXXX a collection agency they hired. This is well over seven years and according to FCRA these should have been off in XX\/XX\/XXXX. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX has been on my credit report since XX\/XX\/XXXX and should have been then. They are on XXXX with XXXX XXXX a collection agency they hired. This is well over seven years and according to FCRA these should have been off in XX\/XX\/XXXX. \n : Company chooses not to provide a public response"},{"Question":"I received a call from XXXX saying they were a debt collector and I needed to call them. The call was to my business line and we do not borrow money. I called them back and they claim to have removed my number, but why would they call me in the XXXX place? \n","text":"Company can't verify or dispute the facts in the complaint","context":": I received a call from XXXX saying they were a debt collector and I needed to call them. The call was to my business line and we do not borrow money. I called them back and they claim to have removed my number, but why would they call me in the XXXX place? \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Received a loan from XXXX XXXX and the harrasments and calling of references on a constant due to late payment is ridiculous. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Received a loan from XXXX XXXX and the harrasments and calling of references on a constant due to late payment is ridiculous. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Keep getting a call from this number, before it was XXXX XXXX XXXX, I had it blocked and now they have changed XXXX number to call me. I see other complaints online from this number and the XXXX. Can I sue? \n","text":"Company chooses not to provide a public response","context":": Keep getting a call from this number, before it was XXXX XXXX XXXX, I had it blocked and now they have changed XXXX number to call me. I see other complaints online from this number and the XXXX. Can I sue? \n : Company chooses not to provide a public response"},{"Question":"I checked my credit report and found this collection on my report. I have no knowledge of said debt and would like documentation to back up their findings. I assume this is medical by the name and MED in the creditor. \n","text":"Company chooses not to provide a public response","context":": I checked my credit report and found this collection on my report. I have no knowledge of said debt and would like documentation to back up their findings. I assume this is medical by the name and MED in the creditor. \n : Company chooses not to provide a public response"},{"Question":"Thanks for your assistance. I was billed for a medical task that my insurance stated I am not responsible for. I called XXXX and spoke to them about this, and provided the documentation from my insurance company. This was ignored and I was billed and then reported for non-payment. \n","text":"Company chooses not to provide a public response","context":": Thanks for your assistance. I was billed for a medical task that my insurance stated I am not responsible for. I called XXXX and spoke to them about this, and provided the documentation from my insurance company. This was ignored and I was billed and then reported for non-payment. \n : Company chooses not to provide a public response"},{"Question":"I found a ding on my credit report from this company and have NEVER received a bill or any other communication from this debt collector. \n","text":"Company chooses not to provide a public response","context":": I found a ding on my credit report from this company and have NEVER received a bill or any other communication from this debt collector. \n : Company chooses not to provide a public response"},{"Question":"I bankruptcy was dismissed in XXXX 2010. Would like for this to be removed from my Credit Report. I have been trying to rebuild my credit for the last 5 years and this is impacting my Credit Score. \n","text":"Company chooses not to provide a public response","context":": I bankruptcy was dismissed in XXXX 2010. Would like for this to be removed from my Credit Report. I have been trying to rebuild my credit for the last 5 years and this is impacting my Credit Score. \n : Company chooses not to provide a public response"},{"Question":"I received a letter from Worth Finance Corp that included a \" check '' for {$800.00}. In reality, this is an offer for an {$800.00} loan with an APR of 91.02 % ( {$370.00} in finance charges ). Is this legal? Should n't the CFPB be shutting down predatory lending of this nature? \n","text":"Company disputes the facts presented in the complaint","context":": I received a letter from Worth Finance Corp that included a \" check '' for {$800.00}. In reality, this is an offer for an {$800.00} loan with an APR of 91.02 % ( {$370.00} in finance charges ). Is this legal? Should n't the CFPB be shutting down predatory lending of this nature? \n : Company disputes the facts presented in the complaint"},{"Question":"Dear Sir\/madam, I have disputed an item that is illegally reported on my credit file with Eperian, But it has been over 30 days since they received a dispute letter. I have n't heard any result of investigation. \n","text":"Company chooses not to provide a public response","context":": Dear Sir\/madam, I have disputed an item that is illegally reported on my credit file with Eperian, But it has been over 30 days since they received a dispute letter. I have n't heard any result of investigation. \n : Company chooses not to provide a public response"},{"Question":"I was sued by XXXX XXXX XXXX for credit card debt. All funds in my checking\/savings accounts garnished. I was solicited and brought into a binding contract with the original creditor as a minor. Credit report shows false information regarding my identity. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was sued by XXXX XXXX XXXX for credit card debt. All funds in my checking\/savings accounts garnished. I was solicited and brought into a binding contract with the original creditor as a minor. Credit report shows false information regarding my identity. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Received a property tax refund from my county for last years taxes. Check has been deposited into my escrow account and loan servicing center will not return this to me. Escrow balance is currently over the amount i owe for the year 4 months into the year \n","text":"Company chooses not to provide a public response","context":": Received a property tax refund from my county for last years taxes. Check has been deposited into my escrow account and loan servicing center will not return this to me. Escrow balance is currently over the amount i owe for the year 4 months into the year \n : Company chooses not to provide a public response"},{"Question":"Why did I make payments to State Farm bank for the prepaid insurance they got from XXXX XXXX? \n","text":"Company chooses not to provide a public response","context":": Why did I make payments to State Farm bank for the prepaid insurance they got from XXXX XXXX? \n : Company chooses not to provide a public response"},{"Question":"i do not recognize this information this is a fraudulent account that needs to be removed asap as it was opened as a result of identity theft \n","text":"Company chooses not to provide a public response","context":": i do not recognize this information this is a fraudulent account that needs to be removed asap as it was opened as a result of identity theft \n : Company chooses not to provide a public response"},{"Question":"Upon receiving my credit report, I noticed many inaccurate reports that had primarily been reported by Experian. I am seeking all ways to have this report corrected. This is just another tool in this attempt. \n","text":"Company chooses not to provide a public response","context":": Upon receiving my credit report, I noticed many inaccurate reports that had primarily been reported by Experian. I am seeking all ways to have this report corrected. This is just another tool in this attempt. \n : Company chooses not to provide a public response"},{"Question":"Letters threatening to sue on a fraudulent debt alleging I owe a XXXX year old credit card debt from an original creditor ( XXXX XXXX Bank ). I 've never had an account with this company. The debt is time barred. \n","text":"Company chooses not to provide a public response","context":": Letters threatening to sue on a fraudulent debt alleging I owe a XXXX year old credit card debt from an original creditor ( XXXX XXXX Bank ). I 've never had an account with this company. The debt is time barred. \n : Company chooses not to provide a public response"},{"Question":"RIDICULOUS I CANT BE HAVIN PEOPLE CALLIN ME AND TELLING THINGS THAT DO NOT EVEN BELONG TO ME. AND ON TOP OF EVERYTHING THEY REPORTING ON MY CREDIT. SO I SENT A NOTICE SAYING TO STOP. THEY STILL DOIN IT \n","text":"Company disputes the facts presented in the complaint","context":": RIDICULOUS I CANT BE HAVIN PEOPLE CALLIN ME AND TELLING THINGS THAT DO NOT EVEN BELONG TO ME. AND ON TOP OF EVERYTHING THEY REPORTING ON MY CREDIT. SO I SENT A NOTICE SAYING TO STOP. THEY STILL DOIN IT \n : Company disputes the facts presented in the complaint"},{"Question":"They have repossessed our car and auctioned it off. We get many calls a day. They were sent a notice and still keep calling. Each time we talk they say they will keep calling till we pay. I am XXXX and on XXXX. We do not have enough to pay our regular bills. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They have repossessed our car and auctioned it off. We get many calls a day. They were sent a notice and still keep calling. Each time we talk they say they will keep calling till we pay. I am XXXX and on XXXX. We do not have enough to pay our regular bills. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I purchased a stereo from XXXX XXXX back in XXXX 2014. I paid for the stereo in full. A month ago a collection company contacts me stating I owe {$3000.00}? I do not owe this company any more money. This is fraud. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I purchased a stereo from XXXX XXXX back in XXXX 2014. I paid for the stereo in full. A month ago a collection company contacts me stating I owe {$3000.00}? I do not owe this company any more money. This is fraud. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Experian refuses to delete an account that was supposed to be deleted in XXXX 2015. I have disputed and provided them their own records and they still wont delete it. Attached is proof from my XXXX report and how the info changed on my XXXX report. \n","text":"Company chooses not to provide a public response","context":": Experian refuses to delete an account that was supposed to be deleted in XXXX 2015. I have disputed and provided them their own records and they still wont delete it. Attached is proof from my XXXX report and how the info changed on my XXXX report. \n : Company chooses not to provide a public response"},{"Question":"30 days late assesd to account ( car was refinanced ] XXXX\/XXXX\/15 ccheck XXXX check XXXX payment XXXX file closed \n","text":"Company chooses not to provide a public response","context":": 30 days late assesd to account ( car was refinanced ] XXXX\/XXXX\/15 ccheck XXXX check XXXX payment XXXX file closed \n : Company chooses not to provide a public response"},{"Question":"JEFFCAPSYS keeps reporting that I owe XXXX dollars and I dont. They keep showing that I pay for one month then show that I dont pay for several months. This is a lie. I know nothing of this account. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": JEFFCAPSYS keeps reporting that I owe XXXX dollars and I dont. They keep showing that I pay for one month then show that I dont pay for several months. This is a lie. I know nothing of this account. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I do not recognize this account this account has been opened as a result of my identity being stolen it needs to be removed asap \n","text":"Company chooses not to provide a public response","context":": I do not recognize this account this account has been opened as a result of my identity being stolen it needs to be removed asap \n : Company chooses not to provide a public response"},{"Question":"I have asked the company XXXX to not call me at work and to communicate with me In writing and they 're still calling me at work. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have asked the company XXXX to not call me at work and to communicate with me In writing and they 're still calling me at work. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I do not recognize this bankcard? This account was a result of identity theft and needs to be removed immediately \n","text":"Company chooses not to provide a public response","context":": I do not recognize this bankcard? This account was a result of identity theft and needs to be removed immediately \n : Company chooses not to provide a public response"},{"Question":"Judgments filed and reported while on XXXX. \n","text":"Company chooses not to provide a public response","context":": Judgments filed and reported while on XXXX. \n : Company chooses not to provide a public response"},{"Question":"Disputed several accounts with credit bureaus over 60 days ago, still have yet to receive XXXX letter from them. \n","text":"Company chooses not to provide a public response","context":": Disputed several accounts with credit bureaus over 60 days ago, still have yet to receive XXXX letter from them. \n : Company chooses not to provide a public response"},{"Question":"They called after XXXX and left a message.. \n","text":"Company disputes the facts presented in the complaint","context":": They called after XXXX and left a message.. \n : Company disputes the facts presented in the complaint"},{"Question":"I HAVE ALREADY SENT A NOTICE TO THESE PEOPLE TO STOP REPORTING THE ACCOUNT ON MY REPORT AND TO STOP HARASSING ME ABOUT SOMETHING THAT ISNT EVEN MINE NOW I HAVE SENT YET ANOTHER AND NOTHING HAS STOPPED. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I HAVE ALREADY SENT A NOTICE TO THESE PEOPLE TO STOP REPORTING THE ACCOUNT ON MY REPORT AND TO STOP HARASSING ME ABOUT SOMETHING THAT ISNT EVEN MINE NOW I HAVE SENT YET ANOTHER AND NOTHING HAS STOPPED. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"FOR SOME ODD REASON THIS COMPANY THINKS THAT THEY CAN IGNORE A PERSON AND HARASS THEM LIKE THERE IS NO TOMORROW. I HAVE ASKED EVERY TIME THAT THEY CALL AND TO DELETE FROM MY CREDIT REPORT BUT THEY HAVE CONTINUED TO DO BOTH. \n","text":"Company chooses not to provide a public response","context":": FOR SOME ODD REASON THIS COMPANY THINKS THAT THEY CAN IGNORE A PERSON AND HARASS THEM LIKE THERE IS NO TOMORROW. I HAVE ASKED EVERY TIME THAT THEY CALL AND TO DELETE FROM MY CREDIT REPORT BUT THEY HAVE CONTINUED TO DO BOTH. \n : Company chooses not to provide a public response"},{"Question":"Contacting my work. Using my work phone to contact me which is a violation of FDCPA. Also I do not owe the amount stated since, as anyone knows, my federal tax return has been takes every year since 2007. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Contacting my work. Using my work phone to contact me which is a violation of FDCPA. Also I do not owe the amount stated since, as anyone knows, my federal tax return has been takes every year since 2007. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"An old Debt that should have been removed from my Experian Credit Report, Account number XXXX by XXXX XXXX remains on my report. It represents a debt that is well over seven years old. \n","text":"Company chooses not to provide a public response","context":": An old Debt that should have been removed from my Experian Credit Report, Account number XXXX by XXXX XXXX remains on my report. It represents a debt that is well over seven years old. \n : Company chooses not to provide a public response"},{"Question":"My cosigner continues to get harassing and threatening phone calls from debt collector NES of Ohio, even though I asked them to stop. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My cosigner continues to get harassing and threatening phone calls from debt collector NES of Ohio, even though I asked them to stop. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX XXXX has a credit card balance on my profile that is not mine. it was a closed credit card of my relatives that i had a authorized card. however i asked that the account be closed and to take the card off my profile since i am not the master owner of the card. \nXXXX XXXX \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX has a credit card balance on my profile that is not mine. it was a closed credit card of my relatives that i had a authorized card. however i asked that the account be closed and to take the card off my profile since i am not the master owner of the card. \nXXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"i had over three diffrent payday loans out at the same time. in the state of Florida thats illegal. i did n't expect for a XXXX $ to have to pay back over XXXX {$.00} im trying to recover, but now white pine states they are garnishing my wages without due process and no court order. \n","text":"Company chooses not to provide a public response","context":": i had over three diffrent payday loans out at the same time. in the state of Florida thats illegal. i did n't expect for a XXXX $ to have to pay back over XXXX {$.00} im trying to recover, but now white pine states they are garnishing my wages without due process and no court order. \n : Company chooses not to provide a public response"},{"Question":"They have called my cell XXXX times and only let the phone ring XXXX before hanging up. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They have called my cell XXXX times and only let the phone ring XXXX before hanging up. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"they put on my credit report that I owe {$600.00} for an account I never had \n","text":"Company can't verify or dispute the facts in the complaint","context":": they put on my credit report that I owe {$600.00} for an account I never had \n : Company can't verify or dispute the facts in the complaint"},{"Question":"The firm, Luster Glaser and Wilson, PC Located at XXXX, MA.XXXX receive repeated phone calls from this agency, ( Up to XXXX times in one day ) concerning a XXXX XXXX. I have told them, that no one lives here by that name. Yet, they continue to call. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The firm, Luster Glaser and Wilson, PC Located at XXXX, MA.XXXX receive repeated phone calls from this agency, ( Up to XXXX times in one day ) concerning a XXXX XXXX. I have told them, that no one lives here by that name. Yet, they continue to call. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They have called from several different numbers demanding to verify my SSN. They call continuously even on the weekends. This debt is also over ten years old. They bought this from someone else and demand that I pay them today. \n","text":"Company chooses not to provide a public response","context":": They have called from several different numbers demanding to verify my SSN. They call continuously even on the weekends. This debt is also over ten years old. They bought this from someone else and demand that I pay them today. \n : Company chooses not to provide a public response"},{"Question":"Convergent calls and sends letters stating that I owe money on a phone bill when the phone company says I do not. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Convergent calls and sends letters stating that I owe money on a phone bill when the phone company says I do not. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"upon request of docs, i was told i was speaking to an attorneythey also have reported the same information in duplicate as to affect my scores \n","text":"Company disputes the facts presented in the complaint","context":": upon request of docs, i was told i was speaking to an attorneythey also have reported the same information in duplicate as to affect my scores \n : Company disputes the facts presented in the complaint"},{"Question":"im a former XXXX student in XXXX MA. i took out a loan i was promised job placement and never received it. now im stuck with a loan that i can not pay back. please help. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": im a former XXXX student in XXXX MA. i took out a loan i was promised job placement and never received it. now im stuck with a loan that i can not pay back. please help. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I 'm filing a complaint because the {$75.00} annual fee I paid for with my credit card includes a XXXX night free bonus when using the card. After collecting the annual fee, US Bank has decided to remove the benefit that I had already paid for. \n","text":"Company chooses not to provide a public response","context":": I 'm filing a complaint because the {$75.00} annual fee I paid for with my credit card includes a XXXX night free bonus when using the card. After collecting the annual fee, US Bank has decided to remove the benefit that I had already paid for. \n : Company chooses not to provide a public response"},{"Question":"Summitt receivables calling daily to \" settle a debt '' but will not disclose who debt is for, nor will not stop calling after repeated written requests. Summit is a collector for payday loans, I have never taken XXXX. Summit refuses to verify the debt. \n","text":"Company chooses not to provide a public response","context":": Summitt receivables calling daily to \" settle a debt '' but will not disclose who debt is for, nor will not stop calling after repeated written requests. Summit is a collector for payday loans, I have never taken XXXX. Summit refuses to verify the debt. \n : Company chooses not to provide a public response"},{"Question":"I paid this charge in a XXXX store when closing my line. They claim they never got the payment and now added this debt to my credit report \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I paid this charge in a XXXX store when closing my line. They claim they never got the payment and now added this debt to my credit report \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Citicards XXXX is listing a credit account on my XXXX credit report that is not my account and is a fraud account \n","text":"Company chooses not to provide a public response","context":": Citicards XXXX is listing a credit account on my XXXX credit report that is not my account and is a fraud account \n : Company chooses not to provide a public response"},{"Question":"I REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE STELLAR RECOVERY COLLECTION ACCOUNT I SENT A NOTICE OF DISPUTE DIRECTLY TO COMPANY I HAVE NOT HAD ANY RESPONSES \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE STELLAR RECOVERY COLLECTION ACCOUNT I SENT A NOTICE OF DISPUTE DIRECTLY TO COMPANY I HAVE NOT HAD ANY RESPONSES \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Interstate Collections continues to call me for a debt from a person who does not live here. They have been told multiple times to stop calling here, but they continue to harass us. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Interstate Collections continues to call me for a debt from a person who does not live here. They have been told multiple times to stop calling here, but they continue to harass us. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"it my belief, base discrimintion ( treatment ) \n","text":"Company chooses not to provide a public response","context":": it my belief, base discrimintion ( treatment ) \n : Company chooses not to provide a public response"},{"Question":"I never open an account with this company. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I never open an account with this company. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I paid the account in full. XXXX. I have a copy of the letter and the check that XXXX send to me for overpaying the bill. I have sent the letter to each credit bureau. They are disregarding the letter and check that was sent to me by XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I paid the account in full. XXXX. I have a copy of the letter and the check that XXXX send to me for overpaying the bill. I have sent the letter to each credit bureau. They are disregarding the letter and check that was sent to me by XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am getting frustrated with the lack of updates and transparency within the short sale process. \n","text":"Company chooses not to provide a public response","context":": I am getting frustrated with the lack of updates and transparency within the short sale process. \n : Company chooses not to provide a public response"},{"Question":"On XX\/XX\/2014 I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": On XX\/XX\/2014 I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"We continually receive recorded phone calls from XXXX XXXX XXXX XXXX at our home phone, about every other day. We do not want to return the call because it sounds like a scam. \n","text":"Company chooses not to provide a public response","context":": We continually receive recorded phone calls from XXXX XXXX XXXX XXXX at our home phone, about every other day. We do not want to return the call because it sounds like a scam. \n : Company chooses not to provide a public response"},{"Question":"Credit acceptance refuses to remove the inaccurate account from my credit that they are reporting. This account has been paid and resolved. The remarks reporting are erroneous and devastating to my credit worthiness. \n","text":"Company chooses not to provide a public response","context":": Credit acceptance refuses to remove the inaccurate account from my credit that they are reporting. This account has been paid and resolved. The remarks reporting are erroneous and devastating to my credit worthiness. \n : Company chooses not to provide a public response"},{"Question":"i have disputed this account XXXX time, and the answer for the credit bureau is the same this account do n't belong to me, there is not reason to be in my file. I told too many time with the credit bureau and the answer is there is nothing we can do. account # XXXX XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": i have disputed this account XXXX time, and the answer for the credit bureau is the same this account do n't belong to me, there is not reason to be in my file. I told too many time with the credit bureau and the answer is there is nothing we can do. account # XXXX XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"My Social Security payments are being garnished. The amounts reported by the collection agencies are different than the amounts on the credit report. \n","text":"Company disputes the facts presented in the complaint","context":": My Social Security payments are being garnished. The amounts reported by the collection agencies are different than the amounts on the credit report. \n : Company disputes the facts presented in the complaint"},{"Question":"XXXX in my book is a thief & scammer, th eworst Customer Service when custmers really are at there Mercy! \n\nI refuse to pay any more money to them. \n\nXXXX XXXX XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX in my book is a thief & scammer, th eworst Customer Service when custmers really are at there Mercy! \n\nI refuse to pay any more money to them. \n\nXXXX XXXX XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received notification that my loan was being transferred via a letter dated XXXX. The transfer is effective XXXX\/XXXX\/2015. Also, the loan company continuously pointed the blame to XXXX XXXX. How is this legal? \n","text":"Company chooses not to provide a public response","context":": I received notification that my loan was being transferred via a letter dated XXXX. The transfer is effective XXXX\/XXXX\/2015. Also, the loan company continuously pointed the blame to XXXX XXXX. How is this legal? \n : Company chooses not to provide a public response"},{"Question":"Experian is reporting a XXXX account that has been taken out through identity theft \n","text":"Company chooses not to provide a public response","context":": Experian is reporting a XXXX account that has been taken out through identity theft \n : Company chooses not to provide a public response"},{"Question":"Apartment I lease was ended due to bed bugs \n","text":"Company chooses not to provide a public response","context":": Apartment I lease was ended due to bed bugs \n : Company chooses not to provide a public response"},{"Question":"I want the creditor Bryant & Bryant to stop contacting me. They are threatening me on the phone and very rude. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I want the creditor Bryant & Bryant to stop contacting me. They are threatening me on the phone and very rude. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I never recieved a bill from this this collection agency or notice \n","text":"Company chooses not to provide a public response","context":": I never recieved a bill from this this collection agency or notice \n : Company chooses not to provide a public response"},{"Question":"I have medicare so there is no reason an emergency visit to the doctor should be on my credit. Please help me take this off. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have medicare so there is no reason an emergency visit to the doctor should be on my credit. Please help me take this off. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I 've already spoken to them once on my cell phone, now they are calling repeatedly on my work phone which is a privately owned business. If they keep calling, I will be fired! I 've told him not to call anymore! \n","text":"Company chooses not to provide a public response","context":": I 've already spoken to them once on my cell phone, now they are calling repeatedly on my work phone which is a privately owned business. If they keep calling, I will be fired! I 've told him not to call anymore! \n : Company chooses not to provide a public response"},{"Question":"I 've already spoken to them XXXX on my cell phone, now they are calling repeatedly on my work phone which is a privately owned business. If they keep calling, I will be fired! I 've told him not to call anymore! \n","text":"Company chooses not to provide a public response","context":": I 've already spoken to them XXXX on my cell phone, now they are calling repeatedly on my work phone which is a privately owned business. If they keep calling, I will be fired! I 've told him not to call anymore! \n : Company chooses not to provide a public response"},{"Question":"hello, i made a mistake. Instead asking money with paypal i sent it. \nHe does n't want give money back. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": hello, i made a mistake. Instead asking money with paypal i sent it. \nHe does n't want give money back. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX account # XXXX This is inaccurate account information. I had a low limit credit card with them {$300.00}. I never borrowed {$950.00} on that card, and it shows a balance owing {$1200.00}. I never owed that much on the card. This is inaccurate all around! \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX account # XXXX This is inaccurate account information. I had a low limit credit card with them {$300.00}. I never borrowed {$950.00} on that card, and it shows a balance owing {$1200.00}. I never owed that much on the card. This is inaccurate all around! \n : Company chooses not to provide a public response"},{"Question":"I have a debt in collections with IQ data international from XXXX from years ago and want to resolve this debt. I asked for a letter stating how much I owed and where to send money. They said they do not send letters because my account is in collections. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have a debt in collections with IQ data international from XXXX from years ago and want to resolve this debt. I asked for a letter stating how much I owed and where to send money. They said they do not send letters because my account is in collections. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received a bill from : Receiveables Performance Management, LLC, XXXX XXXX, phone : XXXX, for {$490.00}, for DISH NETWORK. I called their office XXXX times to dispute this bill. I was put on hold all XXXX times. I was never able to speak with anyone. \n","text":"Company chooses not to provide a public response","context":": I received a bill from : Receiveables Performance Management, LLC, XXXX XXXX, phone : XXXX, for {$490.00}, for DISH NETWORK. I called their office XXXX times to dispute this bill. I was put on hold all XXXX times. I was never able to speak with anyone. \n : Company chooses not to provide a public response"},{"Question":"Credit Center Inc has threatened me with legal action if a debt, that has been proven unverified by the bureaus, is not paid. It states I have 14 days to make payment or reach an agreement or the account will be forwarded to an attorney for legal action \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Credit Center Inc has threatened me with legal action if a debt, that has been proven unverified by the bureaus, is not paid. It states I have 14 days to make payment or reach an agreement or the account will be forwarded to an attorney for legal action \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Dear Sir or Madam, I have contacted this company Franklin Collection Services and ask this company to removed there negative report from my credit report however they stated that there was nothing they could do to help me. this is not a debt I own to this company. \n","text":"Company chooses not to provide a public response","context":": Dear Sir or Madam, I have contacted this company Franklin Collection Services and ask this company to removed there negative report from my credit report however they stated that there was nothing they could do to help me. this is not a debt I own to this company. \n : Company chooses not to provide a public response"},{"Question":"XXXX\/ACCT XXXX used an expired Bank of America debit card to charge a fee. Bank of America allowed the debit which overdrew my account. They refuse to refund the {$35.00} 00 fee. I am trying to close my account which is why the debit card is expired. \n","text":"Company chooses not to provide a public response","context":": XXXX\/ACCT XXXX used an expired Bank of America debit card to charge a fee. Bank of America allowed the debit which overdrew my account. They refuse to refund the {$35.00} 00 fee. I am trying to close my account which is why the debit card is expired. \n : Company chooses not to provide a public response"},{"Question":"I am receiving letters from credit collection services for XXXX bill that I do not owe, I have never had any accounts with XXXX, \n","text":"Company disputes the facts presented in the complaint","context":": I am receiving letters from credit collection services for XXXX bill that I do not owe, I have never had any accounts with XXXX, \n : Company disputes the facts presented in the complaint"},{"Question":"The reward from my Bank of America XXXX XXXX XXXX in the form of miles ( XXXX for every dollar spent ) are not reaching my XXXX account. Innumerable calls to XXXX customer service department has been useless in solving this issue. \n","text":"Company chooses not to provide a public response","context":": The reward from my Bank of America XXXX XXXX XXXX in the form of miles ( XXXX for every dollar spent ) are not reaching my XXXX account. Innumerable calls to XXXX customer service department has been useless in solving this issue. \n : Company chooses not to provide a public response"},{"Question":"unable to pay my loan to One Main Financial, ive told them verbally to do not call me and sent them certified letter stating that also, they continue to keep calling my work and im at risk of loosing my job, \n","text":"Company chooses not to provide a public response","context":": unable to pay my loan to One Main Financial, ive told them verbally to do not call me and sent them certified letter stating that also, they continue to keep calling my work and im at risk of loosing my job, \n : Company chooses not to provide a public response"},{"Question":"Made XXXX monthly payments, and was then unable to make payments due to change of work. Bank calls multiple times a day on \" Robocall '' and then a person answers. \n","text":"Company chooses not to provide a public response","context":": Made XXXX monthly payments, and was then unable to make payments due to change of work. Bank calls multiple times a day on \" Robocall '' and then a person answers. \n : Company chooses not to provide a public response"},{"Question":"I have been making payments to XXXX ( XXXX ) to : XXXX- XXXX accounts- XXXX should be XXXX\\These accounts are showing XXXX days late \n","text":"Company chooses not to provide a public response","context":": I have been making payments to XXXX ( XXXX ) to : XXXX- XXXX accounts- XXXX should be XXXX\\These accounts are showing XXXX days late \n : Company chooses not to provide a public response"},{"Question":"Lady calls XXXX or XXXX per week for the past months asking me to pay something I do n't owe. I have told her around XXXX times to stop calling but she keeps calling. She has shouted, told me I am going to get in trouble and all sorts of threats. Terrible, terrible! \n","text":"Company disputes the facts presented in the complaint","context":": Lady calls XXXX or XXXX per week for the past months asking me to pay something I do n't owe. I have told her around XXXX times to stop calling but she keeps calling. She has shouted, told me I am going to get in trouble and all sorts of threats. Terrible, terrible! \n : Company disputes the facts presented in the complaint"},{"Question":"They use a robo phone to contact me and threaten mme with a XXXX year old debt that 's not even mine. \n\nThey harass me all day and will not provide any documentation as to what the debt is XXXX on a Visa card??? That 's what they say I owe. That 's fraudulent \n","text":"Company chooses not to provide a public response","context":": They use a robo phone to contact me and threaten mme with a XXXX year old debt that 's not even mine. \n\nThey harass me all day and will not provide any documentation as to what the debt is XXXX on a Visa card??? That 's what they say I owe. That 's fraudulent \n : Company chooses not to provide a public response"},{"Question":"our son ( XXXX. ) old incurred the debt and the collections company is attempting to collect from us his parents who had nothing to do whatsoever with said debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": our son ( XXXX. ) old incurred the debt and the collections company is attempting to collect from us his parents who had nothing to do whatsoever with said debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I opened a account with Union bank and they put a hold on all my funds and refuse to release them or give me any information on whats going on \n","text":"Company chooses not to provide a public response","context":": I opened a account with Union bank and they put a hold on all my funds and refuse to release them or give me any information on whats going on \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Enhanced Recovery Debt collector re-aged a debt that had been placed over 8 years ago and lists it as new. XXXX rejected the complaint. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Enhanced Recovery Debt collector re-aged a debt that had been placed over 8 years ago and lists it as new. XXXX rejected the complaint. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have received XXXX phone messages from this number, ATG credit, XXXX, threatening me with taking action against me for a debt that I do not owe. I think this is a scam and I am reporting it. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I have received XXXX phone messages from this number, ATG credit, XXXX, threatening me with taking action against me for a debt that I do not owe. I think this is a scam and I am reporting it. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Information withheld from me. Unauthorized access to my account. They wo n't tell me who and why it was done. My account I need to know \n","text":"Company chooses not to provide a public response","context":": Information withheld from me. Unauthorized access to my account. They wo n't tell me who and why it was done. My account I need to know \n : Company chooses not to provide a public response"},{"Question":"incorrect information submitted on my personal credit report, supplied proof to credit bureau experian who continues to refuse to update or delete the incorrect information. \n","text":"Company chooses not to provide a public response","context":": incorrect information submitted on my personal credit report, supplied proof to credit bureau experian who continues to refuse to update or delete the incorrect information. \n : Company chooses not to provide a public response"},{"Question":"XXXX refuses to communicate with Bison Recovery Group concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX refuses to communicate with Bison Recovery Group concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Says medical services were rendered in XX\/XX\/XXXX, however they were rendered in XX\/XX\/XXXX. This debt is over 7 years old. I was in military XXXX at the time they claim service was rendered. They have XXXX reported as {$82.00} and also {$180.00} \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Says medical services were rendered in XX\/XX\/XXXX, however they were rendered in XX\/XX\/XXXX. This debt is over 7 years old. I was in military XXXX at the time they claim service was rendered. They have XXXX reported as {$82.00} and also {$180.00} \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"FIA Card Services contacted me on behalf of Bank of America XXXX. This is related to another complaint with Bank of America for an unexplained XXXX charge on my card. ( XXXX\/XXXX\/2015 ) \n","text":"Company chooses not to provide a public response","context":": FIA Card Services contacted me on behalf of Bank of America XXXX. This is related to another complaint with Bank of America for an unexplained XXXX charge on my card. ( XXXX\/XXXX\/2015 ) \n : Company chooses not to provide a public response"},{"Question":"XXXX ring credit card offered as 0 % transaction fees .... False. Charges 1 % but only states after you apply. .... Fraud. \n","text":"Company chooses not to provide a public response","context":": XXXX ring credit card offered as 0 % transaction fees .... False. Charges 1 % but only states after you apply. .... Fraud. \n : Company chooses not to provide a public response"},{"Question":"I applied for the XXXX visa credit card and got declinedfor a collection that is supposed to be removed and that 's not fair \n","text":"Company chooses not to provide a public response","context":": I applied for the XXXX visa credit card and got declinedfor a collection that is supposed to be removed and that 's not fair \n : Company chooses not to provide a public response"},{"Question":"I owed money to XXXX XXXX XXXX and paid it in XXXX 2015. Now I am getting letters from AARGON Collection Agency, XXXX months after I paid, that I owe this debt collector. I have the cancelled check showing payment. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I owed money to XXXX XXXX XXXX and paid it in XXXX 2015. Now I am getting letters from AARGON Collection Agency, XXXX months after I paid, that I owe this debt collector. I have the cancelled check showing payment. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XXXX. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XXXX. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything. \n : Company chooses not to provide a public response"},{"Question":"prepaid rebate card expired and Citi refuses to reissue card for the balance of the money on the card. \n","text":"Company chooses not to provide a public response","context":": prepaid rebate card expired and Citi refuses to reissue card for the balance of the money on the card. \n : Company chooses not to provide a public response"},{"Question":"Debt was paid & account closed via XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt was paid & account closed via XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"TCFbank lied about renewal rates on a 15 month cd also their early termination fee on a cd is extremely unfair example on a 1-5 year cd XXXX months interest is average that would amount to {$30.00} their fee is over XXXX!!!!!!! \n\nattn XXXX XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": TCFbank lied about renewal rates on a 15 month cd also their early termination fee on a cd is extremely unfair example on a 1-5 year cd XXXX months interest is average that would amount to {$30.00} their fee is over XXXX!!!!!!! \n\nattn XXXX XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"please see attached, the complex had my info that I lost my XXXX job and need to moved because of the hardship \n","text":"Company chooses not to provide a public response","context":": please see attached, the complex had my info that I lost my XXXX job and need to moved because of the hardship \n : Company chooses not to provide a public response"},{"Question":"California Budget Finance. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. XXXX. Charged my XXXX XXXX Bank Account for {$300.00} without my consent in violation of the Fair Debt Collection Practices Act. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": California Budget Finance. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. XXXX. Charged my XXXX XXXX Bank Account for {$300.00} without my consent in violation of the Fair Debt Collection Practices Act. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I pulled my credit report and discovered that this company has reported that I owe them a debt but I never received a letter from them prior to them placing it on my credit report. My rights under the XXXX section XXXX ( a ) were violated. \n","text":"Company disputes the facts presented in the complaint","context":": I pulled my credit report and discovered that this company has reported that I owe them a debt but I never received a letter from them prior to them placing it on my credit report. My rights under the XXXX section XXXX ( a ) were violated. \n : Company disputes the facts presented in the complaint"},{"Question":"XXXX XXXX XXXX account number XXXX.This account is listed on my report as last payment made XX\/XX\/XXXX, that 's incorrect my last payment was XX\/XX\/XXXX.XXXX fail to validate this account and my name is incorrect. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX account number XXXX.This account is listed on my report as last payment made XX\/XX\/XXXX, that 's incorrect my last payment was XX\/XX\/XXXX.XXXX fail to validate this account and my name is incorrect. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX, has Fail to validate at my request on XXXX\/XXXX\/2015. The amount XXXX XXXX is reporting is incorrect {$1000.00} is totally ridicules, I have never owed that amount.. \ni sent this complain to XXXX and XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX, has Fail to validate at my request on XXXX\/XXXX\/2015. The amount XXXX XXXX is reporting is incorrect {$1000.00} is totally ridicules, I have never owed that amount.. \ni sent this complain to XXXX and XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"I I received a letter from the court house that the judgement has been removed, and i would like experian to remove the judgement from my credit report. \n","text":"Company chooses not to provide a public response","context":": I I received a letter from the court house that the judgement has been removed, and i would like experian to remove the judgement from my credit report. \n : Company chooses not to provide a public response"},{"Question":"there are multiple inquiries about XXXX on my credit report that are from years ago that I am telling them that I did not do and they refuse to remove them and this is drastically hurting my credit report \n","text":"Company chooses not to provide a public response","context":": there are multiple inquiries about XXXX on my credit report that are from years ago that I am telling them that I did not do and they refuse to remove them and this is drastically hurting my credit report \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX IS REPORTING FORECLOSURE AND JUDGEMENT ON MY EXPERIAN CREDIT REPORT SINCE XX\/XX\/2014. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": XXXX XXXX IS REPORTING FORECLOSURE AND JUDGEMENT ON MY EXPERIAN CREDIT REPORT SINCE XX\/XX\/2014. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I am filing this complaint on behalf of incorrect and improper information \n","text":"Company chooses not to provide a public response","context":": I am filing this complaint on behalf of incorrect and improper information \n : Company chooses not to provide a public response"},{"Question":"Debt was wrote off, Time barred Debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt was wrote off, Time barred Debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I do n't what come from \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I do n't what come from \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXXkeep receiving daily recorded messages from collection agency calling themselves allied. i do not have any outstanding debt or unpaid bills. \n","text":"Company can't verify or dispute the facts in the complaint","context":": XXXXkeep receiving daily recorded messages from collection agency calling themselves allied. i do not have any outstanding debt or unpaid bills. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I was a victim of identity theft and this account needs to be removed asap this account is fraudulent and continued attempts to collect is harrasment please help me in getting this resolved. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was a victim of identity theft and this account needs to be removed asap this account is fraudulent and continued attempts to collect is harrasment please help me in getting this resolved. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I arpled for an count with XXXX and was approved but they pull my cridit XXXXtimes when it just be XXXX time so now it 's on my cridit report XXXXtimes. \n","text":"Company chooses not to provide a public response","context":": I arpled for an count with XXXX and was approved but they pull my cridit XXXXtimes when it just be XXXX time so now it 's on my cridit report XXXXtimes. \n : Company chooses not to provide a public response"},{"Question":"I was told my loan would be be about XXXX month they took out XXXX this month they are taking XXXX out of bank I live on widows pension this is very hard on me \n","text":"Company disputes the facts presented in the complaint","context":": I was told my loan would be be about XXXX month they took out XXXX this month they are taking XXXX out of bank I live on widows pension this is very hard on me \n : Company disputes the facts presented in the complaint"},{"Question":"XXXX to XXXX repeated calls per day even after advising them to stop calling. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX to XXXX repeated calls per day even after advising them to stop calling. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I started looking in to buying a house last year, pulled my credit, found this Stellar Rec on there, called, payed them, and it did n't get removed from my credit report, it was pain in full XXXX. Please help me get it deleted. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I started looking in to buying a house last year, pulled my credit, found this Stellar Rec on there, called, payed them, and it did n't get removed from my credit report, it was pain in full XXXX. Please help me get it deleted. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"On XXXX\/XXXX\/2014 I wrote to Diversified Consultants requesting proof of the debt that they alledged I owed but never received a response to the information that I requested and they are constantly verifying this information to the credit bureaus. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": On XXXX\/XXXX\/2014 I wrote to Diversified Consultants requesting proof of the debt that they alledged I owed but never received a response to the information that I requested and they are constantly verifying this information to the credit bureaus. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX a Giant in the communications world feels the need to continue reporting negatively on my credit report I an Fully XXXX and have paid the creditor in full account XXXX continues to report negatively simply for sport \n","text":"Company chooses not to provide a public response","context":": XXXX a Giant in the communications world feels the need to continue reporting negatively on my credit report I an Fully XXXX and have paid the creditor in full account XXXX continues to report negatively simply for sport \n : Company chooses not to provide a public response"},{"Question":"i went to get an auto loan and when they ran my social security number it came back as deceased. i have all called all XXXX credit agencies and no one can seem to give me an answer \n","text":"Company chooses not to provide a public response","context":": i went to get an auto loan and when they ran my social security number it came back as deceased. i have all called all XXXX credit agencies and no one can seem to give me an answer \n : Company chooses not to provide a public response"},{"Question":"Changing account type without authorization My XXXX Account number : XXXX was charged a maintenance fee for several month. When I opened the account I was told there is no minimum balance requirement. I was charged this fee for the last five months. I would like these charges refunded. \n","text":"Company chooses not to provide a public response","context":": Changing account type without authorization My XXXX Account number : XXXX was charged a maintenance fee for several month. When I opened the account I was told there is no minimum balance requirement. I was charged this fee for the last five months. I would like these charges refunded. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX, was last reported on my credit file XXXX XXXX, 2015, On XXXX XXXX, 2015, it was deleted and reinserted on XXXX XXXX, 2015. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX, was last reported on my credit file XXXX XXXX, 2015, On XXXX XXXX, 2015, it was deleted and reinserted on XXXX XXXX, 2015. \n : Company chooses not to provide a public response"},{"Question":"I have sent XXXX debt validation letters to XXXX Corporation. They have failed to respond to my requests. I do not recognize this debt and I would like to see verification of my debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have sent XXXX debt validation letters to XXXX Corporation. They have failed to respond to my requests. I do not recognize this debt and I would like to see verification of my debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Fraudulent action to freeze account \n","text":"Company chooses not to provide a public response","context":": Fraudulent action to freeze account \n : Company chooses not to provide a public response"},{"Question":"I work all my life trying to do the best I can but still ca n't get ahead because credit problem \n","text":"Company chooses not to provide a public response","context":": I work all my life trying to do the best I can but still ca n't get ahead because credit problem \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX, has Fail to validate at my request on XXXX\/XXXX\/2015 there is no date of last payment, there was not a payment made on this account. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX, has Fail to validate at my request on XXXX\/XXXX\/2015 there is no date of last payment, there was not a payment made on this account. \n : Company chooses not to provide a public response"},{"Question":"I ATTEMPTED TO PAYOFF ACCOUNT. SEARS GAVE WRONG PAYOFF AMOUNT. I TIMELY PAID THE INCORRECTAMOUNT GIVEN MAKING THE ACCOUNT {$6.00} OVERDUE. IT WAS SEAR 'S FAULT NOT MINE. \n","text":"Company chooses not to provide a public response","context":": I ATTEMPTED TO PAYOFF ACCOUNT. SEARS GAVE WRONG PAYOFF AMOUNT. I TIMELY PAID THE INCORRECTAMOUNT GIVEN MAKING THE ACCOUNT {$6.00} OVERDUE. IT WAS SEAR 'S FAULT NOT MINE. \n : Company chooses not to provide a public response"},{"Question":"XXXX items for XXXX XXXX XXXX appear on my Credit Report.never had bank with this institution. I went to this Bank and they enter my information wich result i do not appear in their system at all.The bank told me tu dispute it with credit bureau due to the fact that is there error. \n","text":"Company chooses not to provide a public response","context":": XXXX items for XXXX XXXX XXXX appear on my Credit Report.never had bank with this institution. I went to this Bank and they enter my information wich result i do not appear in their system at all.The bank told me tu dispute it with credit bureau due to the fact that is there error. \n : Company chooses not to provide a public response"},{"Question":"Harris and Harris keeps calling my home phone number and leaving messages. We have no debts yet they continue to leave these messages. The messages do not state who they are trying to reach. \n","text":"Company chooses not to provide a public response","context":": Harris and Harris keeps calling my home phone number and leaving messages. We have no debts yet they continue to leave these messages. The messages do not state who they are trying to reach. \n : Company chooses not to provide a public response"},{"Question":"XXXX, has Fail to validate at my request on XX\/XX\/XXXX there is no date of last payment, the last payment made was XX\/XX\/XXXX \n","text":"Company chooses not to provide a public response","context":": XXXX, has Fail to validate at my request on XX\/XX\/XXXX there is no date of last payment, the last payment made was XX\/XX\/XXXX \n : Company chooses not to provide a public response"},{"Question":"I filed a request to have my credit report updated.and Experian refused to up date even after i summited my self releasing federal tax lien to them. i summited it XXXX. I XXXX XXXX and XXXX had no trouble up dating my report \n","text":"Company chooses not to provide a public response","context":": I filed a request to have my credit report updated.and Experian refused to up date even after i summited my self releasing federal tax lien to them. i summited it XXXX. I XXXX XXXX and XXXX had no trouble up dating my report \n : Company chooses not to provide a public response"},{"Question":"The bank charged a fee for me to check my balance on another bank 's ATM. This is ridiculous and I have never seen this fee for doing this before. \n","text":"Company chooses not to provide a public response","context":": The bank charged a fee for me to check my balance on another bank 's ATM. This is ridiculous and I have never seen this fee for doing this before. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I continue to receive \" or else '' threatening phone calls from this company. In the voicemails I receive, the man barks at me and demands that I call before XXXX because the issue has become time sensitive and action is pending. \n","text":"Company disputes the facts presented in the complaint","context":": I continue to receive \" or else '' threatening phone calls from this company. In the voicemails I receive, the man barks at me and demands that I call before XXXX because the issue has become time sensitive and action is pending. \n : Company disputes the facts presented in the complaint"},{"Question":"I have no ideal who this is and why are they causing harm to me. It says it is XXXX XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": I have no ideal who this is and why are they causing harm to me. It says it is XXXX XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I was in the process of being foreclosed on I paid ALL costs on reinstatement costs however, the following week after paying Bank is saying I still have a negative Escrow balance. The final figures are NOT accurate. \n","text":"Company chooses not to provide a public response","context":": I was in the process of being foreclosed on I paid ALL costs on reinstatement costs however, the following week after paying Bank is saying I still have a negative Escrow balance. The final figures are NOT accurate. \n : Company chooses not to provide a public response"},{"Question":"Dear Madam\/Sir : i will kindly appreciate very much to please to see the company respond on my submission number # XXXX. Please send me the respond of the company on line. Thank you. XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": Dear Madam\/Sir : i will kindly appreciate very much to please to see the company respond on my submission number # XXXX. Please send me the respond of the company on line. Thank you. XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"This account has been paid. I contacted the original creditor and verified a zero balance. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": This account has been paid. I contacted the original creditor and verified a zero balance. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"There was an unauthorized transaction on my account and my bank is stating that it is my responsibility. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": There was an unauthorized transaction on my account and my bank is stating that it is my responsibility. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Bank of America gave me an incorrect payoff amount. Then, after I missed payments, they are refusing to amend my credit report, even with the amount paid. Then, they sent me a refund notice stating that I was overbilled XXXX, so that amount showing on my credit report is incorrect. \n","text":"Company chooses not to provide a public response","context":": Bank of America gave me an incorrect payoff amount. Then, after I missed payments, they are refusing to amend my credit report, even with the amount paid. Then, they sent me a refund notice stating that I was overbilled XXXX, so that amount showing on my credit report is incorrect. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes complaint represents an opportunity for improvement to better serve consumers","context":": 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 : Company believes complaint represents an opportunity for improvement to better serve consumers"},{"Question":"Signed up for credit card deal promising a Bonus night award when you booked for XXXX nights in the XXXX XXXX program. No sooner had I received the card has the offer been pulled starting XXXX XXXX. This is blatant false advertising as nowhere did it state the program would be ending. \n","text":"Company chooses not to provide a public response","context":": Signed up for credit card deal promising a Bonus night award when you booked for XXXX nights in the XXXX XXXX program. No sooner had I received the card has the offer been pulled starting XXXX XXXX. This is blatant false advertising as nowhere did it state the program would be ending. \n : Company chooses not to provide a public response"},{"Question":"Certified Recovery is reporting to my credit that the last date of activity on this account was XXXX\/XXXX\/15 which is in error and is a violation of the CFPB. Please have this account deleted because of their error and violation of law. \n","text":"Company chooses not to provide a public response","context":": Certified Recovery is reporting to my credit that the last date of activity on this account was XXXX\/XXXX\/15 which is in error and is a violation of the CFPB. Please have this account deleted because of their error and violation of law. \n : Company chooses not to provide a public response"},{"Question":"I defaulted on a XXXX XXXX Credit Card. Last pay date was XXXX XXXX 2009. \n","text":"Company believes complaint is the result of an isolated error","context":": I defaulted on a XXXX XXXX Credit Card. Last pay date was XXXX XXXX 2009. \n : Company believes complaint is the result of an isolated error"},{"Question":"I have informed Trans Union many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect. \n","text":"Company chooses not to provide a public response","context":": I have informed Trans Union many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect. \n : Company chooses not to provide a public response"},{"Question":"the debt was paid to XXXX agency, but another agency is trying to collect it now. \n","text":"Company chooses not to provide a public response","context":": the debt was paid to XXXX agency, but another agency is trying to collect it now. \n : Company chooses not to provide a public response"},{"Question":"US Bank XXXX XXXX XXXX Visa -- Bait and Switch advertising to get people sign up for the credit card. I was promised a free night with every reward booking, but the month after I signed up for the card and paid the annual fee, they took the benefit away. \n","text":"Company chooses not to provide a public response","context":": US Bank XXXX XXXX XXXX Visa -- Bait and Switch advertising to get people sign up for the credit card. I was promised a free night with every reward booking, but the month after I signed up for the card and paid the annual fee, they took the benefit away. \n : Company chooses not to provide a public response"},{"Question":"I already paid in settlement my original creditor XXXX, Nevada XXXX. but my credit report in Experian shows account is still in collection as of XXXX 2015. \n","text":"Company chooses not to provide a public response","context":": I already paid in settlement my original creditor XXXX, Nevada XXXX. but my credit report in Experian shows account is still in collection as of XXXX 2015. \n : Company chooses not to provide a public response"},{"Question":"Repeated calls after being on the \" DO NOT CALL LIST ''. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Repeated calls after being on the \" DO NOT CALL LIST ''. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The collection agency has contacted my father regarding my debt. It appears they discussed more than just my location with my father. I never gave them authorization to communicate with my father. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The collection agency has contacted my father regarding my debt. It appears they discussed more than just my location with my father. I never gave them authorization to communicate with my father. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I had applied for a student loan in the past but did not receive the loan. They have it on my credit report as a hard inquiry which is preventing me from getting future loans for my last year of school. I am asking for that to be removed \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I had applied for a student loan in the past but did not receive the loan. They have it on my credit report as a hard inquiry which is preventing me from getting future loans for my last year of school. I am asking for that to be removed \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have never actually talked to anyone but they constantly call over and over! \n","text":"Company can't verify or dispute the facts in the complaint","context":": I have never actually talked to anyone but they constantly call over and over! \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Unable to refinance my high interest mortgage with SunTrust bank for years because SunTrust mortgage made a clerical error on XXXX data and have not made substantial effort to correct the error. Meanwhile I kept paying Sun Trust Bank the high interest mortgage rate. \n","text":"Company chooses not to provide a public response","context":": Unable to refinance my high interest mortgage with SunTrust bank for years because SunTrust mortgage made a clerical error on XXXX data and have not made substantial effort to correct the error. Meanwhile I kept paying Sun Trust Bank the high interest mortgage rate. \n : Company chooses not to provide a public response"},{"Question":"A settlement for a short sale with XXXX was made in XXXX\/XXXX\/2012. I received a form XXXX for the cancellation of debt ( Please see attached ). XXXX report my account as outstanding 2 months after settlement \n","text":"Company chooses not to provide a public response","context":": A settlement for a short sale with XXXX was made in XXXX\/XXXX\/2012. I received a form XXXX for the cancellation of debt ( Please see attached ). XXXX report my account as outstanding 2 months after settlement \n : Company chooses not to provide a public response"},{"Question":"BB & T BANK SUBMITTED A XXXX AND I DID NOT USE THE BANK ACCOUNT. I WANTED TO OPEN A BUSINESS ACCOUNT AND THEY WOULD NOT LET ME. THIS NEEDS TO BE REMOVED FROM MY HISTORY. \n","text":"Company chooses not to provide a public response","context":": BB & T BANK SUBMITTED A XXXX AND I DID NOT USE THE BANK ACCOUNT. I WANTED TO OPEN A BUSINESS ACCOUNT AND THEY WOULD NOT LET ME. THIS NEEDS TO BE REMOVED FROM MY HISTORY. \n : Company chooses not to provide a public response"},{"Question":"These a debt on my credit report stating I owe. I have no knowledge of this debt. It also says I made a payment on this in XXXX of 2012 which I did not. The name of the company is accelerated financial. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": These a debt on my credit report stating I owe. I have no knowledge of this debt. It also says I made a payment on this in XXXX of 2012 which I did not. The name of the company is accelerated financial. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This phone was retasked from XXXX XXXX XXXX After two years this company continues to call for the original owner - I have repeatedly told them that I am not the person and asked them to stop but they call all the time \n","text":"Company believes complaint represents an opportunity for improvement to better serve consumers","context":": This phone was retasked from XXXX XXXX XXXX After two years this company continues to call for the original owner - I have repeatedly told them that I am not the person and asked them to stop but they call all the time \n : Company believes complaint represents an opportunity for improvement to better serve consumers"},{"Question":"I deposited a check for {$50000.00} drawn on a XXXX bank into my Citibank HELOC on Thursday morning, XXXX XXXX. Today the local Citibank branch manager told me that the funds would not be available to draw until Saturday XXXX XXXX - XXXX from the day the money was deposited. \n","text":"Company chooses not to provide a public response","context":": I deposited a check for {$50000.00} drawn on a XXXX bank into my Citibank HELOC on Thursday morning, XXXX XXXX. Today the local Citibank branch manager told me that the funds would not be available to draw until Saturday XXXX XXXX - XXXX from the day the money was deposited. \n : Company chooses not to provide a public response"},{"Question":"Date of deliquency was XXXX XXXX, 2006, it has now been over 8 1\/2 years and I should not be held to pay this and should be taken off my credit as a debit. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Date of deliquency was XXXX XXXX, 2006, it has now been over 8 1\/2 years and I should not be held to pay this and should be taken off my credit as a debit. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I understand I 'm entitled to a free XXXX credit report when I am a victim of fraud, which I have been. However, there is no one to talk to at the XXXX credit bureaus and no way that I have seen online to order a XXXX free report. \n","text":"Company chooses not to provide a public response","context":": I understand I 'm entitled to a free XXXX credit report when I am a victim of fraud, which I have been. However, there is no one to talk to at the XXXX credit bureaus and no way that I have seen online to order a XXXX free report. \n : Company chooses not to provide a public response"},{"Question":"Bank of America sold my XXXX mtge, But did not reduce the original amount of the combined mtges, Now I 'm paying the XXXX mtge XXXX. \nContacted them and they have refuse to correct this error. \n","text":"Company chooses not to provide a public response","context":": Bank of America sold my XXXX mtge, But did not reduce the original amount of the combined mtges, Now I 'm paying the XXXX mtge XXXX. \nContacted them and they have refuse to correct this error. \n : Company chooses not to provide a public response"},{"Question":"I have made my loan payment as agreed without fail. It has never been late and I still make the payment on time. But the company is reporting that I am over 180 days past due. I 've tried speaking with them but they do not seem interested in fixing the problem. \n","text":"Company believes complaint is the result of an isolated error","context":": I have made my loan payment as agreed without fail. It has never been late and I still make the payment on time. But the company is reporting that I am over 180 days past due. I 've tried speaking with them but they do not seem interested in fixing the problem. \n : Company believes complaint is the result of an isolated error"},{"Question":"The amount on mu credit report does not match what is owed. I was told that it does n't matter if it 's accurate and to \" just pay my bills '' \n","text":"Company chooses not to provide a public response","context":": The amount on mu credit report does not match what is owed. I was told that it does n't matter if it 's accurate and to \" just pay my bills '' \n : Company chooses not to provide a public response"},{"Question":"Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in Arizona. XXXX credit management also notified me past the statute of limitations. \n","text":"Company chooses not to provide a public response","context":": Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in Arizona. XXXX credit management also notified me past the statute of limitations. \n : Company chooses not to provide a public response"},{"Question":"The credit reporting agencies are incorrectly reporting my current account status as 60-120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as \" Paid as Agreed ''. \n","text":"Company chooses not to provide a public response","context":": The credit reporting agencies are incorrectly reporting my current account status as 60-120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as \" Paid as Agreed ''. \n : Company chooses not to provide a public response"},{"Question":"Progressive Financial keeps calling & harassing me concerning debt that I do not owe. I believe that the debt is owed by a person with the XXXX as mine. \n","text":"Company chooses not to provide a public response","context":": Progressive Financial keeps calling & harassing me concerning debt that I do not owe. I believe that the debt is owed by a person with the XXXX as mine. \n : Company chooses not to provide a public response"},{"Question":"Experian credit reporting agency sent an unfavorable report on me to XXXX and when I call or go online to get a copy of the report they tell me they do n't have enough information to send me a copy yet they had enough information to send it to XXXX. same information, same person \n","text":"Company chooses not to provide a public response","context":": Experian credit reporting agency sent an unfavorable report on me to XXXX and when I call or go online to get a copy of the report they tell me they do n't have enough information to send me a copy yet they had enough information to send it to XXXX. same information, same person \n : Company chooses not to provide a public response"},{"Question":"XXXX banks XXXX XXXX XXXX, XXXX and XXXX should be deleted as XXXX accts were paid in full over 15 yrs and XXXX XXXX do n't belong to me \n","text":"Company chooses not to provide a public response","context":": XXXX banks XXXX XXXX XXXX, XXXX and XXXX should be deleted as XXXX accts were paid in full over 15 yrs and XXXX XXXX do n't belong to me \n : Company chooses not to provide a public response"},{"Question":"TCF BANK TOLD XXXX THAT LOAN NO XXXX WAS OK TO UNLAWFULLY RE-INSERT ACCOUNT WITHOUT XXXX DAY NOTICE TO CONSUMER IN VIOLATION OF F.C.R.A. THIS HAS TRANSPIRED XXXX TIMES OVER XXXX YEAR PERIOD. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": TCF BANK TOLD XXXX THAT LOAN NO XXXX WAS OK TO UNLAWFULLY RE-INSERT ACCOUNT WITHOUT XXXX DAY NOTICE TO CONSUMER IN VIOLATION OF F.C.R.A. THIS HAS TRANSPIRED XXXX TIMES OVER XXXX YEAR PERIOD. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Calls every day starting XXXX\/XXXX\/15, Sunday included. Leaves no message. When I XXXX the number, comments indicated Penn Credit. They have called:XX\/XX\/2015 XXXXXX\/XX\/2015 XXXXXX\/XX\/2015 XXXXXX\/XX\/2015 XXXXXX\/XX\/2015 XXXXI have no outstanding debts. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Calls every day starting XXXX\/XXXX\/15, Sunday included. Leaves no message. When I XXXX the number, comments indicated Penn Credit. They have called:XX\/XX\/2015 XXXXXX\/XX\/2015 XXXXXX\/XX\/2015 XXXXXX\/XX\/2015 XXXXXX\/XX\/2015 XXXXI have no outstanding debts. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Chexsystems provided false information on a credit report to XXXX bank who denied opening a bank account. The information concerning XXXX was part of a bankruptcy and not a charge off. \n","text":"Company chooses not to provide a public response","context":": Chexsystems provided false information on a credit report to XXXX bank who denied opening a bank account. The information concerning XXXX was part of a bankruptcy and not a charge off. \n : Company chooses not to provide a public response"},{"Question":"Call is for my XXXX year old mother who is in a XXXX home and is XXXX pending XXXX calls a night from XXXX XXXX '' XXXX.FMS Financial \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Call is for my XXXX year old mother who is in a XXXX home and is XXXX pending XXXX calls a night from XXXX XXXX '' XXXX.FMS Financial \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was wrongly charged for purchases I did not make. My credit card number was stolen and was used to make purchases in Utah. \n","text":"Company chooses not to provide a public response","context":": I was wrongly charged for purchases I did not make. My credit card number was stolen and was used to make purchases in Utah. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX foreclosed on our property XXXX XXXX, XXXX, the credit report shows the foreclosure occurred in XXXX. We have documentation to prove the date of the sheriff sale. We were told to vacate the property XXXX XXXX, XXXX. We are trying to clean up our credit rating. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX foreclosed on our property XXXX XXXX, XXXX, the credit report shows the foreclosure occurred in XXXX. We have documentation to prove the date of the sheriff sale. We were told to vacate the property XXXX XXXX, XXXX. We are trying to clean up our credit rating. \n : Company chooses not to provide a public response"},{"Question":"Who and what is this company? It needs to be removed from my credit report! This is only XXXX out of about XXXX that should not be there! \n","text":"Company chooses not to provide a public response","context":": Who and what is this company? It needs to be removed from my credit report! This is only XXXX out of about XXXX that should not be there! \n : Company chooses not to provide a public response"},{"Question":"Pre recorded msg states they are collecting adebt for a name I never heard of. Says if I am not this person hang up otherwise I am acknowledging I am this person. I have tried call block but switch their number. Caller ID says XXXX offices. Numbers start with XXXX. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Pre recorded msg states they are collecting adebt for a name I never heard of. Says if I am not this person hang up otherwise I am acknowledging I am this person. I have tried call block but switch their number. Caller ID says XXXX offices. Numbers start with XXXX. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"calling for a person that is n't at this number, says to call them at XXXX and use a reference number. i advised them XXXX on the phone and left info on their web site this person is not at this number. after telling person on the phone the robo calls started \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": calling for a person that is n't at this number, says to call them at XXXX and use a reference number. i advised them XXXX on the phone and left info on their web site this person is not at this number. after telling person on the phone the robo calls started \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Franklin Collection Service , INC . Stated that I owed XXXX XXXX for internet services ; however, I never used XXXX for internet services. They have since reported the charge against my credit score XXXX. I sent them a written dispute, but never received follow-up correspondance. \n","text":"Company chooses not to provide a public response","context":": Franklin Collection Service , INC . Stated that I owed XXXX XXXX for internet services ; however, I never used XXXX for internet services. They have since reported the charge against my credit score XXXX. I sent them a written dispute, but never received follow-up correspondance. \n : Company chooses not to provide a public response"},{"Question":"Experian has XXXX credit inquiries on my credit report. which is not correct. \n","text":"Company chooses not to provide a public response","context":": Experian has XXXX credit inquiries on my credit report. which is not correct. \n : Company chooses not to provide a public response"},{"Question":"I filed a chapter XXXX and a civil judgment is still being reported on my file \n","text":"Company chooses not to provide a public response","context":": I filed a chapter XXXX and a civil judgment is still being reported on my file \n : Company chooses not to provide a public response"},{"Question":"The debt collection agency calls me everyday about XXXX times a day. I would like them to stop and send me written correspondence. \nThe number to this agency is XXXX \n","text":"Company chooses not to provide a public response","context":": The debt collection agency calls me everyday about XXXX times a day. I would like them to stop and send me written correspondence. \nThe number to this agency is XXXX \n : Company chooses not to provide a public response"},{"Question":"my Citibank account was a victim of an unauthorized wire transfer for XXXX.citibank has refused to reimburse me. \n","text":"Company chooses not to provide a public response","context":": my Citibank account was a victim of an unauthorized wire transfer for XXXX.citibank has refused to reimburse me. \n : Company chooses not to provide a public response"},{"Question":"Acct Closed on XXXX\/XXXX\/09 with XXXX card. Still showing on my Transunion report. \n","text":"Company chooses not to provide a public response","context":": Acct Closed on XXXX\/XXXX\/09 with XXXX card. Still showing on my Transunion report. \n : Company chooses not to provide a public response"},{"Question":"customer service associate was horribly rude. \n","text":"Company chooses not to provide a public response","context":": customer service associate was horribly rude. \n : Company chooses not to provide a public response"},{"Question":"World Finance who I got a loan from showed up on my job to deliver a letter not XXXX but XXXX. How do I handle this \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": World Finance who I got a loan from showed up on my job to deliver a letter not XXXX but XXXX. How do I handle this \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Credit bureau Collection Associates XXXX XXXX reported misinformation on a bill. \nThe actual amount, that were paid, the actual amount of the bill, etc. \n","text":"Company chooses not to provide a public response","context":": Credit bureau Collection Associates XXXX XXXX reported misinformation on a bill. \nThe actual amount, that were paid, the actual amount of the bill, etc. \n : Company chooses not to provide a public response"},{"Question":"I continue to get phone calls from a company Allied Interstate , LLC. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I continue to get phone calls from a company Allied Interstate , LLC. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Closed Account with XXXX XXXX acct # XXXX on XXXX\/XXXX\/07 \n","text":"Company chooses not to provide a public response","context":": Closed Account with XXXX XXXX acct # XXXX on XXXX\/XXXX\/07 \n : Company chooses not to provide a public response"},{"Question":"This number keeps calling me but never leave any messages on who they are or what the call is about. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This number keeps calling me but never leave any messages on who they are or what the call is about. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Acct From Barclays Bank ending # XXXX Closed on XXXX\/XXXX\/14. \n","text":"Company chooses not to provide a public response","context":": Acct From Barclays Bank ending # XXXX Closed on XXXX\/XXXX\/14. \n : Company chooses not to provide a public response"},{"Question":"Activated citibank Debit Visa card on XX\/XX\/XXXX. Expired on XX\/XX\/XXXX. Citibank says that any monies on card at expiration are theirs for accounting fees per agreement at time of purchase. I saw no agreement at time of purchase. \n\nXXXX \n","text":"Company chooses not to provide a public response","context":": Activated citibank Debit Visa card on XX\/XX\/XXXX. Expired on XX\/XX\/XXXX. Citibank says that any monies on card at expiration are theirs for accounting fees per agreement at time of purchase. I saw no agreement at time of purchase. \n\nXXXX \n : Company chooses not to provide a public response"},{"Question":"Repeated calls from XXXX from XXXX, and XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Repeated calls from XXXX from XXXX, and XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Penn Credit Collection called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Penn Credit Collection called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I applied for a refinance loan with AmeriSave Mortgage. The appraisal came in to low which would have resulted in the need to close my HELOC. I cancelled the loan. AmeriSave has n't refunded the appraisal fee yet. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I applied for a refinance loan with AmeriSave Mortgage. The appraisal came in to low which would have resulted in the need to close my HELOC. I cancelled the loan. AmeriSave has n't refunded the appraisal fee yet. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"account belongs to son with same name different ssn and date of birth \n","text":"Company chooses not to provide a public response","context":": account belongs to son with same name different ssn and date of birth \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes the complaint is the result of a misunderstanding","context":": 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 : Company believes the complaint is the result of a misunderstanding"},{"Question":"Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of Minnesota and Ohio. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of Minnesota and Ohio. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of XXXX and XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of XXXX and XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"PUGET SOUND COLLECTXXXX XXXX, XXXX ( XXXX ) XXXXXXXXThis debt is apart of my bankruptcyXXXX XXXX COUNTY REFUSE XXXX \n","text":"Company chooses not to provide a public response","context":": PUGET SOUND COLLECTXXXX XXXX, XXXX ( XXXX ) XXXXXXXXThis debt is apart of my bankruptcyXXXX XXXX COUNTY REFUSE XXXX \n : Company chooses not to provide a public response"},{"Question":"I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost? \n","text":"Company chooses not to provide a public response","context":": I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost? \n : Company chooses not to provide a public response"},{"Question":"The bank would not provide assistance in a loan modification request. \n","text":"Company chooses not to provide a public response","context":": The bank would not provide assistance in a loan modification request. \n : Company chooses not to provide a public response"},{"Question":"The credit reporting agency will not allow me to file an additional complaint. \nThe creditor on my credit reports is reporting my car load status is repossession. It should state paid as agreed. \n","text":"Company chooses not to provide a public response","context":": The credit reporting agency will not allow me to file an additional complaint. \nThe creditor on my credit reports is reporting my car load status is repossession. It should state paid as agreed. \n : Company chooses not to provide a public response"},{"Question":"I borrowed loans from sallie Mae to attend school at XXXX XXXX University with out knowing that each seperate loan would be due for repayment at the same time. I thought it would be a consolidated loan that would be in XXXX manageable payment each month. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I borrowed loans from sallie Mae to attend school at XXXX XXXX University with out knowing that each seperate loan would be due for repayment at the same time. I thought it would be a consolidated loan that would be in XXXX manageable payment each month. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This was discharged in my Chapter XXXX Bankruptcy. Balance as of XX\/XX\/2012 from my Chapter XXXX bankruptcy was {$0.00}. Now this company is harassing me to pay what was discharged back in 2012. \n","text":"Company chooses not to provide a public response","context":": This was discharged in my Chapter XXXX Bankruptcy. Balance as of XX\/XX\/2012 from my Chapter XXXX bankruptcy was {$0.00}. Now this company is harassing me to pay what was discharged back in 2012. \n : Company chooses not to provide a public response"},{"Question":"I am applying for a home mortgage and all XXXX credit entities show an outstanding bill for XXXX ... \nI have never had an XXXX account. It does not belong to me and needs to be removed. \n","text":"Company chooses not to provide a public response","context":": I am applying for a home mortgage and all XXXX credit entities show an outstanding bill for XXXX ... \nI have never had an XXXX account. It does not belong to me and needs to be removed. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX In XXXX XXXX Georgia Ran An Expensive Series Of Test In The XXXX.Without My Consent.. I Verbally Refused Treatment In The ER Numerous Times. The ER Staff Assaulted Me, Drugged Me, Held Me Against My Will And Never Ever Gave Me A Right To Dispute Notice ... \n","text":"Company disputes the facts presented in the complaint","context":": XXXX XXXX XXXX In XXXX XXXX Georgia Ran An Expensive Series Of Test In The XXXX.Without My Consent.. I Verbally Refused Treatment In The ER Numerous Times. The ER Staff Assaulted Me, Drugged Me, Held Me Against My Will And Never Ever Gave Me A Right To Dispute Notice ... \n : Company disputes the facts presented in the complaint"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I never received notice of my right to dispute this debt. My consumer rights have been violated by the reporting of this debt to my credit reports. \n\nThis account should be removed from all credit reports immediately. \n","text":"Company chooses not to provide a public response","context":": I never received notice of my right to dispute this debt. My consumer rights have been violated by the reporting of this debt to my credit reports. \n\nThis account should be removed from all credit reports immediately. \n : Company chooses not to provide a public response"},{"Question":"Reciving calls from XXXX, a company stating they are collecting a debt on behalf of XXXX. A credit card I paid and closed XXXX years ago. XXXX is no longer in business and is not reported on my credit report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Reciving calls from XXXX, a company stating they are collecting a debt on behalf of XXXX. A credit card I paid and closed XXXX years ago. XXXX is no longer in business and is not reported on my credit report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Reciving calls from XXXX, a company stating they are collecting a debt on behalf of MBNA. A credit card I paid and closed 15 years ago. MBNA is no longer in business and is not reported on my credit report. \n","text":"Company chooses not to provide a public response","context":": Reciving calls from XXXX, a company stating they are collecting a debt on behalf of MBNA. A credit card I paid and closed 15 years ago. MBNA is no longer in business and is not reported on my credit report. \n : Company chooses not to provide a public response"},{"Question":"I am not responsible for this account as it was fraudulently opened in my name by my roommate without my knowledge. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I am not responsible for this account as it was fraudulently opened in my name by my roommate without my knowledge. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Car was a lemon and was returned \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Car was a lemon and was returned \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There are XXXX accounts on my credit report that are not correct ... XXXX Bank master card ... never had XXXX ... .XXXX ... charged for an item not received ... XXXX..acct. paid off over six years ago and equipment turned in ... do not owe any balance \n","text":"Company chooses not to provide a public response","context":": There are XXXX accounts on my credit report that are not correct ... XXXX Bank master card ... never had XXXX ... .XXXX ... charged for an item not received ... XXXX..acct. paid off over six years ago and equipment turned in ... do not owe any balance \n : Company chooses not to provide a public response"},{"Question":"I have asked this company multiple times for a copy of the contract that they said i signed. I have offered to send a copy of my drivers license to show i didnt sign for or authorize services with XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I have asked this company multiple times for a copy of the contract that they said i signed. I have offered to send a copy of my drivers license to show i didnt sign for or authorize services with XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"i paid XXXX in fullDelete the XXXX credit record ( # XXXX, opened XXXX ). \n\nXXXX XXXX XXXX Installment XXXX CREDITOR : XXXX CREDITOR : XXXX XXXX REPORTED DELINQUENCIES : XXXX PAIDPAID COLLECTIONCOLLECTION ACCOUNTCollectionAttorneyClosedunt \n","text":"Company chooses not to provide a public response","context":": i paid XXXX in fullDelete the XXXX credit record ( # XXXX, opened XXXX ). \n\nXXXX XXXX XXXX Installment XXXX CREDITOR : XXXX CREDITOR : XXXX XXXX REPORTED DELINQUENCIES : XXXX PAIDPAID COLLECTIONCOLLECTION ACCOUNTCollectionAttorneyClosedunt \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX has placed XXXX credit inquires on my Experian credit report in XXXX, XXXX, and XXXX 2014. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX has placed XXXX credit inquires on my Experian credit report in XXXX, XXXX, and XXXX 2014. \n : Company chooses not to provide a public response"},{"Question":"The company has failed to properly update my credit report to state that this account is included in a bankruptcy filed in 2012. They continue to report inaccurate information, \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The company has failed to properly update my credit report to state that this account is included in a bankruptcy filed in 2012. They continue to report inaccurate information, \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have a Dillard 's American Express card. I want to import the transactions into my XXXX software, but I can not. I can not get through to the customer service to get them to establish the online code\/link to be able to get the ledger of the transactions. \n","text":"Company chooses not to provide a public response","context":": I have a Dillard 's American Express card. I want to import the transactions into my XXXX software, but I can not. I can not get through to the customer service to get them to establish the online code\/link to be able to get the ledger of the transactions. \n : Company chooses not to provide a public response"},{"Question":"I am a victim of identity theft. I am XXXX and my mother used my social security number to get home loans, new cars, credit cards, business loans and WHATEVER she could get. She stole my identity to pay her bills and HAVE nice cars CLOTHING home ECT. \n","text":"Company chooses not to provide a public response","context":": I am a victim of identity theft. I am XXXX and my mother used my social security number to get home loans, new cars, credit cards, business loans and WHATEVER she could get. She stole my identity to pay her bills and HAVE nice cars CLOTHING home ECT. \n : Company chooses not to provide a public response"},{"Question":"Citibank charged an overdraft fee of {$35.00} on XX\/XX\/2015. The account was not overdrawn. See attachment \n","text":"Company chooses not to provide a public response","context":": Citibank charged an overdraft fee of {$35.00} on XX\/XX\/2015. The account was not overdrawn. See attachment \n : Company chooses not to provide a public response"},{"Question":"I did not have XXXX and they have put this collection ion my report regarding a collection from them. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I did not have XXXX and they have put this collection ion my report regarding a collection from them. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have repeatedly requested the mortgage be released on a mortgage with Nationstar Mortgage that was paid off XXXX XXXX, 2015. Repeated requests have also been made by the title company and the owners ( XXXX and XXXX XXXX ) of the property. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have repeatedly requested the mortgage be released on a mortgage with Nationstar Mortgage that was paid off XXXX XXXX, 2015. Repeated requests have also been made by the title company and the owners ( XXXX and XXXX XXXX ) of the property. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Never had services with XXXX. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Never had services with XXXX. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"They have repeatedly called me and my family and they are rude and we 've asked not to call our jobs ... I have the number blocked off my phones but now they are calling my family members fishing for information and speaking rudely to them! \n","text":"Company disputes the facts presented in the complaint","context":": They have repeatedly called me and my family and they are rude and we 've asked not to call our jobs ... I have the number blocked off my phones but now they are calling my family members fishing for information and speaking rudely to them! \n : Company disputes the facts presented in the complaint"},{"Question":"This bill was disputed years ago.. All XXXX credit bureau removed this bill from my credit report. Because i do not owe this bill. Now i am getting threating letters again.. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This bill was disputed years ago.. All XXXX credit bureau removed this bill from my credit report. Because i do not owe this bill. Now i am getting threating letters again.. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Failed to notify of debt, paid debt and will not remove debt from credit report \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Failed to notify of debt, paid debt and will not remove debt from credit report \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out of the country for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report \n","text":"Company chooses not to provide a public response","context":": I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out of the country for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report \n : Company chooses not to provide a public response"},{"Question":"My XXXX was recorded wrong. \n","text":"Company chooses not to provide a public response","context":": My XXXX was recorded wrong. \n : Company chooses not to provide a public response"},{"Question":"an amount on my credit report which is not in my name nor have I had a history with this company \n","text":"Company chooses not to provide a public response","context":": an amount on my credit report which is not in my name nor have I had a history with this company \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I get daily robo-calls from National Enterprise Systems at XXXX asking for someone who does not live here. This has been going on for at least XXXX months. I have blocked the call, but they still keep calling. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I get daily robo-calls from National Enterprise Systems at XXXX asking for someone who does not live here. This has been going on for at least XXXX months. I have blocked the call, but they still keep calling. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Repeated calls from \" Fresh View Solutions '' about unspecified debt of an unspecified debtor over the course of several months. \n","text":"Company chooses not to provide a public response","context":": Repeated calls from \" Fresh View Solutions '' about unspecified debt of an unspecified debtor over the course of several months. \n : Company chooses not to provide a public response"},{"Question":"it was something I never opened \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": it was something I never opened \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This company has contacted me when I told them not to contact me during my work hours which are XXXX XXXX to XXXX XXXX. I received a call at XXXX XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This company has contacted me when I told them not to contact me during my work hours which are XXXX XXXX to XXXX XXXX. I received a call at XXXX XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I can not get a mortgage rate quote from a mortgage originator without a credit report. Each credit report counts against my credit rating. This makes it practically impossible to shop around for rates and products. \n","text":"Company chooses not to provide a public response","context":": I can not get a mortgage rate quote from a mortgage originator without a credit report. Each credit report counts against my credit rating. This makes it practically impossible to shop around for rates and products. \n : Company chooses not to provide a public response"},{"Question":"Last XXXX, Paypal placed a limitation on my account and blocked me from access for my balance. I was told that Paypal may hold my balance for up to 180 days. 180 days have come and passed, Paypal still blocked my access to my balance. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Last XXXX, Paypal placed a limitation on my account and blocked me from access for my balance. I was told that Paypal may hold my balance for up to 180 days. 180 days have come and passed, Paypal still blocked my access to my balance. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Last XXXX, Paypal placed a limitation on my account and blocked me from accessing my balance citing that they have up to XXXX days to do so. XXXX days have passed but they still blocked my access to my money. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Last XXXX, Paypal placed a limitation on my account and blocked me from accessing my balance citing that they have up to XXXX days to do so. XXXX days have passed but they still blocked my access to my money. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"USAA Closed account fraud activity on credit card XXXX + said they did n't want to do business any more card was used for withdraw transactions deposits were made a By a XXXX XXXX from a phone number XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": USAA Closed account fraud activity on credit card XXXX + said they did n't want to do business any more card was used for withdraw transactions deposits were made a By a XXXX XXXX from a phone number XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Last XXXX, Paypal placed a limitation on my account and blocked my access to my balance. They said that they can hold my balance up to 180 days. Now 180 days have passed, they still hold my money and refuse to return to me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Last XXXX, Paypal placed a limitation on my account and blocked my access to my balance. They said that they can hold my balance up to 180 days. Now 180 days have passed, they still hold my money and refuse to return to me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Incorrect name on credit report: \n","text":"Company chooses not to provide a public response","context":": Incorrect name on credit report: \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX of XXXX contacted a family member and gave out my personal information, that has caused hardship with my family. Is this a violation of privacy and is there any recourse? \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": XXXX XXXX of XXXX contacted a family member and gave out my personal information, that has caused hardship with my family. Is this a violation of privacy and is there any recourse? \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Paid the debt by Money order \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Paid the debt by Money order \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX XXXX XXXX 's mastercard XXXX was charged {$23.00} twice. it should only have bee charged once. boa refuses to correct problem. \n\ni set up billing dispute XXXX for {$23.00} \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX 's mastercard XXXX was charged {$23.00} twice. it should only have bee charged once. boa refuses to correct problem. \n\ni set up billing dispute XXXX for {$23.00} \n : Company chooses not to provide a public response"},{"Question":"unable to get a credit score have all positive items on my credit report. my score should be high. there is no score \n","text":"Company chooses not to provide a public response","context":": unable to get a credit score have all positive items on my credit report. my score should be high. there is no score \n : Company chooses not to provide a public response"},{"Question":"XXXX Mortgage is reporting that our forclosure happend in XX\/XX\/XXXX, when in fact it took place in XX\/XX\/XXXX. It was then resold in XX\/XX\/XXXX but they are reporting false information. There are public document on the property at XXXX XXXX XXXX XXXX XXXX XXXX, AZ. \n","text":"Company chooses not to provide a public response","context":": XXXX Mortgage is reporting that our forclosure happend in XX\/XX\/XXXX, when in fact it took place in XX\/XX\/XXXX. It was then resold in XX\/XX\/XXXX but they are reporting false information. There are public document on the property at XXXX XXXX XXXX XXXX XXXX XXXX, AZ. \n : Company chooses not to provide a public response"},{"Question":"XXXX- representing an affidavit from XXXX XXXX XXXX Said that I since I refuse to pay they will send to my XXXX for an arrest warrant. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": XXXX- representing an affidavit from XXXX XXXX XXXX Said that I since I refuse to pay they will send to my XXXX for an arrest warrant. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Received threatening letters so i called to clear up the confusion and its just a gimmick to have you call and be sold XXXX or get a \" free XXXX gift card ''. There is no representative available to speak to, just a recording to connect you to sales. \n","text":"Company chooses not to provide a public response","context":": Received threatening letters so i called to clear up the confusion and its just a gimmick to have you call and be sold XXXX or get a \" free XXXX gift card ''. There is no representative available to speak to, just a recording to connect you to sales. \n : Company chooses not to provide a public response"},{"Question":"I applied for a loan modification recently and was denied based on the fact that I had a prior modification from XXXX. In the modification from XXXX, our loan payment increased by XXXX along with our principal balance. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I applied for a loan modification recently and was denied based on the fact that I had a prior modification from XXXX. In the modification from XXXX, our loan payment increased by XXXX along with our principal balance. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They call XXXX times a day donot leave a message and are not in america \n","text":"Company chooses not to provide a public response","context":": They call XXXX times a day donot leave a message and are not in america \n : Company chooses not to provide a public response"},{"Question":"I call then send back requested information but they still refuse to correct and\/or remove incorrect info 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","text":"Company chooses not to provide a public response","context":": I call then send back requested information but they still refuse to correct and\/or remove incorrect info 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 : Company chooses not to provide a public response"},{"Question":"THese people continue to call my job after I have repeatedly told them to stop. It 's harassment and illegal. I am not allowed to have personal calls at work. \n","text":"Company chooses not to provide a public response","context":": THese people continue to call my job after I have repeatedly told them to stop. It 's harassment and illegal. I am not allowed to have personal calls at work. \n : Company chooses not to provide a public response"},{"Question":"FIA CS does not have written authorization to inquire as to my credit. I wrote the credit reporting agencies, but no response XXXX Exhibit # XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": FIA CS does not have written authorization to inquire as to my credit. I wrote the credit reporting agencies, but no response XXXX Exhibit # XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"There is a public record judgement reporting on my credit file and it is not mine. I have requested the removal many times and they have not removed it. \n","text":"Company chooses not to provide a public response","context":": There is a public record judgement reporting on my credit file and it is not mine. I have requested the removal many times and they have not removed it. \n : Company chooses not to provide a public response"},{"Question":"The promised card benefits ( purchase protection ) was not honored \n","text":"Company chooses not to provide a public response","context":": The promised card benefits ( purchase protection ) was not honored \n : Company chooses not to provide a public response"},{"Question":"This is not my bill. I am disputing the experian credit bureau to remove this from my credit report \n","text":"Company chooses not to provide a public response","context":": This is not my bill. I am disputing the experian credit bureau to remove this from my credit report \n : Company chooses not to provide a public response"},{"Question":"Incorrect information on my credit report. I paid on time but the creditor took 4 months to process my payments which in turn made me look like i was late and they are not disputing that the problem was on their end. \n","text":"Company chooses not to provide a public response","context":": Incorrect information on my credit report. I paid on time but the creditor took 4 months to process my payments which in turn made me look like i was late and they are not disputing that the problem was on their end. \n : Company chooses not to provide a public response"},{"Question":"incorrect information \n","text":"Company chooses not to provide a public response","context":": incorrect information \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"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","text":"Company can't verify or dispute the facts in the complaint","context":": 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 : Company can't verify or dispute the facts in the complaint"},{"Question":"FMS is reporting to XXXX and XXXX that I have a collection but there is no amount. I do not have any outstanding medical debts. \n","text":"Company can't verify or dispute the facts in the complaint","context":": FMS is reporting to XXXX and XXXX that I have a collection but there is no amount. I do not have any outstanding medical debts. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I acquired a home mortgage loan from Bank of America for {$100000.00}. This mortgage loan was totally satisfied on XXXX XXXX, 2015. For an unknown reason, Bank of America refuses to provide me with the mortgage release documents. \n","text":"Company chooses not to provide a public response","context":": I acquired a home mortgage loan from Bank of America for {$100000.00}. This mortgage loan was totally satisfied on XXXX XXXX, 2015. For an unknown reason, Bank of America refuses to provide me with the mortgage release documents. \n : Company chooses not to provide a public response"},{"Question":"The debt collection agency in question contacted a family member 's cellphone without any authorization. They provided details of the debt, including the amount, to the family member. The agency later denied contacting any family members. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The debt collection agency in question contacted a family member 's cellphone without any authorization. They provided details of the debt, including the amount, to the family member. The agency later denied contacting any family members. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"central credit calls at least once a day asking for an employee who does not work here. They have been told repeatedly that he does not work here yet they call daily. \n","text":"Company chooses not to provide a public response","context":": central credit calls at least once a day asking for an employee who does not work here. They have been told repeatedly that he does not work here yet they call daily. \n : Company chooses not to provide a public response"},{"Question":"I have tried a few times to check my credit and I am unable to get my credit report. It keeps telling me the information does not match when everything is 100 % correct. I do n't know if someone could have stolen my identity? \n","text":"Company chooses not to provide a public response","context":": I have tried a few times to check my credit and I am unable to get my credit report. It keeps telling me the information does not match when everything is 100 % correct. I do n't know if someone could have stolen my identity? \n : Company chooses not to provide a public response"},{"Question":"i was given a mortgage i did not uderstand and did not qualify \n","text":"Company chooses not to provide a public response","context":": i was given a mortgage i did not uderstand and did not qualify \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Did not try to call me to fix problem. \n","text":"Company chooses not to provide a public response","context":": Did not try to call me to fix problem. \n : Company chooses not to provide a public response"},{"Question":"Received unsolicited Visa debit card from netSpend. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Received unsolicited Visa debit card from netSpend. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I HAVE SENT THIS COMPANY XXXX LETTER TO STOP CALLING ME AND STOP REPORTING THIS ON MY CREDIT. THEY NO LISTEN TO ME AND I CANS NOT TAKES THIS ANYMORE. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I HAVE SENT THIS COMPANY XXXX LETTER TO STOP CALLING ME AND STOP REPORTING THIS ON MY CREDIT. THEY NO LISTEN TO ME AND I CANS NOT TAKES THIS ANYMORE. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I CANT BELIEVE THIS MESS. I SENT OUT NOT XXXX BUT XXXX LETTERS STATIN NOT TO CONTACT ME AND TO TAKE THIS MESS OFF MY CREDIT REPORT. \n","text":"Company chooses not to provide a public response","context":": I CANT BELIEVE THIS MESS. I SENT OUT NOT XXXX BUT XXXX LETTERS STATIN NOT TO CONTACT ME AND TO TAKE THIS MESS OFF MY CREDIT REPORT. \n : Company chooses not to provide a public response"},{"Question":"THIS JUNK BE CRAY. I CANT STAND THAT THEY CALLING ME ALL THE TIME THE THE ACCOUNT AINT MINE. SO I SENT A CEASE AND DESIST THINKIN THAT WOULD HELP BUT IT DIDNT SOOS I SENT THEM ANOTHER. NOW THAT AINT WORKIN \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": THIS JUNK BE CRAY. I CANT STAND THAT THEY CALLING ME ALL THE TIME THE THE ACCOUNT AINT MINE. SO I SENT A CEASE AND DESIST THINKIN THAT WOULD HELP BUT IT DIDNT SOOS I SENT THEM ANOTHER. NOW THAT AINT WORKIN \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"WHY THERE COMPANIES OUT THERE THAT HAVE THE SOUL PURPOSE TO TICK PEOPLE OFF. THEY NO LISTEN TO ME I TELL THEM ALL THE TIMES THEY CALL THEY HAVE THE WRONG PERSON BUT NO. THEY BUT IT UP ON MY REPORT AND CALL NO STOP. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": WHY THERE COMPANIES OUT THERE THAT HAVE THE SOUL PURPOSE TO TICK PEOPLE OFF. THEY NO LISTEN TO ME I TELL THEM ALL THE TIMES THEY CALL THEY HAVE THE WRONG PERSON BUT NO. THEY BUT IT UP ON MY REPORT AND CALL NO STOP. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"After telling them not to call my work, which is at a XXXX. therefore falling under the inconvenient clause. They continue to keep trying to contact me there. They also keep calling my parents house after they have repeatedly asked them not to. \n","text":"Company chooses not to provide a public response","context":": After telling them not to call my work, which is at a XXXX. therefore falling under the inconvenient clause. They continue to keep trying to contact me there. They also keep calling my parents house after they have repeatedly asked them not to. \n : Company chooses not to provide a public response"},{"Question":"says i have home loans and credit cards out ... \nI have never taken a loan and i have never had a credit card and some info is wrong like my current address and employer ... \nI lost my job too due to my XXXX. \nSomething has to be done. \n","text":"Company chooses not to provide a public response","context":": says i have home loans and credit cards out ... \nI have never taken a loan and i have never had a credit card and some info is wrong like my current address and employer ... \nI lost my job too due to my XXXX. \nSomething has to be done. \n : Company chooses not to provide a public response"},{"Question":"I am not able to obtain my experian credit report or report # \n","text":"Company chooses not to provide a public response","context":": I am not able to obtain my experian credit report or report # \n : Company chooses not to provide a public response"},{"Question":"Numerous calls ( more than XXXX ) to my cell phone in less than 2 weeks. Caller does not leave a message and does not answer when I have picked up the call. \n\nInternet research lists this number for a debt collection agency Contract Callers , Inc. of XXXX, Georgia XXXX XXXX XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": Numerous calls ( more than XXXX ) to my cell phone in less than 2 weeks. Caller does not leave a message and does not answer when I have picked up the call. \n\nInternet research lists this number for a debt collection agency Contract Callers , Inc. of XXXX, Georgia XXXX XXXX XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"Turned down for a VA loan by loan officer at price financial services. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Turned down for a VA loan by loan officer at price financial services. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Credit Report from Quicken Loans. I have XXXX complaints on these negative items on my credit reports, and now they show up again and again. After I have been told they are removed. \n","text":"Company chooses not to provide a public response","context":": Credit Report from Quicken Loans. I have XXXX complaints on these negative items on my credit reports, and now they show up again and again. After I have been told they are removed. \n : Company chooses not to provide a public response"},{"Question":"I was unaware that I had any debts of this amount. I recently paid off outstanding XXXX bills and was never notified of any unpaid balances of this amount. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was unaware that I had any debts of this amount. I recently paid off outstanding XXXX bills and was never notified of any unpaid balances of this amount. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A garnishment\/hold has been issued on my bank account because my son is on the account. The debtor did not submit an court order to appear in court. The debtor was given automatic permission to seize my bank account. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": A garnishment\/hold has been issued on my bank account because my son is on the account. The debtor did not submit an court order to appear in court. The debtor was given automatic permission to seize my bank account. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was not properly notified about the lawsuit or garnishment. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was not properly notified about the lawsuit or garnishment. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The company claims that my husband owes them {$84000.00} in student loan debt. The loan does not belong to them, but they are trying to make payment arrangements with us. They have also called and harassed my neighbors and landlord. \n","text":"Company chooses not to provide a public response","context":": The company claims that my husband owes them {$84000.00} in student loan debt. The loan does not belong to them, but they are trying to make payment arrangements with us. They have also called and harassed my neighbors and landlord. \n : Company chooses not to provide a public response"},{"Question":"Repeated calls \n","text":"Company chooses not to provide a public response","context":": Repeated calls \n : Company chooses not to provide a public response"},{"Question":"paid collection at XXXX XXXX\/XXXX\/2015 shows no balance, but Diversified consultant is show smae $ same reason that I owe $ this typical of XXXX, they were the original creditor. The turned over to XXXX and then over to Diversified. \n","text":"Company chooses not to provide a public response","context":": paid collection at XXXX XXXX\/XXXX\/2015 shows no balance, but Diversified consultant is show smae $ same reason that I owe $ this typical of XXXX, they were the original creditor. The turned over to XXXX and then over to Diversified. \n : Company chooses not to provide a public response"},{"Question":"I received this creditcard ending in at my request.. Icontacted them several times to CLOSE the account, but I 'm still receivingpromotions and statements. \n","text":"Company chooses not to provide a public response","context":": I received this creditcard ending in at my request.. Icontacted them several times to CLOSE the account, but I 'm still receivingpromotions and statements. \n : Company chooses not to provide a public response"},{"Question":"There are XXXX inquiries on my report, XXXX from XXXX XXXX, which should be coming off this month and XXXX from XXXX XXXX, which I did not authorize? That too should be coming off soon \n","text":"Company chooses not to provide a public response","context":": There are XXXX inquiries on my report, XXXX from XXXX XXXX, which should be coming off this month and XXXX from XXXX XXXX, which I did not authorize? That too should be coming off soon \n : Company chooses not to provide a public response"},{"Question":"I never received payday loan and collection will not remove from credit report. The original disagreement was over 7 years ago. Collection agency is reporting it as new debt and did not send a notice before putting it on my credit reports so i could dispute it. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I never received payday loan and collection will not remove from credit report. The original disagreement was over 7 years ago. Collection agency is reporting it as new debt and did not send a notice before putting it on my credit reports so i could dispute it. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Received threatening letter stating that the collection agency would consider going after my tangible assets for an old medical bill. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Received threatening letter stating that the collection agency would consider going after my tangible assets for an old medical bill. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"When I type in my personal information I always get an error message saying the information does n't match the information XXXX \n","text":"Company chooses not to provide a public response","context":": When I type in my personal information I always get an error message saying the information does n't match the information XXXX \n : Company chooses not to provide a public response"},{"Question":"I got a letter in the mail from Pioneer Credit Company that that had an actual check for a loan that they created pending deposit of the check or cashing the check. If this got lost in the mail this could 've hurt my credit. Anyone could 've cashed this \n","text":"Company chooses not to provide a public response","context":": I got a letter in the mail from Pioneer Credit Company that that had an actual check for a loan that they created pending deposit of the check or cashing the check. If this got lost in the mail this could 've hurt my credit. Anyone could 've cashed this \n : Company chooses not to provide a public response"},{"Question":"Reporting incorrect information on XXXX credit reports.This is not my account and I have sent XXXX letters as well as telling them to removethis account from my report. Auto Credit has been reporting this false information for over 7 years. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Reporting incorrect information on XXXX credit reports.This is not my account and I have sent XXXX letters as well as telling them to removethis account from my report. Auto Credit has been reporting this false information for over 7 years. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX from Kay Jewlers contacted my employer about my debt and disclosed personal information about the debt in an attempt to collect it. \n","text":"Company believes complaint is the result of an isolated error","context":": XXXX from Kay Jewlers contacted my employer about my debt and disclosed personal information about the debt in an attempt to collect it. \n : Company believes complaint is the result of an isolated error"},{"Question":"Did not receive notice of right to dispute, i dont know where this debt came from \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Did not receive notice of right to dispute, i dont know where this debt came from \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Did not receive notice of right dispute, i dont know what this debt is for \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Did not receive notice of right dispute, i dont know what this debt is for \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"i paid off all accounts with understanding that it would be removed from credit report. it wasnt and when i attempted to contact them and have it removed they said there is nothing they will do \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i paid off all accounts with understanding that it would be removed from credit report. it wasnt and when i attempted to contact them and have it removed they said there is nothing they will do \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I paid FIRST POINT resources XXXX debt was paid on XXXX\/XXXX\/15 they left it on my credit file..im XXXX if I paid the debit they should be kind enough topay the debit with my little bit of money they should be nice enough to TAKE IT OFF my file I call them they flat refused.. \n","text":"Company chooses not to provide a public response","context":": I paid FIRST POINT resources XXXX debt was paid on XXXX\/XXXX\/15 they left it on my credit file..im XXXX if I paid the debit they should be kind enough topay the debit with my little bit of money they should be nice enough to TAKE IT OFF my file I call them they flat refused.. \n : Company chooses not to provide a public response"},{"Question":"SEARS claims I have a balance with them and never paid them therefore sending me to a ( without notifying me nor by mail, phone call, or e-mail ) collection agency on the balance that was not accurately or at all mine \n","text":"Company chooses not to provide a public response","context":": SEARS claims I have a balance with them and never paid them therefore sending me to a ( without notifying me nor by mail, phone call, or e-mail ) collection agency on the balance that was not accurately or at all mine \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX XXXX sold my mortgage loan to Select Portfolio Services. The initial date of non payment was XXXX. Both companies are reporting incorrect date as well as incorrect monthly payment. Thus it has raged the debt \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX XXXX XXXX XXXX XXXX sold my mortgage loan to Select Portfolio Services. The initial date of non payment was XXXX. Both companies are reporting incorrect date as well as incorrect monthly payment. Thus it has raged the debt \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Bank of America Home Loans sold my mortgage loan to XXXX XXXX XXXX. The initial date of non payment was XXXX. XXXX companies are reporting incorrect date as well as incorrect monthly payment. Thus it has raged the debt \n","text":"Company chooses not to provide a public response","context":": Bank of America Home Loans sold my mortgage loan to XXXX XXXX XXXX. The initial date of non payment was XXXX. XXXX companies are reporting incorrect date as well as incorrect monthly payment. Thus it has raged the debt \n : Company chooses not to provide a public response"},{"Question":"I was trying to get my free credit report..but it came upon some security question, that none of those questions were related to me at all..How can i fix this. \n","text":"Company chooses not to provide a public response","context":": I was trying to get my free credit report..but it came upon some security question, that none of those questions were related to me at all..How can i fix this. \n : Company chooses not to provide a public response"},{"Question":"I need to file a dispute about the addresses and spousal\/coapplicant information is wrong! \n","text":"Company chooses not to provide a public response","context":": I need to file a dispute about the addresses and spousal\/coapplicant information is wrong! \n : Company chooses not to provide a public response"},{"Question":"Have been trying to obtain verification of debt documentation since XXXX 2014. Bank of America has not provided anything, neither has their attorney. It has been XXXX months and this account si damaging my credit. There is no one to talk to regarding this debt. \n","text":"Company chooses not to provide a public response","context":": Have been trying to obtain verification of debt documentation since XXXX 2014. Bank of America has not provided anything, neither has their attorney. It has been XXXX months and this account si damaging my credit. There is no one to talk to regarding this debt. \n : Company chooses not to provide a public response"},{"Question":"US Bank advertised its XXXX XXXX card with \" bonus award night exclusively for card members '' who \" enjoy all these benefits after paying {$75.00} annual fee. Relying on this advertising, we paid the annual fee, but now the bonus award night has been rescinded. \n","text":"Company chooses not to provide a public response","context":": US Bank advertised its XXXX XXXX card with \" bonus award night exclusively for card members '' who \" enjoy all these benefits after paying {$75.00} annual fee. Relying on this advertising, we paid the annual fee, but now the bonus award night has been rescinded. \n : Company chooses not to provide a public response"},{"Question":"I disputed several things on my XXXX credit report and I am trying to make sure that they are removed from all credit bureaus. \n","text":"Company chooses not to provide a public response","context":": I disputed several things on my XXXX credit report and I am trying to make sure that they are removed from all credit bureaus. \n : Company chooses not to provide a public response"},{"Question":"Collection agency is attempting to collect on a debt that I satisfactorily paid off a few years ago.The collection agency has XXXX the price owed and has negatively placed this collection on my credit report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Collection agency is attempting to collect on a debt that I satisfactorily paid off a few years ago.The collection agency has XXXX the price owed and has negatively placed this collection on my credit report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Pay Pal gave me an unauthorized line of credit and is now saying that I have a negative balance. I have never asked Pay Pal for any line of credit, nor do I want one. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Pay Pal gave me an unauthorized line of credit and is now saying that I have a negative balance. I have never asked Pay Pal for any line of credit, nor do I want one. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"FIA CARD SERVICES HAVE VIOLATED F.C.R.A.-FDCPA, UNLAWFULLY REINSERTING XXXX ACCOUNTS ONTO MY XXXX CREDIT PROFILE SEVERAL TIMES WITHOUT 5 DAY NOTICE TO CONSUMER. \n","text":"Company chooses not to provide a public response","context":": FIA CARD SERVICES HAVE VIOLATED F.C.R.A.-FDCPA, UNLAWFULLY REINSERTING XXXX ACCOUNTS ONTO MY XXXX CREDIT PROFILE SEVERAL TIMES WITHOUT 5 DAY NOTICE TO CONSUMER. \n : Company chooses not to provide a public response"},{"Question":"Experian has told me that they have investigated an account to XXXX XXXX XXXX. After speaking to the original creditor, XXXX XXXX XXXX had the credit bureaus remove the false information from my credit report. Experian has refused to remove this information. \n","text":"Company chooses not to provide a public response","context":": Experian has told me that they have investigated an account to XXXX XXXX XXXX. After speaking to the original creditor, XXXX XXXX XXXX had the credit bureaus remove the false information from my credit report. Experian has refused to remove this information. \n : Company chooses not to provide a public response"},{"Question":"Credit card reduction in benefits \n","text":"Company chooses not to provide a public response","context":": Credit card reduction in benefits \n : Company chooses not to provide a public response"},{"Question":"Debt collection company was issued a validation of debt notice which was received XXXX XXXX 2015. They have posted the debt on my credit score after being told not to until validation was made. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt collection company was issued a validation of debt notice which was received XXXX XXXX 2015. They have posted the debt on my credit score after being told not to until validation was made. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Ally Bank locked out my account. Despite my submitting all the required documents they still have locked all access to my account for over 24 hours \n","text":"Company chooses not to provide a public response","context":": Ally Bank locked out my account. Despite my submitting all the required documents they still have locked all access to my account for over 24 hours \n : Company chooses not to provide a public response"},{"Question":"In XXXX 2014, I filed a complaint with Harris & Harris , Ltd. pursuant to the Fair Debt Collection Act, hereinafter ( FDCPA ), Section 809 ( b ). \nTo date, the said business has not responded. Thus, my state tax refund has been garnished. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": In XXXX 2014, I filed a complaint with Harris & Harris , Ltd. pursuant to the Fair Debt Collection Act, hereinafter ( FDCPA ), Section 809 ( b ). \nTo date, the said business has not responded. Thus, my state tax refund has been garnished. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The derogatory Bank of America Credit Item on all XXXX credit reporting agencies is incorrect and inaccurate. This credit was listed on my Chapter XXXX Bankruptcy filing dated-XX\/XX\/2013 XXXX XXXX XXXX XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": The derogatory Bank of America Credit Item on all XXXX credit reporting agencies is incorrect and inaccurate. This credit was listed on my Chapter XXXX Bankruptcy filing dated-XX\/XX\/2013 XXXX XXXX XXXX XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"I found this on my credit report with XXXX. XXXX says they verified it. I know for a fact this is wrong and have requested proof but have not received any proof. \n","text":"Company disputes the facts presented in the complaint","context":": I found this on my credit report with XXXX. XXXX says they verified it. I know for a fact this is wrong and have requested proof but have not received any proof. \n : Company disputes the facts presented in the complaint"},{"Question":"i have ask on a number occasion to validate.and XXXX have refused to supply me with the information. This account is over 7 years old. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": i have ask on a number occasion to validate.and XXXX have refused to supply me with the information. This account is over 7 years old. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"my bank of america housing servicing loan just disappeared in the state of mississippi where did my credit go to in mississippi \n","text":"Company chooses not to provide a public response","context":": my bank of america housing servicing loan just disappeared in the state of mississippi where did my credit go to in mississippi \n : Company chooses not to provide a public response"},{"Question":"Sun Trust is reporting derogatory and inaccurate information on my credit report. The Sun Trust Item on all my credit reports was listed on my Chapter XXXX Bankruptcy Filing dated-XX\/XX\/2013. Please see attached filing. \n","text":"Company chooses not to provide a public response","context":": Sun Trust is reporting derogatory and inaccurate information on my credit report. The Sun Trust Item on all my credit reports was listed on my Chapter XXXX Bankruptcy Filing dated-XX\/XX\/2013. Please see attached filing. \n : Company chooses not to provide a public response"},{"Question":"I never received any material from this company \n","text":"Company chooses not to provide a public response","context":": I never received any material from this company \n : Company chooses not to provide a public response"},{"Question":"I concern with the Inquiries on my credit report. I did n't authorize these listed that I sent back in to Experian to investigate how they got their. I did n't give my consent verbally, written, or electronically to pull my credit report. \n","text":"Company chooses not to provide a public response","context":": I concern with the Inquiries on my credit report. I did n't authorize these listed that I sent back in to Experian to investigate how they got their. I did n't give my consent verbally, written, or electronically to pull my credit report. \n : Company chooses not to provide a public response"},{"Question":"Im trying to get my free annual report and its not letting me \n","text":"Company chooses not to provide a public response","context":": Im trying to get my free annual report and its not letting me \n : Company chooses not to provide a public response"},{"Question":"BANK OF AMERICA wrongly reported we were late on our monthly payment on XXXX 2013 which i snot true, i already contact bank many times but they did not corrected \n","text":"Company chooses not to provide a public response","context":": BANK OF AMERICA wrongly reported we were late on our monthly payment on XXXX 2013 which i snot true, i already contact bank many times but they did not corrected \n : Company chooses not to provide a public response"},{"Question":"My paypal account was permanently limited on XXXX, so was my debit card. I have {$3800.00} in my account and could not withdraw it. Paypal may have right to limit\/close accounts, but they should not hold people 's money for that long. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My paypal account was permanently limited on XXXX, so was my debit card. I have {$3800.00} in my account and could not withdraw it. Paypal may have right to limit\/close accounts, but they should not hold people 's money for that long. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A court judgement was reported incorrectly on my credit report. I was list as the defendant whereas I was actually the plaintiff and also it was reported that the judgment was against me whereas it was for me. \n","text":"Company chooses not to provide a public response","context":": A court judgement was reported incorrectly on my credit report. I was list as the defendant whereas I was actually the plaintiff and also it was reported that the judgment was against me whereas it was for me. \n : Company chooses not to provide a public response"},{"Question":"It was told I have this phone account and I have never had XXXX services and I have had another provider for over 15 years. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": It was told I have this phone account and I have never had XXXX services and I have had another provider for over 15 years. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have yet to receive our results from Transunion regarding our dispute. I am requesting an error to be removed from my credit report as it in an error. \n","text":"Company chooses not to provide a public response","context":": I have yet to receive our results from Transunion regarding our dispute. I am requesting an error to be removed from my credit report as it in an error. \n : Company chooses not to provide a public response"},{"Question":"This debt collection company calls my job multiple times a day and wo n't give any information who there or what they want. It 's embarrassing and they need to stop calling my job all the time. I have asked them to stop calling my place of employment. \n","text":"Company believes complaint is the result of an isolated error","context":": This debt collection company calls my job multiple times a day and wo n't give any information who there or what they want. It 's embarrassing and they need to stop calling my job all the time. I have asked them to stop calling my place of employment. \n : Company believes complaint is the result of an isolated error"},{"Question":"Case numbers : XXXX\/XXXX\/XXXXI need to know why my credit score dropped dramatically. \n","text":"Company chooses not to provide a public response","context":": Case numbers : XXXX\/XXXX\/XXXXI need to know why my credit score dropped dramatically. \n : Company chooses not to provide a public response"},{"Question":"This collection agency will not remove wrong information they put on credit report, I have sent XXXX letters asking them to validate or remove the debt and I got no response! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This collection agency will not remove wrong information they put on credit report, I have sent XXXX letters asking them to validate or remove the debt and I got no response! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have no idea, nor could XXXX tell me why or how this account was opened. I never agreed to pay for money I never borrowed! \n","text":"Company chooses not to provide a public response","context":": I have no idea, nor could XXXX tell me why or how this account was opened. I never agreed to pay for money I never borrowed! \n : Company chooses not to provide a public response"},{"Question":"I was called by someone at XXXX who claims I still owe money for a XXXX account that was paid over 6 years ago. The man I spoke with was forceful and threatening that his client might sue. It was shady at best. \n","text":"Company disputes the facts presented in the complaint","context":": I was called by someone at XXXX who claims I still owe money for a XXXX account that was paid over 6 years ago. The man I spoke with was forceful and threatening that his client might sue. It was shady at best. \n : Company disputes the facts presented in the complaint"},{"Question":"The debt has shown on my credit report in XXXX separate spots. I do n't know what for .. When I called I was decided a statement. \nProgressive mgmt systems. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The debt has shown on my credit report in XXXX separate spots. I do n't know what for .. When I called I was decided a statement. \nProgressive mgmt systems. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"shows a previous address that I NEVER received mail at, never was a resident.. Do n't even know anyone who has. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": shows a previous address that I NEVER received mail at, never was a resident.. Do n't even know anyone who has. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX XXXX 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 XXXX XXXX. I have asked to see a contract that requires me to do business with them and they ignore me. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX 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 XXXX XXXX. I have asked to see a contract that requires me to do business with them and they ignore me. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"A personal check was made out to me and a XXXX party ( i.e. XXXX AND XXXX ). Bank of America accepted this check with only XXXX signature and deposited it into the XXXX party 's personal bank account. \n","text":"Company chooses not to provide a public response","context":": A personal check was made out to me and a XXXX party ( i.e. XXXX AND XXXX ). Bank of America accepted this check with only XXXX signature and deposited it into the XXXX party 's personal bank account. \n : Company chooses not to provide a public response"},{"Question":"I have sent full amounts to Chapman Financial Services couple months ago for past due collection and they refuse to apply it to the debt amount balance. \n","text":"Company chooses not to provide a public response","context":": I have sent full amounts to Chapman Financial Services couple months ago for past due collection and they refuse to apply it to the debt amount balance. \n : Company chooses not to provide a public response"},{"Question":"Unable to transfer IRA funds to another bank. Partial transfer due to $ 250k FDIC limit \n","text":"Company chooses not to provide a public response","context":": Unable to transfer IRA funds to another bank. Partial transfer due to $ 250k FDIC limit \n : Company chooses not to provide a public response"},{"Question":"First National Collection Bureau, IncXXXX XXXX XXXX, Nevada XXXX-XXXXSettlement Offer 50 % in XXXX paymentsDirectTV settlement of {$320.00} in XXXX payments over 2 months starting on XXXX\/XXXX\/2015 ( 28 days ) for XXXX payments of {$160.00} \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": First National Collection Bureau, IncXXXX XXXX XXXX, Nevada XXXX-XXXXSettlement Offer 50 % in XXXX paymentsDirectTV settlement of {$320.00} in XXXX payments over 2 months starting on XXXX\/XXXX\/2015 ( 28 days ) for XXXX payments of {$160.00} \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Ally Financial is reporting XXXX 30 day late payments in the same month, XXXX 2015. I currently do not owe any payments until XXXX 2015 and have cleared bank debits of XXXX payments in XXXX due to poor communication on behalf of Ally and poor record keeping and reporting. \n","text":"Company chooses not to provide a public response","context":": Ally Financial is reporting XXXX 30 day late payments in the same month, XXXX 2015. I currently do not owe any payments until XXXX 2015 and have cleared bank debits of XXXX payments in XXXX due to poor communication on behalf of Ally and poor record keeping and reporting. \n : Company chooses not to provide a public response"},{"Question":"XXXX charged me for services that they said were free if I cancelled within 30 days. I cancelled inside the allotted time and now they are still trying to charge me. \n","text":"Company chooses not to provide a public response","context":": XXXX charged me for services that they said were free if I cancelled within 30 days. I cancelled inside the allotted time and now they are still trying to charge me. \n : Company chooses not to provide a public response"},{"Question":"They said the ss number belongs to me \n","text":"Company chooses not to provide a public response","context":": They said the ss number belongs to me \n : Company chooses not to provide a public response"},{"Question":"Macy 's always charges {$2.00} ( as \" minimum interest '' ) each month even AFTER the remaining balance has been completely paid off. Is this legal? \n","text":"Company chooses not to provide a public response","context":": Macy 's always charges {$2.00} ( as \" minimum interest '' ) each month even AFTER the remaining balance has been completely paid off. Is this legal? \n : Company chooses not to provide a public response"},{"Question":"There is an account XXXX a collection account. I 've never had an individual XXXX account. XXXX has never validated this debt. I 've never seen the original credit application. I have a XXXX account however it 's joint with my wife and its current. \n","text":"Company chooses not to provide a public response","context":": There is an account XXXX a collection account. I 've never had an individual XXXX account. XXXX has never validated this debt. I 've never seen the original credit application. I have a XXXX account however it 's joint with my wife and its current. \n : Company chooses not to provide a public response"},{"Question":"FILED A DISPUTE # XXXX. RECEIVED A REPLY FROM EXPERIAN THAT SAID VIRTUALLY NOTHING AND VERY CONFUSING. \n","text":"Company chooses not to provide a public response","context":": FILED A DISPUTE # XXXX. RECEIVED A REPLY FROM EXPERIAN THAT SAID VIRTUALLY NOTHING AND VERY CONFUSING. \n : Company chooses not to provide a public response"},{"Question":"I had a judgment on my credit report with XXXX, XXXX, and XXXX. I made monthly payments and now The debt is paid off in full. But the judgement is still showing on my XXXX credit reports. The debt collector failed to report that the debt is now paid in full. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I had a judgment on my credit report with XXXX, XXXX, and XXXX. I made monthly payments and now The debt is paid off in full. But the judgement is still showing on my XXXX credit reports. The debt collector failed to report that the debt is now paid in full. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Lien placed on my residence when debt is not mine. Person who the debt belongs to has same last name and same last XXXX of SSN, however different first name and middle initial than mine. \n","text":"Company chooses not to provide a public response","context":": Lien placed on my residence when debt is not mine. Person who the debt belongs to has same last name and same last XXXX of SSN, however different first name and middle initial than mine. \n : Company chooses not to provide a public response"},{"Question":"Ive contacted this company several times for several years trying to obtain information on an account that they are reportung on my credit file XXXX times, i have constantly disputed this account without resolution, it simply is not my account, its fraud please help \n","text":"Company chooses not to provide a public response","context":": Ive contacted this company several times for several years trying to obtain information on an account that they are reportung on my credit file XXXX times, i have constantly disputed this account without resolution, it simply is not my account, its fraud please help \n : Company chooses not to provide a public response"},{"Question":"lost my wallet, and i had my social security card in it. someone might have used my name and number to get services from commonwealth XXXX company \n","text":"Company chooses not to provide a public response","context":": lost my wallet, and i had my social security card in it. someone might have used my name and number to get services from commonwealth XXXX company \n : Company chooses not to provide a public response"},{"Question":"Bank placed a negative complaint on my XXXX report for suspected fraud activity and I do n't owe the bank anything and there was no fraud on my account. \n","text":"Company chooses not to provide a public response","context":": Bank placed a negative complaint on my XXXX report for suspected fraud activity and I do n't owe the bank anything and there was no fraud on my account. \n : Company chooses not to provide a public response"},{"Question":"I have never went to this hospital never been there never receiveda letter from this collection agency \n","text":"Company chooses not to provide a public response","context":": I have never went to this hospital never been there never receiveda letter from this collection agency \n : Company chooses not to provide a public response"},{"Question":"A bill for {$93.00} that I do not owe. Looks like a scam letter. \n","text":"Company disputes the facts presented in the complaint","context":": A bill for {$93.00} that I do not owe. Looks like a scam letter. \n : Company disputes the facts presented in the complaint"},{"Question":"Citibank is calling on Sunday morning at XXXX XXXX ( Arizona time ) for a payment to a past due account. Per the federal guidelines, it states calls can be made between XXXX XXXX - XXXX XXXX on Sundays. This phone call was outside of these hours. \n","text":"Company chooses not to provide a public response","context":": Citibank is calling on Sunday morning at XXXX XXXX ( Arizona time ) for a payment to a past due account. Per the federal guidelines, it states calls can be made between XXXX XXXX - XXXX XXXX on Sundays. This phone call was outside of these hours. \n : Company chooses not to provide a public response"},{"Question":"Bank of America was supposed to modify my mortgage from 6.75 % fixed to the current rate 4.00 % Fixed. I was told to call XXXX, when I did, I was told that my paperwork had been lost. \n","text":"Company chooses not to provide a public response","context":": Bank of America was supposed to modify my mortgage from 6.75 % fixed to the current rate 4.00 % Fixed. I was told to call XXXX, when I did, I was told that my paperwork had been lost. \n : Company chooses not to provide a public response"},{"Question":"I have never had an account with the XXXX cable that my debt originated from. They sent my case to Focus RM collections, and I ca n't get a hold of anyone to resolve the issue! I 'm so frustrated and confused. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have never had an account with the XXXX cable that my debt originated from. They sent my case to Focus RM collections, and I ca n't get a hold of anyone to resolve the issue! I 'm so frustrated and confused. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This account was paid by the California state Victums fund. I was the victum of XXXX and was told by the doctor they where billing the fund. I have disputed the item and no proof sent to me it is a total scam but his collection agency who muscles XXXX \n","text":"Company can't verify or dispute the facts in the complaint","context":": This account was paid by the California state Victums fund. I was the victum of XXXX and was told by the doctor they where billing the fund. I have disputed the item and no proof sent to me it is a total scam but his collection agency who muscles XXXX \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I have a credit card with Bank of America, which was closed in XXXX\/XXXX\/08 with settlement. But now it still shows are maximum delinquency of {$1200.00}. Please help to investigate and remove the delinquent amount. \n","text":"Company chooses not to provide a public response","context":": I have a credit card with Bank of America, which was closed in XXXX\/XXXX\/08 with settlement. But now it still shows are maximum delinquency of {$1200.00}. Please help to investigate and remove the delinquent amount. \n : Company chooses not to provide a public response"},{"Question":"I have a collection on my credit report for over XXXX and at that time I had insurance and was covered 100 %. This collection is a mistake and I have tried to resolve this matter with the credit bureaus as well as with the company which has yielded no results. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have a collection on my credit report for over XXXX and at that time I had insurance and was covered 100 %. This collection is a mistake and I have tried to resolve this matter with the credit bureaus as well as with the company which has yielded no results. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I just want my credit report updated and accurate. i have bills that has been paid through Chapter XXXX bankruptcy XXXX XXXX XXXX Case XXXX. \n","text":"Company chooses not to provide a public response","context":": I just want my credit report updated and accurate. i have bills that has been paid through Chapter XXXX bankruptcy XXXX XXXX XXXX Case XXXX. \n : Company chooses not to provide a public response"},{"Question":"I received a letter from this company stating that I owe then a debt. To my knowledge I have never done business with this company and nor have they ever provided services for me \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received a letter from this company stating that I owe then a debt. To my knowledge I have never done business with this company and nor have they ever provided services for me \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I have submitted a valid ftc report and police report and this collection agency refuses to comply with FCRA laws \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have submitted a valid ftc report and police report and this collection agency refuses to comply with FCRA laws \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They called my mother 's cell phone and NOT ME. When I called to find out who it was & what for. I have NEVER received a debt letter or heard of ERC. When the collector demanded collection & told her that her company has never sent me a letter of debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They called my mother 's cell phone and NOT ME. When I called to find out who it was & what for. I have NEVER received a debt letter or heard of ERC. When the collector demanded collection & told her that her company has never sent me a letter of debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Returned my vehicle once I was laid off from my job, was not past due ... .but they immediately filed for a judgement on my credit. \n","text":"Company chooses not to provide a public response","context":": Returned my vehicle once I was laid off from my job, was not past due ... .but they immediately filed for a judgement on my credit. \n : Company chooses not to provide a public response"},{"Question":"Debt was paid in XX\/XX\/XXXX the month it occurred, but keep getting bills and now from Collection agency. Now saying that I showed proof after the bill was sent to Collection Agency. the bill was paid in XX\/XX\/XXXX and received a notice from Collection Agency in XX\/XX\/XXXX. \n","text":"Company disputes the facts presented in the complaint","context":": Debt was paid in XX\/XX\/XXXX the month it occurred, but keep getting bills and now from Collection agency. Now saying that I showed proof after the bill was sent to Collection Agency. the bill was paid in XX\/XX\/XXXX and received a notice from Collection Agency in XX\/XX\/XXXX. \n : Company disputes the facts presented in the complaint"},{"Question":"BEING XXXX BY CASH CALL ON A INSTALLMENT LOAN ... \/\/ \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": BEING XXXX BY CASH CALL ON A INSTALLMENT LOAN ... \/\/ \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Multiple recorded calls from XXXX XXXX XXXX about a supposed debt owed to \" state of sc '' a state in which i have never lived or worked. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Multiple recorded calls from XXXX XXXX XXXX about a supposed debt owed to \" state of sc '' a state in which i have never lived or worked. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Information that is XXXX years old is still on my credit report. I have filed a dispute with the XXXX, but the information is still there. \n","text":"Company chooses not to provide a public response","context":": Information that is XXXX years old is still on my credit report. I have filed a dispute with the XXXX, but the information is still there. \n : Company chooses not to provide a public response"},{"Question":"constant robo calling \n","text":"Company disputes the facts presented in the complaint","context":": constant robo calling \n : Company disputes the facts presented in the complaint"},{"Question":"Failed to stop sending notices, failed to provided details of amt due, fialed to send request information per my letters. \n\nViolated Fair Credit Collection Laws. Fail to response to my letters requests. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Failed to stop sending notices, failed to provided details of amt due, fialed to send request information per my letters. \n\nViolated Fair Credit Collection Laws. Fail to response to my letters requests. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Transunion and XXXXhave n't updated myincome for years I receive100 % VA, XXXX pay, and social security. It 's killingme financially \n","text":"Company chooses not to provide a public response","context":": Transunion and XXXXhave n't updated myincome for years I receive100 % VA, XXXX pay, and social security. It 's killingme financially \n : Company chooses not to provide a public response"},{"Question":"Also did not send me documents on validating the debt the name of creditor. I have asked them to cease and decist with calling my mother, my job, and also me. The number that keeps harassing me is XXXX \n","text":"Company chooses not to provide a public response","context":": Also did not send me documents on validating the debt the name of creditor. I have asked them to cease and decist with calling my mother, my job, and also me. The number that keeps harassing me is XXXX \n : Company chooses not to provide a public response"},{"Question":"my wallet was stolen along time ago and now im receiving a letter stating I owe a banking institution this is not me \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": my wallet was stolen along time ago and now im receiving a letter stating I owe a banking institution this is not me \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I tried to get a XXXX contract phone they called a number for credit check the machine said I had a mortgage in my name and there should n't be \n","text":"Company chooses not to provide a public response","context":": I tried to get a XXXX contract phone they called a number for credit check the machine said I had a mortgage in my name and there should n't be \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was erroneously charged for items I did not purchase with my Bank of America cash back credit card. I called to file a dispute only to be told by the representative to go to the merchant and ask for a refund. She refused to let me file a credit dispute with them. \n","text":"Company chooses not to provide a public response","context":": I was erroneously charged for items I did not purchase with my Bank of America cash back credit card. I called to file a dispute only to be told by the representative to go to the merchant and ask for a refund. She refused to let me file a credit dispute with them. \n : Company chooses not to provide a public response"},{"Question":"My mother have used my credit on multiple things that I did not authorize as a child and as an adult. \n","text":"Company chooses not to provide a public response","context":": My mother have used my credit on multiple things that I did not authorize as a child and as an adult. \n : Company chooses not to provide a public response"},{"Question":"Attempted to close Citi\/XXXX XXXX account and was unable to. \n","text":"Company chooses not to provide a public response","context":": Attempted to close Citi\/XXXX XXXX account and was unable to. \n : Company chooses not to provide a public response"},{"Question":"The creditor sued me and obtained a judgement against me and subsequently garnished my wages on debt that had passed the statute of limitations. \n","text":"Company chooses not to provide a public response","context":": The creditor sued me and obtained a judgement against me and subsequently garnished my wages on debt that had passed the statute of limitations. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Home foreclosed upon in XX\/XX\/XXXX. Settlement received for improper foreclosure in XXXX Credit report not reflecting improper foreclosure. \n","text":"Company chooses not to provide a public response","context":": Home foreclosed upon in XX\/XX\/XXXX. Settlement received for improper foreclosure in XXXX Credit report not reflecting improper foreclosure. \n : Company chooses not to provide a public response"},{"Question":"I have been a customer of Bank of America for over XXXX years and have not had any late payments, but they reported XXXX XXXX day late payments to the credit agencies. I have stellar credit and have always sent my payments out prior to them being XXXX days late. \n","text":"Company chooses not to provide a public response","context":": I have been a customer of Bank of America for over XXXX years and have not had any late payments, but they reported XXXX XXXX day late payments to the credit agencies. I have stellar credit and have always sent my payments out prior to them being XXXX days late. \n : Company chooses not to provide a public response"},{"Question":"XXXX account fraudulently opened in my name \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX account fraudulently opened in my name \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I paid a XXXX XXXX on XXXX XXXX. On XXXX XXXX and the XXXX respectively. XXXX hired. XXXX XXXX, XXXX and Stellar Recovery, inc. to continue to collect a debt I have already paid directly to XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I paid a XXXX XXXX on XXXX XXXX. On XXXX XXXX and the XXXX respectively. XXXX hired. XXXX XXXX, XXXX and Stellar Recovery, inc. to continue to collect a debt I have already paid directly to XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Citibank has a XXXX day late payment that they are reporting to the credit agencies from 2013. I have been a customer for XXXX years and have never had a payment go out after XXXX days. It was sent and postmarked prior to the XXXX days that they reported. \n","text":"Company chooses not to provide a public response","context":": Citibank has a XXXX day late payment that they are reporting to the credit agencies from 2013. I have been a customer for XXXX years and have never had a payment go out after XXXX days. It was sent and postmarked prior to the XXXX days that they reported. \n : Company chooses not to provide a public response"},{"Question":"Navy Federal Credit Union is withholding access to information about my checking accout, apparently in retaliation for refinancing my Navy Federal mortgage with a different bank. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Navy Federal Credit Union is withholding access to information about my checking accout, apparently in retaliation for refinancing my Navy Federal mortgage with a different bank. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"well now that Im on a computer where I can print my report from, I wanted to be able to view it so that Im able to print it out \n","text":"Company chooses not to provide a public response","context":": well now that Im on a computer where I can print my report from, I wanted to be able to view it so that Im able to print it out \n : Company chooses not to provide a public response"},{"Question":"We were served with a law suit from fred j hanna law firm and since being put on an automatic payment arrangement we have not received any information. We also believe the amount that was requested was over the amount we owe. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": We were served with a law suit from fred j hanna law firm and since being put on an automatic payment arrangement we have not received any information. We also believe the amount that was requested was over the amount we owe. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Constant calls to my place of business. Always a recording, when I hold for a rep, call hangs me up so I never get the chance to speak to someone to question the legitimacy of the call. \n\nRecorded call dials in XXXX times a day, everyday including weekends. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Constant calls to my place of business. Always a recording, when I hold for a rep, call hangs me up so I never get the chance to speak to someone to question the legitimacy of the call. \n\nRecorded call dials in XXXX times a day, everyday including weekends. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I lost funds due the bank show that i had the funds availableand the them charging me an overdraft fee on numerous occasions over many years \n","text":"Company chooses not to provide a public response","context":": I lost funds due the bank show that i had the funds availableand the them charging me an overdraft fee on numerous occasions over many years \n : Company chooses not to provide a public response"},{"Question":"They have charged overdraft fee XXXX times in a roll in XXXX day. Each one was {$35.00}. \n","text":"Company chooses not to provide a public response","context":": They have charged overdraft fee XXXX times in a roll in XXXX day. Each one was {$35.00}. \n : Company chooses not to provide a public response"},{"Question":"I was denied loan a modification and they did not let me appeal the decision during the 30 days period now have been foreclosed on. The bank took the house back and I have XXXX young kids and no place to go \n","text":"Company chooses not to provide a public response","context":": I was denied loan a modification and they did not let me appeal the decision during the 30 days period now have been foreclosed on. The bank took the house back and I have XXXX young kids and no place to go \n : Company chooses not to provide a public response"},{"Question":"pUT ME IN COLLECTIONS WITH bAY cREDIT, AFTER REPEATED ATTEMPTS TO GET PROOF IT WAS MINE.tHIS WAS FOR XXXX AND & I HAVE NEVER BEEN ON XXXX.WROTE THEM NUMEROUS LETTERS, SENT THEM PROOF AND THEY REFUSED, STILL PUTTING IT ON MY REPORT. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": pUT ME IN COLLECTIONS WITH bAY cREDIT, AFTER REPEATED ATTEMPTS TO GET PROOF IT WAS MINE.tHIS WAS FOR XXXX AND & I HAVE NEVER BEEN ON XXXX.WROTE THEM NUMEROUS LETTERS, SENT THEM PROOF AND THEY REFUSED, STILL PUTTING IT ON MY REPORT. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Transunion sent a disrespectful letter answering to some disputes on my credit report telling me that my dispute is frivolous. What kind of company they are? \n","text":"Company chooses not to provide a public response","context":": Transunion sent a disrespectful letter answering to some disputes on my credit report telling me that my dispute is frivolous. What kind of company they are? \n : Company chooses not to provide a public response"},{"Question":"Have a best buy credit card, use there 24 months same as cash, the past 23 months paid XXXX in minimum payments, plus an extra XXXX towards outstanding balances, only XXXX has be applied toward the same as cash balance. \nFeel, I 'm being taken advantage of buy best buy credit services. \n","text":"Company chooses not to provide a public response","context":": Have a best buy credit card, use there 24 months same as cash, the past 23 months paid XXXX in minimum payments, plus an extra XXXX towards outstanding balances, only XXXX has be applied toward the same as cash balance. \nFeel, I 'm being taken advantage of buy best buy credit services. \n : Company chooses not to provide a public response"},{"Question":"I have never lived in the states of XXXX, or XXXX or XXXX XXXX in XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": I have never lived in the states of XXXX, or XXXX or XXXX XXXX in XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"hello i have tried sevrel times to get experian to delete negative info that the company agreedto delete no response and there system will not allow me to do an online dispute \n","text":"Company chooses not to provide a public response","context":": hello i have tried sevrel times to get experian to delete negative info that the company agreedto delete no response and there system will not allow me to do an online dispute \n : Company chooses not to provide a public response"},{"Question":"On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However Trans Union is still reporting it on my credit report. \n","text":"Company chooses not to provide a public response","context":": On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However Trans Union is still reporting it on my credit report. \n : Company chooses not to provide a public response"},{"Question":"Unfair loan process, poor communication, unprofessional company \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Unfair loan process, poor communication, unprofessional company \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX sold off my collection to a third party, that third party gave out my information to someone else who picked up the phone. They admitted it, but then claimed that I was lying about it not being me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX sold off my collection to a third party, that third party gave out my information to someone else who picked up the phone. They admitted it, but then claimed that I was lying about it not being me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I used XXXX XXXX Visa Debit card and they took the {$72.00} saying it was pending though it was declined to XXXX. They will not put the money back for eight days so I can not use it. \n","text":"Company chooses not to provide a public response","context":": I used XXXX XXXX Visa Debit card and they took the {$72.00} saying it was pending though it was declined to XXXX. They will not put the money back for eight days so I can not use it. \n : Company chooses not to provide a public response"},{"Question":"My case # XXXX would like an update from Wells Fargo Home Mortgage as to the progress of a solution. \nI only receive letters that state we ( WFHM ) are working on a solution. \nThank you, XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": My case # XXXX would like an update from Wells Fargo Home Mortgage as to the progress of a solution. \nI only receive letters that state we ( WFHM ) are working on a solution. \nThank you, XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Collection practices are unethical. Collection agency does not care about the client 's needs. I have tried countless times for Westlake Financial Services to Rectify my situation. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Collection practices are unethical. Collection agency does not care about the client 's needs. I have tried countless times for Westlake Financial Services to Rectify my situation. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"On XXXX XXXX, 2015, I requested by phone, my free annual credit reports from all XXXX credit reporting agencies. It was indicated that it would take fifteen ( 15 ) days to receive my reports. As of today, I have only received XXXX ( XXXX ) report, which is from Experian. \n","text":"Company chooses not to provide a public response","context":": On XXXX XXXX, 2015, I requested by phone, my free annual credit reports from all XXXX credit reporting agencies. It was indicated that it would take fifteen ( 15 ) days to receive my reports. As of today, I have only received XXXX ( XXXX ) report, which is from Experian. \n : Company chooses not to provide a public response"},{"Question":"Bank of America refuses to add beneficiary to accounts for attorney-in-fact presenting duly registered North Carolina durable power of attorney. \n","text":"Company chooses not to provide a public response","context":": Bank of America refuses to add beneficiary to accounts for attorney-in-fact presenting duly registered North Carolina durable power of attorney. \n : Company chooses not to provide a public response"},{"Question":"The debt belongs to my son and they refuse to remove it from my credit bureau information \n","text":"Company can't verify or dispute the facts in the complaint","context":": The debt belongs to my son and they refuse to remove it from my credit bureau information \n : Company can't verify or dispute the facts in the complaint"},{"Question":"USBank has changed the benefits of their Club Carlson Visa. When I submitted my credit card application, XXXX of the benefits was a free night when redeeming points for XXXX night. This benefit has been removed effective XXXX XXXX, 2015. \n","text":"Company chooses not to provide a public response","context":": USBank has changed the benefits of their Club Carlson Visa. When I submitted my credit card application, XXXX of the benefits was a free night when redeeming points for XXXX night. This benefit has been removed effective XXXX XXXX, 2015. \n : Company chooses not to provide a public response"},{"Question":"Please read : XXXX XXXX 's review of XXXX and XXXX Collections Agency Representative XXXX XXXX of Cohen, Roberts & Associates, LLC. Please find the link below and I would also like to submit email correspondence chains from both XXXX and XXXX XXXX. \n\nXXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Please read : XXXX XXXX 's review of XXXX and XXXX Collections Agency Representative XXXX XXXX of Cohen, Roberts & Associates, LLC. Please find the link below and I would also like to submit email correspondence chains from both XXXX and XXXX XXXX. \n\nXXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Med-1Solutions, LLC is charging me for a bill that is not correct and was billed under the wrong health insurance. I do not owe a fee of {$69.00}. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Med-1Solutions, LLC is charging me for a bill that is not correct and was billed under the wrong health insurance. I do not owe a fee of {$69.00}. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I owe XXXX XXXX XXXX A total of XXXX dollars and h and have been paying XXXX monthy but they will not remove th the collection from my account. been paying for around 2 years. \n","text":"Company chooses not to provide a public response","context":": I owe XXXX XXXX XXXX A total of XXXX dollars and h and have been paying XXXX monthy but they will not remove th the collection from my account. been paying for around 2 years. \n : Company chooses not to provide a public response"},{"Question":"I sent Experian a written dispute on XXXX different occasions by certified mail. The only response received was a letter saying that Experian thought it was a suspicious request. \n","text":"Company chooses not to provide a public response","context":": I sent Experian a written dispute on XXXX different occasions by certified mail. The only response received was a letter saying that Experian thought it was a suspicious request. \n : Company chooses not to provide a public response"},{"Question":"I had auto insurance through XXXX XXXX and canceled XXXX years ago, and now this credit collections company says I owe them money and are trying to collect. I do not owe this company money and would like them to stop sending me letters and calling!! \n","text":"Company can't verify or dispute the facts in the complaint","context":": I had auto insurance through XXXX XXXX and canceled XXXX years ago, and now this credit collections company says I owe them money and are trying to collect. I do not owe this company money and would like them to stop sending me letters and calling!! \n : Company can't verify or dispute the facts in the complaint"},{"Question":"On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all XXXX credit report agencies. It was indicated that it would take fifteen ( XXXX ) days to receive my reports. As of today, I have not received any reports or corresondence. \n","text":"Company chooses not to provide a public response","context":": On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all XXXX credit report agencies. It was indicated that it would take fifteen ( XXXX ) days to receive my reports. As of today, I have not received any reports or corresondence. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I filed Chapter XXXX bankruptcy. \n","text":"Company chooses not to provide a public response","context":": I filed Chapter XXXX bankruptcy. \n : Company chooses not to provide a public response"},{"Question":"Spoke to company to have letter sent on terms to pay off debt, agreed to amount and to have debt removed from credit report. No letter ever recieved with terms. Have money to pay, but letter to do so. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Spoke to company to have letter sent on terms to pay off debt, agreed to amount and to have debt removed from credit report. No letter ever recieved with terms. Have money to pay, but letter to do so. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I continue to get automated calls to my work cell phone non-stop from CMRE. I have asked several times for CRME to stop calling my work cell phone and send all inquiries by mail, they refuse to do so. \n","text":"Company chooses not to provide a public response","context":": I continue to get automated calls to my work cell phone non-stop from CMRE. I have asked several times for CRME to stop calling my work cell phone and send all inquiries by mail, they refuse to do so. \n : Company chooses not to provide a public response"},{"Question":"several incorrect spelling of last nameincorrect addressXXXX account in collections which is no longer or in existence ... this account comes up on XXXX credit reports and does not show on Equifax only my current XXXX bill. \n","text":"Company chooses not to provide a public response","context":": several incorrect spelling of last nameincorrect addressXXXX account in collections which is no longer or in existence ... this account comes up on XXXX credit reports and does not show on Equifax only my current XXXX bill. \n : Company chooses not to provide a public response"},{"Question":"They sent my debt to another collector and I paid them but they still have me in collections but I have no account with them. \n","text":"Company chooses not to provide a public response","context":": They sent my debt to another collector and I paid them but they still have me in collections but I have no account with them. \n : Company chooses not to provide a public response"},{"Question":"I have disputed this XXXX times. I did n't sign for this item bought online. \n","text":"Company chooses not to provide a public response","context":": I have disputed this XXXX times. I did n't sign for this item bought online. \n : Company chooses not to provide a public response"},{"Question":"I want the XXXX accounts with XXXX XXXX to be removed. \n","text":"Company chooses not to provide a public response","context":": I want the XXXX accounts with XXXX XXXX to be removed. \n : Company chooses not to provide a public response"},{"Question":"Debt being reported as an open collection despite the fact the debt was included in bankruptcy. Company was notified XXXX XXXX, 2014 of this fact and was provided case number an copy of filing which included this debt in the bankruptcy proceedings. \n","text":"Company chooses not to provide a public response","context":": Debt being reported as an open collection despite the fact the debt was included in bankruptcy. Company was notified XXXX XXXX, 2014 of this fact and was provided case number an copy of filing which included this debt in the bankruptcy proceedings. \n : Company chooses not to provide a public response"},{"Question":"I have been a victim of fraud and I want to stop the money from going thru. \n","text":"Company chooses not to provide a public response","context":": I have been a victim of fraud and I want to stop the money from going thru. \n : Company chooses not to provide a public response"},{"Question":"PennCredit contacted me about a debt in XX\/XX\/XXXX. I sent a letter ( attached ) disputing the debt, They never responded in any way. I just received the same letter ( XX\/XX\/XXXX ) from them about the same debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": PennCredit contacted me about a debt in XX\/XX\/XXXX. I sent a letter ( attached ) disputing the debt, They never responded in any way. I just received the same letter ( XX\/XX\/XXXX ) from them about the same debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Transunion has negative account items listed on my credit report from XXXX XXXX, XXXX XXXX, and XXXX. These accounts are not mine. I do not owe these companies any money. \n","text":"Company chooses not to provide a public response","context":": Transunion has negative account items listed on my credit report from XXXX XXXX, XXXX XXXX, and XXXX. These accounts are not mine. I do not owe these companies any money. \n : Company chooses not to provide a public response"},{"Question":"I paid off XXXX credit cards in full XXXX month. XXXX XXXX Bank and XXXX Citicard. Citicard is attempting to charge me interest this month while XXXX Bank is not. Is this legal? I paid XXXX days prior to the due date. \n","text":"Company chooses not to provide a public response","context":": I paid off XXXX credit cards in full XXXX month. XXXX XXXX Bank and XXXX Citicard. Citicard is attempting to charge me interest this month while XXXX Bank is not. Is this legal? I paid XXXX days prior to the due date. \n : Company chooses not to provide a public response"},{"Question":"Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"These company 's make it to difficult to obtain a credit report with the questions they ask \n","text":"Company chooses not to provide a public response","context":": These company 's make it to difficult to obtain a credit report with the questions they ask \n : Company chooses not to provide a public response"},{"Question":"Sears Visa Credit Card charged me XXXX indicating that I did not pay my bill for the month of XXXX 2015 \n","text":"Company chooses not to provide a public response","context":": Sears Visa Credit Card charged me XXXX indicating that I did not pay my bill for the month of XXXX 2015 \n : Company chooses not to provide a public response"},{"Question":"i was paying my mortage on time through in my cradit report XX\/XX\/XXXX XX\/XX\/XXXX mark as x mean unknown. as wel fromXXXX XXXX toXXXX XXXX.can u please make these period ok as it should. \n","text":"Company chooses not to provide a public response","context":": i was paying my mortage on time through in my cradit report XX\/XX\/XXXX XX\/XX\/XXXX mark as x mean unknown. as wel fromXXXX XXXX toXXXX XXXX.can u please make these period ok as it should. \n : Company chooses not to provide a public response"},{"Question":"I went through the online process to get my credit reports. Ireceived the report from Experian but when I started the processto download the XXXX report, I lost connectivity with the websitewebsite. How do I access my request again. Thanks \n","text":"Company chooses not to provide a public response","context":": I went through the online process to get my credit reports. Ireceived the report from Experian but when I started the processto download the XXXX report, I lost connectivity with the websitewebsite. How do I access my request again. Thanks \n : Company chooses not to provide a public response"},{"Question":"I have been getting calls and emails from Receivables Performance Management for a XXXX bill of {$80.00}. I have never received a letter in writing regarding this debt. They also reported this to my credit report as delinquent. I found out about this bill via my credit report \n","text":"Company chooses not to provide a public response","context":": I have been getting calls and emails from Receivables Performance Management for a XXXX bill of {$80.00}. I have never received a letter in writing regarding this debt. They also reported this to my credit report as delinquent. I found out about this bill via my credit report \n : Company chooses not to provide a public response"},{"Question":"Was not notified about annual fee and late fee occurred \n","text":"Company chooses not to provide a public response","context":": Was not notified about annual fee and late fee occurred \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"TransUnion is inaccurately and incompletely reporting credit history for my mortgage with XXXX XXXX. I have asked that this be corrected on numerous occasions without corrections being made. \nSee Attached letter to TransUnion. \n","text":"Company chooses not to provide a public response","context":": TransUnion is inaccurately and incompletely reporting credit history for my mortgage with XXXX XXXX. I have asked that this be corrected on numerous occasions without corrections being made. \nSee Attached letter to TransUnion. \n : Company chooses not to provide a public response"},{"Question":"There are a lot of items on my credit that doesnt belong to me. They have names that i have never went by. Also they are the XXXX party collection agency and they dont have the orignal documents. And i feel that these items should be remove off my credit. \n","text":"Company chooses not to provide a public response","context":": There are a lot of items on my credit that doesnt belong to me. They have names that i have never went by. Also they are the XXXX party collection agency and they dont have the orignal documents. And i feel that these items should be remove off my credit. \n : Company chooses not to provide a public response"},{"Question":"These debts are from XX\/XX\/XXXX or XX\/XX\/XXXX. Should n't they have fallen off my credit report by now? \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": These debts are from XX\/XX\/XXXX or XX\/XX\/XXXX. Should n't they have fallen off my credit report by now? \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"my wallet was stolen along time ago and now im receiving a letter stating I owe a banking institution this is not me \n","text":"Company chooses not to provide a public response","context":": my wallet was stolen along time ago and now im receiving a letter stating I owe a banking institution this is not me \n : Company chooses not to provide a public response"},{"Question":"TRANSUNION WILL NOT ALLOW ME A FULL FILE DISCOLUSE AND THEY ARE PURPOSELY NOT COMPLYING WITH THE FCBA AND REPORTING THE XXXX XXXX XXXX ACCOUNT AS IN DISPUTE INSTEAD PUBLISHING FRAUDULENT ACCOUNT INFORMATION, THEY HAVE MIXED MY FILE \n","text":"Company chooses not to provide a public response","context":": TRANSUNION WILL NOT ALLOW ME A FULL FILE DISCOLUSE AND THEY ARE PURPOSELY NOT COMPLYING WITH THE FCBA AND REPORTING THE XXXX XXXX XXXX ACCOUNT AS IN DISPUTE INSTEAD PUBLISHING FRAUDULENT ACCOUNT INFORMATION, THEY HAVE MIXED MY FILE \n : Company chooses not to provide a public response"},{"Question":"BANK OF AMERICA HAS NUMEROUS FRAUD TRANSACTIONS ON MY XXXX ACCOUNT AND WILL NOT RECOGINSE PAYMENTS LARGE ONES I MADE. I HAVE DISPUTED PER FCBA AND WILL NOT COMPLY WITH THE ACT. THEY HAVE IGNORED AND STOLEN XXXX IN PAYMENTS. AND REPORTING FRAUD INFORMAITON \n","text":"Company chooses not to provide a public response","context":": BANK OF AMERICA HAS NUMEROUS FRAUD TRANSACTIONS ON MY XXXX ACCOUNT AND WILL NOT RECOGINSE PAYMENTS LARGE ONES I MADE. I HAVE DISPUTED PER FCBA AND WILL NOT COMPLY WITH THE ACT. THEY HAVE IGNORED AND STOLEN XXXX IN PAYMENTS. AND REPORTING FRAUD INFORMAITON \n : Company chooses not to provide a public response"},{"Question":"SUNTRUST BANK HAS PULLED A COPY IMPERMISSIBLY FROM MY CREDIT REPORT ON XXXX XXXX AND XXXX. THEY ARE REPORTING AS XXXX XXXX XXXX THAT IS NOT MY NAME AND AS SUCH MIXED MY FILE WITH ANOTHER. I WANT THE INQUIRIES REMOVED IMMEDIATELY \n","text":"Company chooses not to provide a public response","context":": SUNTRUST BANK HAS PULLED A COPY IMPERMISSIBLY FROM MY CREDIT REPORT ON XXXX XXXX AND XXXX. THEY ARE REPORTING AS XXXX XXXX XXXX THAT IS NOT MY NAME AND AS SUCH MIXED MY FILE WITH ANOTHER. I WANT THE INQUIRIES REMOVED IMMEDIATELY \n : Company chooses not to provide a public response"},{"Question":"BBT HAS ILLEGAL RECIEVED A COPY OF MY XXXX AND XXXX CREDIT REPORT FOR A PURPORTED VECHILE LOAN I NEVER APPLIED FOR, LISTING XXXX XXXX XXXX USING MY SSN NUMBER AND RUINING MY CREDIT REPORT AND CAUSING A MIXED FILE I WANT THE RECTIFICATION IMMEDIETLY \n","text":"Company chooses not to provide a public response","context":": BBT HAS ILLEGAL RECIEVED A COPY OF MY XXXX AND XXXX CREDIT REPORT FOR A PURPORTED VECHILE LOAN I NEVER APPLIED FOR, LISTING XXXX XXXX XXXX USING MY SSN NUMBER AND RUINING MY CREDIT REPORT AND CAUSING A MIXED FILE I WANT THE RECTIFICATION IMMEDIETLY \n : Company chooses not to provide a public response"},{"Question":"FIA is reporting a balance that is fraudulent and has arbitrary instead of removing the fraud transactions closed my account, this has caused me great harm and as such to put mildly the final straw \n","text":"Company chooses not to provide a public response","context":": FIA is reporting a balance that is fraudulent and has arbitrary instead of removing the fraud transactions closed my account, this has caused me great harm and as such to put mildly the final straw \n : Company chooses not to provide a public response"},{"Question":"GMAC ALLY BANK HAS FRAUDULENT RUN A APPLICATION FOR A VECHILE LOAN UNDER MY NAME AND SOCIAL, CAUSING A MIXED FILE UNDER THE NAME OF XXXX XXXX XXXX. I NEVER APPLIED FOR SUCH FINANCING AND WANT THIS REMOVED ASAP. \n","text":"Company chooses not to provide a public response","context":": GMAC ALLY BANK HAS FRAUDULENT RUN A APPLICATION FOR A VECHILE LOAN UNDER MY NAME AND SOCIAL, CAUSING A MIXED FILE UNDER THE NAME OF XXXX XXXX XXXX. I NEVER APPLIED FOR SUCH FINANCING AND WANT THIS REMOVED ASAP. \n : Company chooses not to provide a public response"},{"Question":"I HAVE NO CLUE WHO THIS BANK IS BUT REPORTED AS XXXX ON A FRAUD AUTO LOAN I WANT THE INQURIY REMOVED ALONG WITH STATEMENT TO XXXX XXXX AND XXXX TO SUPRESS ANY INQUIRY THEY HAVE MIXED MY FILE UNDER FALSE NAMES \n","text":"Company chooses not to provide a public response","context":": I HAVE NO CLUE WHO THIS BANK IS BUT REPORTED AS XXXX ON A FRAUD AUTO LOAN I WANT THE INQURIY REMOVED ALONG WITH STATEMENT TO XXXX XXXX AND XXXX TO SUPRESS ANY INQUIRY THEY HAVE MIXED MY FILE UNDER FALSE NAMES \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Bill paid by insurance please remove this from my credit report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Bill paid by insurance please remove this from my credit report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Focus Receivables Management keeps calling my home phone. I have no delinquent debt to be collected. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Focus Receivables Management keeps calling my home phone. I have no delinquent debt to be collected. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Am receiving multiple phone calls from a collection agency looking for someone with my last name, but not my first, for a debt that is not mine. The person they are looking for has never been listed in my address, nor phone number. \n","text":"Company chooses not to provide a public response","context":": Am receiving multiple phone calls from a collection agency looking for someone with my last name, but not my first, for a debt that is not mine. The person they are looking for has never been listed in my address, nor phone number. \n : Company chooses not to provide a public response"},{"Question":"Company continues to negatively I pact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX to do with me or agree to validate supposed debt \n","text":"Company chooses not to provide a public response","context":": Company continues to negatively I pact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX to do with me or agree to validate supposed debt \n : Company chooses not to provide a public response"},{"Question":"The students loans I owed for college are paid off in full. My credit report states that I have different student loans, but all were paid. XXXX University in XXXX confirmed they are all paid. \n","text":"Company chooses not to provide a public response","context":": The students loans I owed for college are paid off in full. My credit report states that I have different student loans, but all were paid. XXXX University in XXXX confirmed they are all paid. \n : Company chooses not to provide a public response"},{"Question":"Creditor never made contact, or attempted to give billing information so I could pay this debt. I never got a bill, was never told the account would go to collections, and the collection agency never provided information pretaining to the debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Creditor never made contact, or attempted to give billing information so I could pay this debt. I never got a bill, was never told the account would go to collections, and the collection agency never provided information pretaining to the debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"i have had no knowledge of debt with enhanced recovery corp or XXXX. I am requesting that they either provide me with an original copy of cell phone contract or remove there collection account ( s ) from all of my credit reports. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i have had no knowledge of debt with enhanced recovery corp or XXXX. I am requesting that they either provide me with an original copy of cell phone contract or remove there collection account ( s ) from all of my credit reports. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Company continues to negatively impact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX nothing to do with me or agree to validate supposed debt \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Company continues to negatively impact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX nothing to do with me or agree to validate supposed debt \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have spoken to Bank of American concerning this paid account several times. Last year they told me it would be removed. It is a charge off which is incorrect. I am applying for a mortgage and need it removed. This has been on my credit bureau since 2010? \n\nXXXX XXXXXXXXXXXX \n","text":"Company chooses not to provide a public response","context":": I have spoken to Bank of American concerning this paid account several times. Last year they told me it would be removed. It is a charge off which is incorrect. I am applying for a mortgage and need it removed. This has been on my credit bureau since 2010? \n\nXXXX XXXXXXXXXXXX \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX # XXXX****This information has been re-inserted and re-aged. Please Delete. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX # XXXX****This information has been re-inserted and re-aged. Please Delete. \n : Company chooses not to provide a public response"},{"Question":"Was called many times and threatened that they were going to call my employer and take me to Court if I did resolve this matter over the phone. That went on for five months, now they have sent me a letter Saying I have XXXX days to respond. \n","text":"Company disputes the facts presented in the complaint","context":": Was called many times and threatened that they were going to call my employer and take me to Court if I did resolve this matter over the phone. That went on for five months, now they have sent me a letter Saying I have XXXX days to respond. \n : Company disputes the facts presented in the complaint"},{"Question":"Electric company ( XXXX XXXX ) turned account over to debt collection agency for refusal to pay portion of my bill that resulted from utility theft\/charges being placed on my account that I was not responsible for. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Electric company ( XXXX XXXX ) turned account over to debt collection agency for refusal to pay portion of my bill that resulted from utility theft\/charges being placed on my account that I was not responsible for. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Bank of America has tried to collect on a Home Equity Line in 2013. After we inquired about the \" Justice Department Settlement '' they sold the loan to XXXX who is now trying again to collect. \n","text":"Company chooses not to provide a public response","context":": Bank of America has tried to collect on a Home Equity Line in 2013. After we inquired about the \" Justice Department Settlement '' they sold the loan to XXXX who is now trying again to collect. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I noticed on my credit report that it shows I have applied for credit accounts and cards. I have not applied for any credit in more than ten years. I have not authorized anyone to view my credit report. \n","text":"Company chooses not to provide a public response","context":": I noticed on my credit report that it shows I have applied for credit accounts and cards. I have not applied for any credit in more than ten years. I have not authorized anyone to view my credit report. \n : Company chooses not to provide a public response"},{"Question":"could n't pay its charged off \n","text":"Company chooses not to provide a public response","context":": could n't pay its charged off \n : Company chooses not to provide a public response"},{"Question":"I received a gift card last year that has an expiration date of XX\/XX\/2015. My understand of federal law is that it can not expire for at least 5 years. The issuing bank is refusing to re-issue me a non-expired card. \n","text":"Company chooses not to provide a public response","context":": I received a gift card last year that has an expiration date of XX\/XX\/2015. My understand of federal law is that it can not expire for at least 5 years. The issuing bank is refusing to re-issue me a non-expired card. \n : Company chooses not to provide a public response"},{"Question":"Closed a Bank of America credit card on XXXX\/XXXX\/15. Bank allowed a charge to be placed on a closed credit card on XXXX\/XXXX\/15. I can not believe that this is legal or allowed. \n","text":"Company chooses not to provide a public response","context":": Closed a Bank of America credit card on XXXX\/XXXX\/15. Bank allowed a charge to be placed on a closed credit card on XXXX\/XXXX\/15. I can not believe that this is legal or allowed. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My friend XXXX XXXX XXXX has been receiving repeated calls from continental financial they called him this morning at XXXX not saying nothing and breathing in the phone \n","text":"Company chooses not to provide a public response","context":": My friend XXXX XXXX XXXX has been receiving repeated calls from continental financial they called him this morning at XXXX not saying nothing and breathing in the phone \n : Company chooses not to provide a public response"},{"Question":"I did n't take a loan for XXXX. From this college. I only took XXXX classes and those classes did n't cost XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I did n't take a loan for XXXX. From this college. I only took XXXX classes and those classes did n't cost XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"We got screwed over by Wells Fargo. We won the lawsuit & got a settlement. This is so unfair to still be on our credit report! We have been paying higher interest rates since. Going on five years! We would like this off our credit report! \n","text":"Company chooses not to provide a public response","context":": We got screwed over by Wells Fargo. We won the lawsuit & got a settlement. This is so unfair to still be on our credit report! We have been paying higher interest rates since. Going on five years! We would like this off our credit report! \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I have a paid state tax lien on my Experian credit report that should be removed. Attached is a letter from the State of Georgia with explicit instructions to cancel from record. Please remove this entry from my Experian credit report to adhere to the Fair Credit Reporting Act. \n","text":"Company chooses not to provide a public response","context":": I have a paid state tax lien on my Experian credit report that should be removed. Attached is a letter from the State of Georgia with explicit instructions to cancel from record. Please remove this entry from my Experian credit report to adhere to the Fair Credit Reporting Act. \n : Company chooses not to provide a public response"},{"Question":"THIS IS NOT A DUPLICATE CLAIM. BLOOMINGDALE 'S CITIBANK HAS DENIED SEVERAL FRAUD \/ IDENTITY THEFT CLAIMS. PLESE SEE ATTACHED DOCUMENTS. I HAVE MADE MORE THAN XXXX ( XXXX ) REQUESTS FOR ACTIONS TO BE RESOLVED. NOTHING TO DATE HAS BEEN REMEDIED. \n","text":"Company chooses not to provide a public response","context":": THIS IS NOT A DUPLICATE CLAIM. BLOOMINGDALE 'S CITIBANK HAS DENIED SEVERAL FRAUD \/ IDENTITY THEFT CLAIMS. PLESE SEE ATTACHED DOCUMENTS. I HAVE MADE MORE THAN XXXX ( XXXX ) REQUESTS FOR ACTIONS TO BE RESOLVED. NOTHING TO DATE HAS BEEN REMEDIED. \n : Company chooses not to provide a public response"},{"Question":"XXXX is usurping RESPA Guideline and spending large amounts of money in marketing to the Realtor community. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX is usurping RESPA Guideline and spending large amounts of money in marketing to the Realtor community. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am unable to get loan approval because XXXX XXXX XXXX \/ account number XXXX is showing the verbiage \" Account Information Disputed by Consumer ''. I am not disputing this account and demand that the statement be removed from my credit file ASAP. \n","text":"Company chooses not to provide a public response","context":": I am unable to get loan approval because XXXX XXXX XXXX \/ account number XXXX is showing the verbiage \" Account Information Disputed by Consumer ''. I am not disputing this account and demand that the statement be removed from my credit file ASAP. \n : Company chooses not to provide a public response"},{"Question":"I have signed up for US bank Business Visa for XXXX XXXX which as their main benefit offered XXXX night free on all awards. The fee is {$65.00}. I would like the refund of my fee, because they discontinued this benefit. US bank refuses for unknown reason. \n","text":"Company chooses not to provide a public response","context":": I have signed up for US bank Business Visa for XXXX XXXX which as their main benefit offered XXXX night free on all awards. The fee is {$65.00}. I would like the refund of my fee, because they discontinued this benefit. US bank refuses for unknown reason. \n : Company chooses not to provide a public response"},{"Question":"I have signed up for US bank Visa for XXXX XXXX which as their main benefit offered XXXX night free on all awards. The fee is {$75.00}. I would like the refund of my fee, because they discontinued this benefit. US bank refuses. \n","text":"Company chooses not to provide a public response","context":": I have signed up for US bank Visa for XXXX XXXX which as their main benefit offered XXXX night free on all awards. The fee is {$75.00}. I would like the refund of my fee, because they discontinued this benefit. US bank refuses. \n : Company chooses not to provide a public response"},{"Question":"I am being denied a current XX\/XX\/XXXX QWR response, which was sent certified and signed as received by an employee of Nationwide Advantage Mortgage Company. I want to see the after effects of my information, the XX\/XX\/XXXX QWR first request. \n","text":"Company disputes the facts presented in the complaint","context":": I am being denied a current XX\/XX\/XXXX QWR response, which was sent certified and signed as received by an employee of Nationwide Advantage Mortgage Company. I want to see the after effects of my information, the XX\/XX\/XXXX QWR first request. \n : Company disputes the facts presented in the complaint"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I purchased a pair of XXXX XXXX boots from XXXX XXXX XXXX through Paypal on XXXX\/XXXX\/15. The boots were {$550.00} plus a {$25.00} shipping fee but I never received the item. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I purchased a pair of XXXX XXXX boots from XXXX XXXX XXXX through Paypal on XXXX\/XXXX\/15. The boots were {$550.00} plus a {$25.00} shipping fee but I never received the item. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation \n","text":"Company chooses not to provide a public response","context":": I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation \n : Company chooses not to provide a public response"},{"Question":"I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation \n","text":"Company disputes the facts presented in the complaint","context":": I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation \n : Company disputes the facts presented in the complaint"},{"Question":"Experian continues to report a delinquency from XXXX XXXX XXXX although Ihave disputed this, it is more than six years old and Experian continues to penalize my credit score with this item \n","text":"Company chooses not to provide a public response","context":": Experian continues to report a delinquency from XXXX XXXX XXXX although Ihave disputed this, it is more than six years old and Experian continues to penalize my credit score with this item \n : Company chooses not to provide a public response"},{"Question":"I filed a complaint against Enhanced Recovery company 3 months ago and still nothing is being done to correct my credit file. Please advice me on the status of this account. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I filed a complaint against Enhanced Recovery company 3 months ago and still nothing is being done to correct my credit file. Please advice me on the status of this account. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have been repeatedly harrassed by NCAC. I have had XXXX call with them, including XXXX today, to cease and desist their collection efforts. They continue to call me after I have instructed them not to do so. I want this action on their part to cease. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have been repeatedly harrassed by NCAC. I have had XXXX call with them, including XXXX today, to cease and desist their collection efforts. They continue to call me after I have instructed them not to do so. I want this action on their part to cease. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Sps will not send me valuable information that I 've requested thet keep giving me the run around please help me save my home \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Sps will not send me valuable information that I 've requested thet keep giving me the run around please help me save my home \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"i attended XXXX in XXXX, and used Genesis loan services, and would like to know if my loan was part of the XXXX settlement dispute, \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": i attended XXXX in XXXX, and used Genesis loan services, and would like to know if my loan was part of the XXXX settlement dispute, \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"PayPal charged XXXX small fees to my bank account because I registered this bank account with PayPal to make payments to them. \n","text":"Company disputes the facts presented in the complaint","context":": PayPal charged XXXX small fees to my bank account because I registered this bank account with PayPal to make payments to them. \n : Company disputes the facts presented in the complaint"},{"Question":"Experian continues to post a public record that does not belong to me, they shows it as remaining, and have not followed up with the XXXX County Record of Deed, they do not have a tax lien for me. \n","text":"Company chooses not to provide a public response","context":": Experian continues to post a public record that does not belong to me, they shows it as remaining, and have not followed up with the XXXX County Record of Deed, they do not have a tax lien for me. \n : Company chooses not to provide a public response"},{"Question":"I have disputed with Experian regarding the accounts on my credit report & they havent remove the negatives accounts thats not mine yet. Im a victim of Identity theft, and Experian is reporting inaccurate information. \n","text":"Company chooses not to provide a public response","context":": I have disputed with Experian regarding the accounts on my credit report & they havent remove the negatives accounts thats not mine yet. Im a victim of Identity theft, and Experian is reporting inaccurate information. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"this is the third party is call me threatening me if i do n't pay will take me to jail.\/or they reported to credit bureau. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": this is the third party is call me threatening me if i do n't pay will take me to jail.\/or they reported to credit bureau. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Calls coming about every other day. Sometimes no XXXX answers, other times tape says something about student loan debt. I never had a student loan. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Calls coming about every other day. Sometimes no XXXX answers, other times tape says something about student loan debt. I never had a student loan. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Received a mailer with bogus information and quite illegal according to required state guidelines. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Received a mailer with bogus information and quite illegal according to required state guidelines. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Contacted place of employment after I explained I am not allowed calls. Personal or Business. Left message on my work voicemail. \n","text":"Company chooses not to provide a public response","context":": Contacted place of employment after I explained I am not allowed calls. Personal or Business. Left message on my work voicemail. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Bank of America charging me for late payments when they are not late. and hurting my credit \n","text":"Company chooses not to provide a public response","context":": Bank of America charging me for late payments when they are not late. and hurting my credit \n : Company chooses not to provide a public response"},{"Question":"It appears I do not exist in the TransUnion credit reporting system, I do not have a TransUnion score, I do not have a TransUnion report, and I can not access any information from TransUnion via annualcreditreport.com, nor can I access any information from TransUnion itself. \n","text":"Company chooses not to provide a public response","context":": It appears I do not exist in the TransUnion credit reporting system, I do not have a TransUnion score, I do not have a TransUnion report, and I can not access any information from TransUnion via annualcreditreport.com, nor can I access any information from TransUnion itself. \n : Company chooses not to provide a public response"},{"Question":"There are several issue, experian have deleted account in good standing to ruin my credit history, rei aerated previously deleted informations, improperly shared my formatin with collection law firm which requested nformation has nothing to do with employment or extending credit \n","text":"Company chooses not to provide a public response","context":": There are several issue, experian have deleted account in good standing to ruin my credit history, rei aerated previously deleted informations, improperly shared my formatin with collection law firm which requested nformation has nothing to do with employment or extending credit \n : Company chooses not to provide a public response"},{"Question":"I do not owe a XXXX account. The Tv service I had for the suppose time of period was from a local tv provider, XXXX PR. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I do not owe a XXXX account. The Tv service I had for the suppose time of period was from a local tv provider, XXXX PR. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Experian deleted a paid off school loan it always reported to illegally lower my credit score \n","text":"Company chooses not to provide a public response","context":": Experian deleted a paid off school loan it always reported to illegally lower my credit score \n : Company chooses not to provide a public response"},{"Question":"Acct closed under Chp XXXX bankruptcy in XXXX\/XXXX\/09 Bank of America. \n","text":"Company chooses not to provide a public response","context":": Acct closed under Chp XXXX bankruptcy in XXXX\/XXXX\/09 Bank of America. \n : Company chooses not to provide a public response"},{"Question":"acct closed under CHP XXXX bankruptcy and still showing on my XXXX reports. \n","text":"Company chooses not to provide a public response","context":": acct closed under CHP XXXX bankruptcy and still showing on my XXXX reports. \n : Company chooses not to provide a public response"},{"Question":"Acct closed under CHPXXXX Bankruptcy and still showing under my XXXX credits reports. \n","text":"Company chooses not to provide a public response","context":": Acct closed under CHPXXXX Bankruptcy and still showing under my XXXX credits reports. \n : Company chooses not to provide a public response"},{"Question":"acct closed with XXXX balance due and still showing under my XXXX credits bureaus was also included under chapter XXXX bankruptcy. please removed this acct. \n","text":"Company chooses not to provide a public response","context":": acct closed with XXXX balance due and still showing under my XXXX credits bureaus was also included under chapter XXXX bankruptcy. please removed this acct. \n : Company chooses not to provide a public response"},{"Question":"Dispute of Charges -- Offer of {$100.00} credit for applying for Citi credit card account on XXXX XXXX website is not being honored. \n","text":"Company chooses not to provide a public response","context":": Dispute of Charges -- Offer of {$100.00} credit for applying for Citi credit card account on XXXX XXXX website is not being honored. \n : Company chooses not to provide a public response"},{"Question":"Called me trying to scare me on debt. Did not even respond to what company they are working for and also threaten to drop off legal papers. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Called me trying to scare me on debt. Did not even respond to what company they are working for and also threaten to drop off legal papers. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"On XXXX XXXX, 2015 Transunion had removed XXXX from my credit report as of today XXXX XXXX, 2015 it was added back to my credit report \n","text":"Company chooses not to provide a public response","context":": On XXXX XXXX, 2015 Transunion had removed XXXX from my credit report as of today XXXX XXXX, 2015 it was added back to my credit report \n : Company chooses not to provide a public response"},{"Question":"On Friday XXXX XXXX Credit Acceptace Corp called and left XXXX messages and then called again and talked to me live. Payment came due on XXXX XXXX and is not even late fee until XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": On Friday XXXX XXXX Credit Acceptace Corp called and left XXXX messages and then called again and talked to me live. Payment came due on XXXX XXXX and is not even late fee until XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"Everything on my Credit is 10 years old or more and it 's stoping me for getting a house Experian need to get that old stuff off my Credit before i sue them \n","text":"Company chooses not to provide a public response","context":": Everything on my Credit is 10 years old or more and it 's stoping me for getting a house Experian need to get that old stuff off my Credit before i sue them \n : Company chooses not to provide a public response"},{"Question":"I submitted online disputes and im supposed to recieve a corrected copy but when I request my report from all three credit monitoring services im told i already recieved my annual report and i have not recieved anything to date \n","text":"Company chooses not to provide a public response","context":": I submitted online disputes and im supposed to recieve a corrected copy but when I request my report from all three credit monitoring services im told i already recieved my annual report and i have not recieved anything to date \n : Company chooses not to provide a public response"},{"Question":"I have been paying on my accounts with XXXX and the agreement has been to remove the items after they have been paid and on some of my reports this has yet to happen especially months after the accounts were paid. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have been paying on my accounts with XXXX and the agreement has been to remove the items after they have been paid and on some of my reports this has yet to happen especially months after the accounts were paid. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have made continous payments toward my XXXX XXXX account and the agreement was to have these items removed and they were not. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have made continous payments toward my XXXX XXXX account and the agreement was to have these items removed and they were not. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I 'm victim of identity teiff and I reach out to this company but they still want me to pay for it. \n","text":"Company disputes the facts presented in the complaint","context":": I 'm victim of identity teiff and I reach out to this company but they still want me to pay for it. \n : Company disputes the facts presented in the complaint"},{"Question":"I had a joint account at Bank of America and they let the other party close the account without my knowledge. \n","text":"Company chooses not to provide a public response","context":": I had a joint account at Bank of America and they let the other party close the account without my knowledge. \n : Company chooses not to provide a public response"},{"Question":"I 'm receiving letters from Pressler and Pressler claiming to represent XXXX XXXX XXXX services. They claim that it 's a subpoena and ordering me to state my finances. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I 'm receiving letters from Pressler and Pressler claiming to represent XXXX XXXX XXXX services. They claim that it 's a subpoena and ordering me to state my finances. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I 'm receiving letters from XXXX and XXXX claiming to represent New Century Financial services. They claim that it 's a subpoena and ordering me to state my finances. \n","text":"Company chooses not to provide a public response","context":": I 'm receiving letters from XXXX and XXXX claiming to represent New Century Financial services. They claim that it 's a subpoena and ordering me to state my finances. \n : Company chooses not to provide a public response"},{"Question":"I ask them to correct information on my credit reports from all XXXX bureaus and they have failed to do so. I had a car loan from CNAC in XXXX, WI and they sold a false claim to them in the amount owed by me. \n","text":"Company believes complaint represents an opportunity for improvement to better serve consumers","context":": I ask them to correct information on my credit reports from all XXXX bureaus and they have failed to do so. I had a car loan from CNAC in XXXX, WI and they sold a false claim to them in the amount owed by me. \n : Company believes complaint represents an opportunity for improvement to better serve consumers"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Money and Checks were laundered, embezzled by Bank of America, on a Student account held by BOA at XXXX in NM in association to a student loan over payment. \n","text":"Company chooses not to provide a public response","context":": Money and Checks were laundered, embezzled by Bank of America, on a Student account held by BOA at XXXX in NM in association to a student loan over payment. \n : Company chooses not to provide a public response"},{"Question":"Usaa Bank is always putting holds on my funds on purpose so they can collect nsf fees and I 'm tired of it ... .. They have also rejected payments of my bills when I had the money in my account \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Usaa Bank is always putting holds on my funds on purpose so they can collect nsf fees and I 'm tired of it ... .. They have also rejected payments of my bills when I had the money in my account \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I disputed late payments with Transunion, submitted proof to them directly from the company that my payments were not late and Transunion has repeatedly refused to update my credit file to!! \n","text":"Company chooses not to provide a public response","context":": I disputed late payments with Transunion, submitted proof to them directly from the company that my payments were not late and Transunion has repeatedly refused to update my credit file to!! \n : Company chooses not to provide a public response"},{"Question":"I THINK IM A VITIM OF FRAUD I WAS IN XXXX FROM XXXX AND I CANT GET MY CREDIT REPORT. MY EMAIL address is XXXXXXXXXXXX and my phone number is XXXX \n","text":"Company chooses not to provide a public response","context":": I THINK IM A VITIM OF FRAUD I WAS IN XXXX FROM XXXX AND I CANT GET MY CREDIT REPORT. MY EMAIL address is XXXXXXXXXXXX and my phone number is XXXX \n : Company chooses not to provide a public response"},{"Question":"I was turned down for credit by XXXX c\/c companies. When I tried to obtain my free credit report because of the denial, XXXX said I had already received my free credit report for the year. I thought you could get a report each time you were denied credit, but am I wrong? thanks. \n","text":"Company chooses not to provide a public response","context":": I was turned down for credit by XXXX c\/c companies. When I tried to obtain my free credit report because of the denial, XXXX said I had already received my free credit report for the year. I thought you could get a report each time you were denied credit, but am I wrong? thanks. \n : Company chooses not to provide a public response"},{"Question":"I had a phone for awhile they were charging for things I did n't want. They cut me off and popped up on my credit reports. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I had a phone for awhile they were charging for things I did n't want. They cut me off and popped up on my credit reports. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I married my wife and took all the proper documents down to child support agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine! \n","text":"Company chooses not to provide a public response","context":": I married my wife and took all the proper documents down to child support agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine! \n : Company chooses not to provide a public response"},{"Question":"THIS DEBT WAS PAID AND IS STILL SHOWING UP AS A NEGATIVE MARK ON MY CREDIT REPORT I WILL BE REPORTING AS A FAIR DEBT ISSUE TO THE TRADE COMMISSION. \n","text":"Company chooses not to provide a public response","context":": THIS DEBT WAS PAID AND IS STILL SHOWING UP AS A NEGATIVE MARK ON MY CREDIT REPORT I WILL BE REPORTING AS A FAIR DEBT ISSUE TO THE TRADE COMMISSION. \n : Company chooses not to provide a public response"},{"Question":"I have a debt from First National collection that I am not aware of and it looks like fraud. I do not have XXXX and never opened an account. I have moved from the XXXX in XX\/XX\/XXXX and lived at a friend on XXXX in XXXX from XX\/XX\/XXXX to XX\/XX\/XXXX. \n\nXXXX XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have a debt from First National collection that I am not aware of and it looks like fraud. I do not have XXXX and never opened an account. I have moved from the XXXX in XX\/XX\/XXXX and lived at a friend on XXXX in XXXX from XX\/XX\/XXXX to XX\/XX\/XXXX. \n\nXXXX XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have a tax lien on my Experian credit report, lien does not appear on any other report. \n","text":"Company chooses not to provide a public response","context":": I have a tax lien on my Experian credit report, lien does not appear on any other report. \n : Company chooses not to provide a public response"},{"Question":"Harris & Harris XXXX XXXX XXXX XXXX, Illinois XXXXPhone Number : XXXX continually call my phone every morning. I have informed Harris & Harris that this debt is included in Bankruptcy that was file XXXX\/XXXX\/2014. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Harris & Harris XXXX XXXX XXXX XXXX, Illinois XXXXPhone Number : XXXX continually call my phone every morning. I have informed Harris & Harris that this debt is included in Bankruptcy that was file XXXX\/XXXX\/2014. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Receiving daily phone calls to collect debt for XXXX XXXX ( not sure on spelling ). Phone call asks to press XXXX to confirm you are this person since I do not know this person and it is a different last name I just hang up the call but calls continue to come every day. \n","text":"Company chooses not to provide a public response","context":": Receiving daily phone calls to collect debt for XXXX XXXX ( not sure on spelling ). Phone call asks to press XXXX to confirm you are this person since I do not know this person and it is a different last name I just hang up the call but calls continue to come every day. \n : Company chooses not to provide a public response"},{"Question":"I mailed Ally On XXXX XXXX asking for validation of the debt as per The Fair Debt Collection Practices Act. They have not responded \n","text":"Company chooses not to provide a public response","context":": I mailed Ally On XXXX XXXX asking for validation of the debt as per The Fair Debt Collection Practices Act. They have not responded \n : Company chooses not to provide a public response"},{"Question":"I am unaware of this debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am unaware of this debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Thank you. I have no idea what XXXX or XXXX is. \nXXXX Georgia. XXXXThank you \n","text":"Company chooses not to provide a public response","context":": Thank you. I have no idea what XXXX or XXXX is. \nXXXX Georgia. XXXXThank you \n : Company chooses not to provide a public response"},{"Question":"Original loan amount was XXXX, now I owe over XXXX, none of my payments go to the balance and I am now unable to pay at all after having a death in the family. I don't want to have to claim bankruptcy over this one stupid decision.","text":"Company chooses not to provide a public response","context":": Original loan amount was XXXX, now I owe over XXXX, none of my payments go to the balance and I am now unable to pay at all after having a death in the family. I don't want to have to claim bankruptcy over this one stupid decision. : Company chooses not to provide a public response"},{"Question":"I wrote XXXX debt validation letters to Enhanced Recovery and they failed to respond to be. They ignored my requests for validation. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I wrote XXXX debt validation letters to Enhanced Recovery and they failed to respond to be. They ignored my requests for validation. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Genesis loan servicing no longer has any correct contact information i can not call them in contact of my loan \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Genesis loan servicing no longer has any correct contact information i can not call them in contact of my loan \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX Acct. number Please attach additional pages to file. \nXXXX is another communication from the Bank stating that the XXXX wasnt presented until the XX\/XX\/XXXX. Also is another transaction list, which shows that I was charged overdraft fees while in the positive. \n","text":"Company chooses not to provide a public response","context":": XXXX Acct. number Please attach additional pages to file. \nXXXX is another communication from the Bank stating that the XXXX wasnt presented until the XX\/XX\/XXXX. Also is another transaction list, which shows that I was charged overdraft fees while in the positive. \n : Company chooses not to provide a public response"},{"Question":"This company is located in XXXX, XXXX. They keep calling me from a number XXXX, which is an XXXX, XXXX area code, and where they do NOT have an office. I have dealings in XXXX, so I answer it. This is very deceptive. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This company is located in XXXX, XXXX. They keep calling me from a number XXXX, which is an XXXX, XXXX area code, and where they do NOT have an office. I have dealings in XXXX, so I answer it. This is very deceptive. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"These companies, unknown to me, requested my personal credit and insurance information without my knowledge : XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX ON XXXX XXXXDBA : XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX, MO XXXX XXXX on : XXXX\/XXXX\/2014 \n","text":"Company chooses not to provide a public response","context":": These companies, unknown to me, requested my personal credit and insurance information without my knowledge : XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX ON XXXX XXXXDBA : XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX, MO XXXX XXXX on : XXXX\/XXXX\/2014 \n : Company chooses not to provide a public response"},{"Question":"This company has continued to report the referenced collection account on my credit report, while failing to provide me with proper validation that I request from them in mailed correspondence dated XX\/XX\/2015. This is a flagrant violation of the FDCPA \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This company has continued to report the referenced collection account on my credit report, while failing to provide me with proper validation that I request from them in mailed correspondence dated XX\/XX\/2015. This is a flagrant violation of the FDCPA \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I got a call from XXXX. Saying they had to verify my address because some \" legal documentation was being sent '' I did some research about this number, and I believe its a scam. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I got a call from XXXX. Saying they had to verify my address because some \" legal documentation was being sent '' I did some research about this number, and I believe its a scam. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Bank has my money on hold and wo n't release it. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Bank has my money on hold and wo n't release it. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Mortgage company refuses to take stop foreclosure to allow borrower to modify loan. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Mortgage company refuses to take stop foreclosure to allow borrower to modify loan. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am told I will hear for bank of america and do not, in the numerous times I have been promised. \n","text":"Company chooses not to provide a public response","context":": I am told I will hear for bank of america and do not, in the numerous times I have been promised. \n : Company chooses not to provide a public response"},{"Question":"US Bank removed the following feature from the terms of service after I paid an annual fee, specifically for this and other features. \n\" Bonus Award Night - Redeem XXXX for XXXX or more consecutive Award Nights and the last night is free. Exclusively for cardmembers. \n","text":"Company chooses not to provide a public response","context":": US Bank removed the following feature from the terms of service after I paid an annual fee, specifically for this and other features. \n\" Bonus Award Night - Redeem XXXX for XXXX or more consecutive Award Nights and the last night is free. Exclusively for cardmembers. \n : Company chooses not to provide a public response"},{"Question":"Fraudulent activity is reporting on my credit report from Experian, listing a joint account for an automobile from XXXX XXXX. This was part of identity theft I was victim of, and after exhausting all options, Expieran still reports this account on my credit report. \n","text":"Company chooses not to provide a public response","context":": Fraudulent activity is reporting on my credit report from Experian, listing a joint account for an automobile from XXXX XXXX. This was part of identity theft I was victim of, and after exhausting all options, Expieran still reports this account on my credit report. \n : Company chooses not to provide a public response"},{"Question":"Calls non-stop. Call work which can get me in trouble. Calls friends and relatives also with out any regard. Calls under many numbers with many names. Never leaves messages or any details. Possible fraud or scam. \n","text":"Company disputes the facts presented in the complaint","context":": Calls non-stop. Call work which can get me in trouble. Calls friends and relatives also with out any regard. Calls under many numbers with many names. Never leaves messages or any details. Possible fraud or scam. \n : Company disputes the facts presented in the complaint"},{"Question":"Regions Mortgage is reporting my mortgage incorrectly to the credit bureau.","text":"Company chooses not to provide a public response","context":": Regions Mortgage is reporting my mortgage incorrectly to the credit bureau. : Company chooses not to provide a public response"},{"Question":"They keep robo dialing, and refuse to leave messages or tell me who they are representing. They wo n't send me notices in the mail, to verify who they are. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They keep robo dialing, and refuse to leave messages or tell me who they are representing. They wo n't send me notices in the mail, to verify who they are. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I happened to check my credit report today and to my surprise, i noted some activities on my credit showing different addresses and phone numbers that i never lived on nor had about. I realized that my credit was compromised and my name was in collection agency. \n","text":"Company chooses not to provide a public response","context":": I happened to check my credit report today and to my surprise, i noted some activities on my credit showing different addresses and phone numbers that i never lived on nor had about. I realized that my credit was compromised and my name was in collection agency. \n : Company chooses not to provide a public response"},{"Question":"I have been getting up to XXXX calls a day from RPM Collections. Sometimes there is background music, sometimes NOTHING. \n","text":"Company chooses not to provide a public response","context":": I have been getting up to XXXX calls a day from RPM Collections. Sometimes there is background music, sometimes NOTHING. \n : Company chooses not to provide a public response"},{"Question":"Company filed for judgement and the garnished my bank account without notifiying me of the orignal debt, court procedings or intenet to garnish my bank account. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Company filed for judgement and the garnished my bank account without notifiying me of the orignal debt, court procedings or intenet to garnish my bank account. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Collector did not respond to debt validation request \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Collector did not respond to debt validation request \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I receive multiple phone calls from Focus Receivables Management daily, but I do not owe any debts. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I receive multiple phone calls from Focus Receivables Management daily, but I do not owe any debts. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"This company took {$180.00} fom my checking account on XXXX XXXX, 2015 and the full balance of {$880.00} on XXXX XXXX, 2015. They are refusing the refund the {$180.00}. \n","text":"Company believes complaint is the result of an isolated error","context":": This company took {$180.00} fom my checking account on XXXX XXXX, 2015 and the full balance of {$880.00} on XXXX XXXX, 2015. They are refusing the refund the {$180.00}. \n : Company believes complaint is the result of an isolated error"},{"Question":"I wanted the correct information listed on my credit report as being paid off on my XXXX. Instead the agency deleted it from my report. And still has the defaulted student loans that I no longer have on my credit. \n","text":"Company chooses not to provide a public response","context":": I wanted the correct information listed on my credit report as being paid off on my XXXX. Instead the agency deleted it from my report. And still has the defaulted student loans that I no longer have on my credit. \n : Company chooses not to provide a public response"},{"Question":"Asked for validation of debts and Financial Recoveries does not respond. \n","text":"Company disputes the facts presented in the complaint","context":": Asked for validation of debts and Financial Recoveries does not respond. \n : Company disputes the facts presented in the complaint"},{"Question":"we has a bankruptcy that was discharged in 2006, however it continues to show on our credit report. We need this removed immediately. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": we has a bankruptcy that was discharged in 2006, however it continues to show on our credit report. We need this removed immediately. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"ALL XXXX AGENCIES ( EXPERIAN, XXXX, XXXX ) ARE GIVING ME THE RUN AROUND SAYING I HAVE ALREADY RECEIVED MY REPORTS, WHICH I HAVE NOT..THIS IS THE SECOND YEAR IN A ROW..THERE IS NO WHERE ON THE REPORT REQUEST TO DISPUTE IT OR FIND OUT WHATS GOING ON \n","text":"Company chooses not to provide a public response","context":": ALL XXXX AGENCIES ( EXPERIAN, XXXX, XXXX ) ARE GIVING ME THE RUN AROUND SAYING I HAVE ALREADY RECEIVED MY REPORTS, WHICH I HAVE NOT..THIS IS THE SECOND YEAR IN A ROW..THERE IS NO WHERE ON THE REPORT REQUEST TO DISPUTE IT OR FIND OUT WHATS GOING ON \n : Company chooses not to provide a public response"},{"Question":"XXXX transferred my foreclosure account to BSI and XXXX are reporting on my credit reports. BSI is reporting the BK chXXXX as a foreclosure. They refuse to make corrections. The Bk is 4 years old. \n","text":"Company believes complaint is the result of an isolated error","context":": XXXX transferred my foreclosure account to BSI and XXXX are reporting on my credit reports. BSI is reporting the BK chXXXX as a foreclosure. They refuse to make corrections. The Bk is 4 years old. \n : Company believes complaint is the result of an isolated error"},{"Question":"My credit report stated that i had loans that i never got. \n","text":"Company chooses not to provide a public response","context":": My credit report stated that i had loans that i never got. \n : Company chooses not to provide a public response"},{"Question":"Terms are inconsistent with original contract for payment and balance and inconsistencies with the legality of loan reporting. \n","text":"Company chooses not to provide a public response","context":": Terms are inconsistent with original contract for payment and balance and inconsistencies with the legality of loan reporting. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX Bank, Maryland ... \n\nCASHNET Payday loan keeps deducting more then XXXX payment from my bank account! \n","text":"Company disputes the facts presented in the complaint","context":": XXXX XXXX XXXX Bank, Maryland ... \n\nCASHNET Payday loan keeps deducting more then XXXX payment from my bank account! \n : Company disputes the facts presented in the complaint"},{"Question":"I was notified by my XXXX at XXXX that Senex reported a debt as unpaid to XXXX on XXXX XXXX, 2015. They did not mail me a notice to dispute before they did it. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was notified by my XXXX at XXXX that Senex reported a debt as unpaid to XXXX on XXXX XXXX, 2015. They did not mail me a notice to dispute before they did it. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have no idea why I have this. I have had insurance and it all should of been covered under it! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have no idea why I have this. I have had insurance and it all should of been covered under it! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"It 's been more than 7 years my ex did allot of damages to my XXXX score. Never filed bankrupt and they keep changing dates, amount due and selling off to another debt collector. Is this legal. It 's been more than 7 years. \n","text":"Company chooses not to provide a public response","context":": It 's been more than 7 years my ex did allot of damages to my XXXX score. Never filed bankrupt and they keep changing dates, amount due and selling off to another debt collector. Is this legal. It 's been more than 7 years. \n : Company chooses not to provide a public response"},{"Question":"I do n't know why this company keeps calling me because I do n't owe any one, I pay my bills every month!!! I want the calls to stop and for them to take it off my credit report, I do n't think that they should have it on there \n","text":"Company can't verify or dispute the facts in the complaint","context":": I do n't know why this company keeps calling me because I do n't owe any one, I pay my bills every month!!! I want the calls to stop and for them to take it off my credit report, I do n't think that they should have it on there \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I do n't know how I got fooled by Trans Union 's website into agreeing to their credit reporting service. I am a somewhat sophisticated computer user but they still got me. Their web site needs to be fixed, to be more straightforward. \nXXXX XXXX XXXX XXXX XXXX # XXXX CA XXXX \n","text":"Company chooses not to provide a public response","context":": I do n't know how I got fooled by Trans Union 's website into agreeing to their credit reporting service. I am a somewhat sophisticated computer user but they still got me. Their web site needs to be fixed, to be more straightforward. \nXXXX XXXX XXXX XXXX XXXX # XXXX CA XXXX \n : Company chooses not to provide a public response"},{"Question":"I 've been trying to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refusing to adjust after, numerous email, calls and letters. \n","text":"Company chooses not to provide a public response","context":": I 've been trying to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refusing to adjust after, numerous email, calls and letters. \n : Company chooses not to provide a public response"},{"Question":"The company is CCS companies calling my place of employment to collect a debt. I do not want them calling my place of employment at XXXX, XXXX XXXX Government. My name is XXXX XXXX and can reach me at XXXX. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": The company is CCS companies calling my place of employment to collect a debt. I do not want them calling my place of employment at XXXX, XXXX XXXX Government. My name is XXXX XXXX and can reach me at XXXX. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Re : Unauthorized Credit Inquiry I did not authorized the following company to do a credit check. \n","text":"Company chooses not to provide a public response","context":": Re : Unauthorized Credit Inquiry I did not authorized the following company to do a credit check. \n : Company chooses not to provide a public response"},{"Question":"I paid my debt to XXXX consumer agency and now there are XXXX other agencies trying to collect on the same debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I paid my debt to XXXX consumer agency and now there are XXXX other agencies trying to collect on the same debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was late last month, and charged a {$35.00} because the payment arrived after the closing date. \nThe payment was for {$750.00}, payment was credited to my next statement along with a pand to my surprise a late fee for {$35.00}!!! \n","text":"Company chooses not to provide a public response","context":": I was late last month, and charged a {$35.00} because the payment arrived after the closing date. \nThe payment was for {$750.00}, payment was credited to my next statement along with a pand to my surprise a late fee for {$35.00}!!! \n : Company chooses not to provide a public response"},{"Question":"The company calls me all the time about a XXXX XXXX, whom I do n't know and never heard of him trying to collect a debt. \n","text":"Company can't verify or dispute the facts in the complaint","context":": The company calls me all the time about a XXXX XXXX, whom I do n't know and never heard of him trying to collect a debt. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I paid on my car loan for XXXX years on time. I lost my job and I communicated that to the lender of my car loan. They were not willing to work with me so my car was repossessed. I was expected to pay the balance of the loan and not the missed payments. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I paid on my car loan for XXXX years on time. I lost my job and I communicated that to the lender of my car loan. They were not willing to work with me so my car was repossessed. I was expected to pay the balance of the loan and not the missed payments. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have sent this place a letter asking for them to stop harassing me because they have the wrong person. they went and put it on my report I guess because they think they have the right person that they can do that. I need it to stop \n","text":"Company disputes the facts presented in the complaint","context":": I have sent this place a letter asking for them to stop harassing me because they have the wrong person. they went and put it on my report I guess because they think they have the right person that they can do that. I need it to stop \n : Company disputes the facts presented in the complaint"},{"Question":"trans union and XXXX I could n't get my credit reports. my XXXX report I recieved but not the others \n","text":"Company chooses not to provide a public response","context":": trans union and XXXX I could n't get my credit reports. my XXXX report I recieved but not the others \n : Company chooses not to provide a public response"},{"Question":"I tried to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refusing to adjust after, numerous email, calls and letters. They chose not too and I eventually canceled my card even after stating I would due to their non-complience \n","text":"Company chooses not to provide a public response","context":": I tried to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refusing to adjust after, numerous email, calls and letters. They chose not too and I eventually canceled my card even after stating I would due to their non-complience \n : Company chooses not to provide a public response"},{"Question":"I keep getting getting a call from this company every day and they never leave a message, and I 'm unable to call them back and find out what they want or who they 're looking for. A message comes up that this number can not be reached. I want these calls stopped. \n","text":"Company chooses not to provide a public response","context":": I keep getting getting a call from this company every day and they never leave a message, and I 'm unable to call them back and find out what they want or who they 're looking for. A message comes up that this number can not be reached. I want these calls stopped. \n : Company chooses not to provide a public response"},{"Question":"This has been paid and has been verified with the original crediting company. \n","text":"Company disputes the facts presented in the complaint","context":": This has been paid and has been verified with the original crediting company. \n : Company disputes the facts presented in the complaint"},{"Question":"XXXX apartments XXXX XXXX Texas - Sent XXXX different amounts within a month, none of them in regards to my contract - made accusations that are not true \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX apartments XXXX XXXX Texas - Sent XXXX different amounts within a month, none of them in regards to my contract - made accusations that are not true \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received a credit card statement from BankAmericard mailed to my home for a card that I do NOT have and NEVER have had. I have called them and written directly to BankAmericard without any success in resolving this issue. \n","text":"Company chooses not to provide a public response","context":": I received a credit card statement from BankAmericard mailed to my home for a card that I do NOT have and NEVER have had. I have called them and written directly to BankAmericard without any success in resolving this issue. \n : Company chooses not to provide a public response"},{"Question":"My credit report shows late payments for a BMW I purchased in XX\/XX\/XXXX and sold in XX\/XX\/XXXX. I never made a late payment on the vehicle and elitist like to dispute this. I tried to submit a report via Transunion but never got a response. \n","text":"Company chooses not to provide a public response","context":": My credit report shows late payments for a BMW I purchased in XX\/XX\/XXXX and sold in XX\/XX\/XXXX. I never made a late payment on the vehicle and elitist like to dispute this. I tried to submit a report via Transunion but never got a response. \n : Company chooses not to provide a public response"},{"Question":"The lease was up and I disputed that with the collection agency and also ask for them to provide me proof of the debt and lease. They have not done so since the original dispute. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The lease was up and I disputed that with the collection agency and also ask for them to provide me proof of the debt and lease. They have not done so since the original dispute. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have disputed information on my credit report about an unpaid bill from XXXX. XXXX has failed to provide proof of the bill, but the report is still on my credit report. \n","text":"Company chooses not to provide a public response","context":": I have disputed information on my credit report about an unpaid bill from XXXX. XXXX has failed to provide proof of the bill, but the report is still on my credit report. \n : Company chooses not to provide a public response"},{"Question":"SunTrust has committed multiple violations of the mortgage servicing rules in regards to an application for a modification made on behalf of my client. Those violations are described in detail in the attached documents. \n\nXXXX XXXX, XXXX \n","text":"Company chooses not to provide a public response","context":": SunTrust has committed multiple violations of the mortgage servicing rules in regards to an application for a modification made on behalf of my client. Those violations are described in detail in the attached documents. \n\nXXXX XXXX, XXXX \n : Company chooses not to provide a public response"},{"Question":"every single day I receive a robo-call in XXXX and XXXX for the past 4 months from an unknown debt collection agency called Commonwealth Financial Systems at XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": every single day I receive a robo-call in XXXX and XXXX for the past 4 months from an unknown debt collection agency called Commonwealth Financial Systems at XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They keep calling me everyday even weekends and leaving me messages to call them back. Call them back they have automated systems \n","text":"Company believes the complaint is the result of a misunderstanding","context":": They keep calling me everyday even weekends and leaving me messages to call them back. Call them back they have automated systems \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I went to www.XXXX.com and filled out the online form. But I did n't receive a report from them. \n","text":"Company chooses not to provide a public response","context":": I went to www.XXXX.com and filled out the online form. But I did n't receive a report from them. \n : Company chooses not to provide a public response"},{"Question":"In XXXX 2015 I requested an annual credit report from Experian, XXXX, and XXXX. To this day I have not received a report. I would like to know the next step to take \n","text":"Company chooses not to provide a public response","context":": In XXXX 2015 I requested an annual credit report from Experian, XXXX, and XXXX. To this day I have not received a report. I would like to know the next step to take \n : Company chooses not to provide a public response"},{"Question":"I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. \nAttached are bank statement copies for each month reporting late for XXXX showing I paid on time. \n","text":"Company chooses not to provide a public response","context":": I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. \nAttached are bank statement copies for each month reporting late for XXXX showing I paid on time. \n : Company chooses not to provide a public response"},{"Question":"I have already sent XXXX letters to the company in question. They have yet to comply with either XXXX. They keep calling and bothering me about some account that I know is not mine because I have never heard of this place. \n","text":"Company chooses not to provide a public response","context":": I have already sent XXXX letters to the company in question. They have yet to comply with either XXXX. They keep calling and bothering me about some account that I know is not mine because I have never heard of this place. \n : Company chooses not to provide a public response"},{"Question":"HOW DO COMPANIES MIX UP PEOPLE AND CLAIM THAT AN ACCOUNT IS YOURS WHEN I KNOW I HAVE NEVER HAD AN ACCOUNT WITH THE COMPANY THAT THEY ARE TALKING ABOUT. THIS IS NOT MY DEBT AND I NEED THEM TO LEAVE ME ALONE!!! \n","text":"Company can't verify or dispute the facts in the complaint","context":": HOW DO COMPANIES MIX UP PEOPLE AND CLAIM THAT AN ACCOUNT IS YOURS WHEN I KNOW I HAVE NEVER HAD AN ACCOUNT WITH THE COMPANY THAT THEY ARE TALKING ABOUT. THIS IS NOT MY DEBT AND I NEED THEM TO LEAVE ME ALONE!!! \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I sent out letters to experian XXXX to delet the accounts that is inaccurate they Experian sent XXXX letters regarding the accounts also updated copy of the reprorts never sent. Letters sent to them. \n","text":"Company chooses not to provide a public response","context":": I sent out letters to experian XXXX to delet the accounts that is inaccurate they Experian sent XXXX letters regarding the accounts also updated copy of the reprorts never sent. Letters sent to them. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I received a collection letter from American Medial Collection Agency for XXXX. Already explained that at the time of the service paid my percentage and the insurance covered the balance. They are still insisting for me to pay. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received a collection letter from American Medial Collection Agency for XXXX. Already explained that at the time of the service paid my percentage and the insurance covered the balance. They are still insisting for me to pay. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have been a Citibank gold customer for 40 yrs . They always\nincluded my mortgage toward they required balance needed for gold XXXX\nstatus. Recently they changed that policy and now I'm being charged for\nfor my checking accts and any little thing I need done. I don't think is \nfair.","text":"Company chooses not to provide a public response","context":": I have been a Citibank gold customer for 40 yrs . They always\nincluded my mortgage toward they required balance needed for gold XXXX\nstatus. Recently they changed that policy and now I'm being charged for\nfor my checking accts and any little thing I need done. I don't think is \nfair. : Company chooses not to provide a public response"},{"Question":"I received a claim form in reference to IQ data international. The company was requesting a change of address, telephone number and name. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received a claim form in reference to IQ data international. The company was requesting a change of address, telephone number and name. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Credit indebtedness had been satisfied and yet the credit card companies are reluctant to remove or change the status of my credit report. \n","text":"Company chooses not to provide a public response","context":": Credit indebtedness had been satisfied and yet the credit card companies are reluctant to remove or change the status of my credit report. \n : Company chooses not to provide a public response"},{"Question":"XXXX has attempted to collect on a debt that is past the statute of limitations. They said they could put it back on my credit report, although it is no longer showing. \n","text":"Company believes complaint represents an opportunity for improvement to better serve consumers","context":": XXXX has attempted to collect on a debt that is past the statute of limitations. They said they could put it back on my credit report, although it is no longer showing. \n : Company believes complaint represents an opportunity for improvement to better serve consumers"},{"Question":"could not get free credit report from Experian. \n","text":"Company chooses not to provide a public response","context":": could not get free credit report from Experian. \n : Company chooses not to provide a public response"},{"Question":"I keep getting phone calls from XXXX XXXX XXXX. I want them to stop. \n\nXXXX shows they areXXXX XXXX ATTORNEY AT LAW XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX : XXXXXXXXXXXX : XXXX : XXXX : XXXX : XXXX? XXXX \n","text":"Company can't verify or dispute the facts in the complaint","context":": I keep getting phone calls from XXXX XXXX XXXX. I want them to stop. \n\nXXXX shows they areXXXX XXXX ATTORNEY AT LAW XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX : XXXXXXXXXXXX : XXXX : XXXX : XXXX : XXXX? XXXX \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Received a letter from Stoneleigh Recovery Associates LLC and trying to collect the balance due for XXXX that has been resolved for so many years ago. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Received a letter from Stoneleigh Recovery Associates LLC and trying to collect the balance due for XXXX that has been resolved for so many years ago. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Bank of America fails to fill out balances in the interest rate charges portion of their statements. Interest rates and promotional dates are listed, but all balances are {$0.00}. You can not determine which portion of the balance is subject to the promotional rate. \n","text":"Company chooses not to provide a public response","context":": Bank of America fails to fill out balances in the interest rate charges portion of their statements. Interest rates and promotional dates are listed, but all balances are {$0.00}. You can not determine which portion of the balance is subject to the promotional rate. \n : Company chooses not to provide a public response"},{"Question":"My mother recently passed away and I was taking care of all her finances for the last XXXX years including the credit card. It was a dividend card. I paid the XXXX statement in full as all other statements and asked for the dividend XXXX check to be sent to her estate. They said no. \n","text":"Company chooses not to provide a public response","context":": My mother recently passed away and I was taking care of all her finances for the last XXXX years including the credit card. It was a dividend card. I paid the XXXX statement in full as all other statements and asked for the dividend XXXX check to be sent to her estate. They said no. \n : Company chooses not to provide a public response"},{"Question":"Re : Loan # XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. \nFor over 3 years Wells Fargo and its employees have denied our request for Loan Modification for a Bait and Switch Loan Modification provided to us on or about XXXX 2009 by underwrite XXXX XXXX. \nSee attached word Doc Complaint: \n","text":"Company chooses not to provide a public response","context":": Re : Loan # XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. \nFor over 3 years Wells Fargo and its employees have denied our request for Loan Modification for a Bait and Switch Loan Modification provided to us on or about XXXX 2009 by underwrite XXXX XXXX. \nSee attached word Doc Complaint: \n : Company chooses not to provide a public response"},{"Question":"The credit reporting agency 's keep putting my son 's debts on my credit report. Our name is the same except for the middle initial. That does not seem to make any difference to the reporting agencies. \n","text":"Company chooses not to provide a public response","context":": The credit reporting agency 's keep putting my son 's debts on my credit report. Our name is the same except for the middle initial. That does not seem to make any difference to the reporting agencies. \n : Company chooses not to provide a public response"},{"Question":"Although XXXX 's Hospital of Texas acknowledged receipt of my request that my dispute of their bill is under review, their collection agency, Financial Corporation of America, has sent me a bill. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Although XXXX 's Hospital of Texas acknowledged receipt of my request that my dispute of their bill is under review, their collection agency, Financial Corporation of America, has sent me a bill. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Citibank offers a yearly bonus of XXXX Elite Qualifying Miles on AAdvantage if you charge and pay more than {$40000.00} in a given year. In 2014 I exceeded that amount by almost 50 % yet they refuse to honor that bonus offer which, by the way, is still shown on their web site. \n","text":"Company chooses not to provide a public response","context":": Citibank offers a yearly bonus of XXXX Elite Qualifying Miles on AAdvantage if you charge and pay more than {$40000.00} in a given year. In 2014 I exceeded that amount by almost 50 % yet they refuse to honor that bonus offer which, by the way, is still shown on their web site. \n : Company chooses not to provide a public response"},{"Question":"There was Identity theft and fraud with accounts opened in my name without authorization and fraud activities on my checking account. Bank of America reported me to XXXX and held my liable even after I provided proof of the fraud and made claims repeatedly against the fraud \n","text":"Company chooses not to provide a public response","context":": There was Identity theft and fraud with accounts opened in my name without authorization and fraud activities on my checking account. Bank of America reported me to XXXX and held my liable even after I provided proof of the fraud and made claims repeatedly against the fraud \n : Company chooses not to provide a public response"},{"Question":"My name is XXXX XXXX. I had HELOC OVER 10 years ago which I paid and closed over 9 years ago. Wells Fargo failed to remove their name from the title and they are holding my closing. The buyer might walk away because of the hurdles by wells fargo. please help \n","text":"Company chooses not to provide a public response","context":": My name is XXXX XXXX. I had HELOC OVER 10 years ago which I paid and closed over 9 years ago. Wells Fargo failed to remove their name from the title and they are holding my closing. The buyer might walk away because of the hurdles by wells fargo. please help \n : Company chooses not to provide a public response"},{"Question":"IQ Data International Inc. claims that I owe them {$1900.00} and they have failed to prove validation of debt. There is also someone listed as a co-debtor and that person does not exist. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": IQ Data International Inc. claims that I owe them {$1900.00} and they have failed to prove validation of debt. There is also someone listed as a co-debtor and that person does not exist. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I became a victim of ID theft in 2012 when my Identity was compromised. I believe that XXXX ore more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX XXXX XXXX. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I became a victim of ID theft in 2012 when my Identity was compromised. I believe that XXXX ore more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX XXXX XXXX. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I would like a written explanation as to why I am being charged {$510.00}. \n","text":"Company chooses not to provide a public response","context":": I would like a written explanation as to why I am being charged {$510.00}. \n : Company chooses not to provide a public response"},{"Question":"I have never had any medical bills \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have never had any medical bills \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I did not have XXXX in XXXX 2011 \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I did not have XXXX in XXXX 2011 \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have a personal loan with One Main financial for {$4500.00} and my payment is {$140.00} monthly or {$71.00} bimonthly. Since XXXX\/XXXX\/2015 I 've made XXXX payments {$71.00} and my balance is still {$4500.00}. This has happen in the past with my loan. \n","text":"Company chooses not to provide a public response","context":": I have a personal loan with One Main financial for {$4500.00} and my payment is {$140.00} monthly or {$71.00} bimonthly. Since XXXX\/XXXX\/2015 I 've made XXXX payments {$71.00} and my balance is still {$4500.00}. This has happen in the past with my loan. \n : Company chooses not to provide a public response"},{"Question":"Barclay bank is reporting an account on my XXXX credit report that does n't not belong to me. The account number is listed as XXXX. I previously disputed this with the credit bureau, and it came back as verified. However, this account does not belong to me. \n","text":"Company chooses not to provide a public response","context":": Barclay bank is reporting an account on my XXXX credit report that does n't not belong to me. The account number is listed as XXXX. I previously disputed this with the credit bureau, and it came back as verified. However, this account does not belong to me. \n : Company chooses not to provide a public response"},{"Question":"There was a line of almost XXXX people and only XXXX XXXX working. \n","text":"Company chooses not to provide a public response","context":": There was a line of almost XXXX people and only XXXX XXXX working. \n : Company chooses not to provide a public response"},{"Question":"There are two XXXX accounts being incorrectly reported to Experian. The accounts were included in a Chapter XXXX Bankruptcy, but Experian is reporting late payments after the petition was filed. I have repeatedly disputed this item, but they continue to verify incorrect information. \n","text":"Company chooses not to provide a public response","context":": There are two XXXX accounts being incorrectly reported to Experian. The accounts were included in a Chapter XXXX Bankruptcy, but Experian is reporting late payments after the petition was filed. I have repeatedly disputed this item, but they continue to verify incorrect information. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX HIRED FMS, INC SKIP TRACING COMPANIES, AND COLLECTION AGENCIES TO COLLECT A DEBT FROM ME ON BEHALF OF MY XXXX BROTHER. CALLS, LETTERS AND VALIDATION IN VIOLATION OF TCPA, FDCPA FTC ... HAVE VIOCE AND WELL DOCUMENTED EVIDENCE. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX XXXX HIRED FMS, INC SKIP TRACING COMPANIES, AND COLLECTION AGENCIES TO COLLECT A DEBT FROM ME ON BEHALF OF MY XXXX BROTHER. CALLS, LETTERS AND VALIDATION IN VIOLATION OF TCPA, FDCPA FTC ... HAVE VIOCE AND WELL DOCUMENTED EVIDENCE. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Medical bill from when I was a teenager under my parents insurance. The medical facility billed me for it and reported it to the collection agency days after I turned XXXX. \n","text":"Company chooses not to provide a public response","context":": Medical bill from when I was a teenager under my parents insurance. The medical facility billed me for it and reported it to the collection agency days after I turned XXXX. \n : Company chooses not to provide a public response"},{"Question":"i had no knowledge of this debt until i saw it on my cerdit file. i paid it but i didnt ask or sign for any medical service. \n","text":"Company disputes the facts presented in the complaint","context":": i had no knowledge of this debt until i saw it on my cerdit file. i paid it but i didnt ask or sign for any medical service. \n : Company disputes the facts presented in the complaint"},{"Question":"A debt dating from XXXX has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file. \n","text":"Company chooses not to provide a public response","context":": A debt dating from XXXX has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file. \n : Company chooses not to provide a public response"},{"Question":"I have a private XXXX loan through Citibank. They are threatening to send my account to a collections agency, even though I am enrolled in school. \n","text":"Company chooses not to provide a public response","context":": I have a private XXXX loan through Citibank. They are threatening to send my account to a collections agency, even though I am enrolled in school. \n : Company chooses not to provide a public response"},{"Question":"I have an e-account with Bank of America. I was told that I would not be charge any fees. \nhowever every month I am being charged a $ XXXX monthly fee. \n\nI have called and visited the bank to take the fees off and they have done so. \nHowever since XXXX 2015 they have refused to do so. \n","text":"Company chooses not to provide a public response","context":": I have an e-account with Bank of America. I was told that I would not be charge any fees. \nhowever every month I am being charged a $ XXXX monthly fee. \n\nI have called and visited the bank to take the fees off and they have done so. \nHowever since XXXX 2015 they have refused to do so. \n : Company chooses not to provide a public response"},{"Question":"There are information on credit report that are over XXXX old.By law those should be remove. \n","text":"Company chooses not to provide a public response","context":": There are information on credit report that are over XXXX old.By law those should be remove. \n : Company chooses not to provide a public response"},{"Question":"XXXX IS REPORTING XXXX XXXX XXXXpursuant to FDCPA the reporting agency is required to provide WHO is reporting such information and their contact information that I may have them validate, absence of that information this must be removed from their reporting. \n","text":"Company chooses not to provide a public response","context":": XXXX IS REPORTING XXXX XXXX XXXXpursuant to FDCPA the reporting agency is required to provide WHO is reporting such information and their contact information that I may have them validate, absence of that information this must be removed from their reporting. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX SERVICING IS REPORTING AN ACCOUNT ON EXPERIAN CREDIT REPORT indicating that a mortagage was paid for and never late. This data was disputed with EXPERIAN without validation as per FDCPA. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX SERVICING IS REPORTING AN ACCOUNT ON EXPERIAN CREDIT REPORT indicating that a mortagage was paid for and never late. This data was disputed with EXPERIAN without validation as per FDCPA. \n : Company chooses not to provide a public response"},{"Question":"CREDIT REPORTING AGENCY REPORTING INFORMATION DISPUTED\/NOT VALIDATED pursuant to FDCPA this data must be removed absent the validation. \n","text":"Company chooses not to provide a public response","context":": CREDIT REPORTING AGENCY REPORTING INFORMATION DISPUTED\/NOT VALIDATED pursuant to FDCPA this data must be removed absent the validation. \n : Company chooses not to provide a public response"},{"Question":"A debt dating from 2006 has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file. \n","text":"Company chooses not to provide a public response","context":": A debt dating from 2006 has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file. \n : Company chooses not to provide a public response"},{"Question":"Past due on a payday loan and they are calling me while at work. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Past due on a payday loan and they are calling me while at work. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I recently discovered that someone has my social security number and has accessed my credit report. Her name is XXXX XXXX and she accessed my credit report sometime last fall. \n","text":"Company chooses not to provide a public response","context":": I recently discovered that someone has my social security number and has accessed my credit report. Her name is XXXX XXXX and she accessed my credit report sometime last fall. \n : Company chooses not to provide a public response"},{"Question":"Lending Tree is advertising a 3.75 % APR rate for a 30 year fixed mortgage on XXXX\/XXXX\/15. No lender through lending tree is offering this APR. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Lending Tree is advertising a 3.75 % APR rate for a 30 year fixed mortgage on XXXX\/XXXX\/15. No lender through lending tree is offering this APR. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company disputes the facts presented in the complaint","context":": 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 : Company disputes the facts presented in the complaint"},{"Question":"Please see the attached XXXX Page Scanned Document, which is self explanatory and yet to be responded by ASC. \n","text":"Company chooses not to provide a public response","context":": Please see the attached XXXX Page Scanned Document, which is self explanatory and yet to be responded by ASC. \n : Company chooses not to provide a public response"},{"Question":"I do n't know why these are on my credit score. \nThese are n't my debts \n","text":"Company chooses not to provide a public response","context":": I do n't know why these are on my credit score. \nThese are n't my debts \n : Company chooses not to provide a public response"},{"Question":"Bank of America keeps charging me late fees after many attempts to be able to pay online. I sit on hold and just get hung up after the techs can not figure out what 's going on forcing me to pay over the phone. \n","text":"Company chooses not to provide a public response","context":": Bank of America keeps charging me late fees after many attempts to be able to pay online. I sit on hold and just get hung up after the techs can not figure out what 's going on forcing me to pay over the phone. \n : Company chooses not to provide a public response"},{"Question":"I tried to access my credit report because I could not answer the security questions. XXXX was about a loan I never heard of and another about a new car that Ive never seen \n","text":"Company chooses not to provide a public response","context":": I tried to access my credit report because I could not answer the security questions. XXXX was about a loan I never heard of and another about a new car that Ive never seen \n : Company chooses not to provide a public response"},{"Question":"ally auto repos the vechile within XXXX month of being deliqent of XXXX car payments, after a month prior they agreed to put me in forbarance. The manger refused to listen to previous recorded calls unless requested by attorny. \n","text":"Company chooses not to provide a public response","context":": ally auto repos the vechile within XXXX month of being deliqent of XXXX car payments, after a month prior they agreed to put me in forbarance. The manger refused to listen to previous recorded calls unless requested by attorny. \n : Company chooses not to provide a public response"},{"Question":"TransUnion is reporting that I have foreclosure which I never had \n","text":"Company chooses not to provide a public response","context":": TransUnion is reporting that I have foreclosure which I never had \n : Company chooses not to provide a public response"},{"Question":"I 'm a victim of identity theft and the person open accounts in my name. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I 'm a victim of identity theft and the person open accounts in my name. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Experience is reporting that I have a foreclosure on my credit report which I never had \n","text":"Company chooses not to provide a public response","context":": Experience is reporting that I have a foreclosure on my credit report which I never had \n : Company chooses not to provide a public response"},{"Question":"For the XXXX time, McCarthy Burgess & Wolff is attempting to collect a debt on behalf of the XXXX XXXX XXXX that I do not owe. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": For the XXXX time, McCarthy Burgess & Wolff is attempting to collect a debt on behalf of the XXXX XXXX XXXX that I do not owe. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I had a {$0.00} balance on my Macy 's credit card and still received a bill for {$2.00}. Had I not checked ( assuming the bill was {$0.00} ) I would have missed a payment, negatively affecting my credit. \n","text":"Company chooses not to provide a public response","context":": I had a {$0.00} balance on my Macy 's credit card and still received a bill for {$2.00}. Had I not checked ( assuming the bill was {$0.00} ) I would have missed a payment, negatively affecting my credit. \n : Company chooses not to provide a public response"},{"Question":"In my credit report from XXXX XXXX requested by XXXX XXXX, an incorrect creditor showed up with a debt in the amount of {$22000.00}, by XXXX XXXX. This debt does not belong to me. I want an investigation and the same be eliminated from my report. \n","text":"Company chooses not to provide a public response","context":": In my credit report from XXXX XXXX requested by XXXX XXXX, an incorrect creditor showed up with a debt in the amount of {$22000.00}, by XXXX XXXX. This debt does not belong to me. I want an investigation and the same be eliminated from my report. \n : Company chooses not to provide a public response"},{"Question":"I am receiving phone calls from several different debt collectors and a mediation service alleging that I have a debt with a payday loan company. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am receiving phone calls from several different debt collectors and a mediation service alleging that I have a debt with a payday loan company. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Bank of America home loans has reported my short sale as a foreclosure. This is severely affecting my credit. I am unable to refinance my house. \n","text":"Company chooses not to provide a public response","context":": Bank of America home loans has reported my short sale as a foreclosure. This is severely affecting my credit. I am unable to refinance my house. \n : Company chooses not to provide a public response"},{"Question":"The tactics used by wells Fargo bank by placing holds on checks that freezes me from using my debit card and has mine account in over draft status. I have been with them for XXXX years and these are not standard banking policies. Thank you. \n","text":"Company chooses not to provide a public response","context":": The tactics used by wells Fargo bank by placing holds on checks that freezes me from using my debit card and has mine account in over draft status. I have been with them for XXXX years and these are not standard banking policies. Thank you. \n : Company chooses not to provide a public response"},{"Question":"I AM NOT ENTIRELY SURE WHO THESE PEOPLE ARE AND WHY THEY KEEP CALLING ME ALL THE TIME. I HAVE NEVER BEEN BEHIND ON ANY OF MY ACCOUNTS. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I AM NOT ENTIRELY SURE WHO THESE PEOPLE ARE AND WHY THEY KEEP CALLING ME ALL THE TIME. I HAVE NEVER BEEN BEHIND ON ANY OF MY ACCOUNTS. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Credit Report shows a XXXX XXXX XXXX started in 06. Balance of XXXX. Then sent toXXXX XXXX. Now XXXX. I never owned a XXXX XXXX account. \n","text":"Company chooses not to provide a public response","context":": Credit Report shows a XXXX XXXX XXXX started in 06. Balance of XXXX. Then sent toXXXX XXXX. Now XXXX. I never owned a XXXX XXXX account. \n : Company chooses not to provide a public response"},{"Question":"This bill is for rent on an apartment I lived in until XX\/XX\/XXXX. I paid the rent through XX\/XX\/XXXX. I am being billed for rent for the entire month of XX\/XX\/XXXX even though I had turned in a 30 day notice and did not live in the apartment during the month of XX\/XX\/XXXX. \n","text":"Company chooses not to provide a public response","context":": This bill is for rent on an apartment I lived in until XX\/XX\/XXXX. I paid the rent through XX\/XX\/XXXX. I am being billed for rent for the entire month of XX\/XX\/XXXX even though I had turned in a 30 day notice and did not live in the apartment during the month of XX\/XX\/XXXX. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX for ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ( formerly XXXX XXXX ) are listing my accounts as Charge Offs when these should have been discharged in Chapter XXXX Bankruptcy on XXXX\/XXXX\/2015. They need to correct all XXXX CRAS. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX for ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ( formerly XXXX XXXX ) are listing my accounts as Charge Offs when these should have been discharged in Chapter XXXX Bankruptcy on XXXX\/XXXX\/2015. They need to correct all XXXX CRAS. \n : Company chooses not to provide a public response"},{"Question":"Debt had been paid and to original debtor not this capsys, not sure how theyu report I owed them at all when bill was paid in full. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt had been paid and to original debtor not this capsys, not sure how theyu report I owed them at all when bill was paid in full. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They use a horrible robot-caller that is barely understandable. The robo-caller does n't connect you to a real person, but instead forces the contact to call back at a different number. \n","text":"Company chooses not to provide a public response","context":": They use a horrible robot-caller that is barely understandable. The robo-caller does n't connect you to a real person, but instead forces the contact to call back at a different number. \n : Company chooses not to provide a public response"},{"Question":"PayPal\/eBay are holding my funds. Neither company follow Reg CC hold procedures nor do they seem to care. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": PayPal\/eBay are holding my funds. Neither company follow Reg CC hold procedures nor do they seem to care. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Account was sold and still being reported as a charge off on my credit report. It is still showing on my credit report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Account was sold and still being reported as a charge off on my credit report. It is still showing on my credit report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"THIS COLLECTOR KEEPS CALL ME SKIP TRACING FOR XXXX XXXX, OR XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": THIS COLLECTOR KEEPS CALL ME SKIP TRACING FOR XXXX XXXX, OR XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"This is on my credit reports. I sent them a letter XX\/XX\/2015. They have ignored me. \n","text":"Company chooses not to provide a public response","context":": This is on my credit reports. I sent them a letter XX\/XX\/2015. They have ignored me. \n : Company chooses not to provide a public response"},{"Question":"\" XXXX '' stated he was a process server serving a law suit and to report to \" XXXX '' which is a phone number. He called me a load when i said that they cant serve papers over the phone. \n","text":"Company can't verify or dispute the facts in the complaint","context":": \" XXXX '' stated he was a process server serving a law suit and to report to \" XXXX '' which is a phone number. He called me a load when i said that they cant serve papers over the phone. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I had XXXX late payment so Citi card lowered my limit. The late payment could not be avoided. I am told that this is an illegal act. \n","text":"Company chooses not to provide a public response","context":": I had XXXX late payment so Citi card lowered my limit. The late payment could not be avoided. I am told that this is an illegal act. \n : Company chooses not to provide a public response"},{"Question":"Credit report shows I am XXXX, and I am not. \n","text":"Company chooses not to provide a public response","context":": Credit report shows I am XXXX, and I am not. \n : Company chooses not to provide a public response"},{"Question":"I have been conversing with SunTrust Bank regarding an unethical fee they charged my account. Now they are stating that they could incorrectly gave me a refund that they have to remove out of my account but I never received. \n","text":"Company chooses not to provide a public response","context":": I have been conversing with SunTrust Bank regarding an unethical fee they charged my account. Now they are stating that they could incorrectly gave me a refund that they have to remove out of my account but I never received. \n : Company chooses not to provide a public response"},{"Question":"i have submitted my XXXX I 'd number and group number to XXXX hospital about my charges while I was in hospital. Plz dispute this owe debt on my credit score .thx \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i have submitted my XXXX I 'd number and group number to XXXX hospital about my charges while I was in hospital. Plz dispute this owe debt on my credit score .thx \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Wells Fargo sent me back my check I deposited but never notified me then charges me over {$500.00} in overdraft fees XXXX of them for spending XXXX cents. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo sent me back my check I deposited but never notified me then charges me over {$500.00} in overdraft fees XXXX of them for spending XXXX cents. \n : Company chooses not to provide a public response"},{"Question":"Experian is not investigating accounts in my credit report that are reporting incorrectly. \n","text":"Company chooses not to provide a public response","context":": Experian is not investigating accounts in my credit report that are reporting incorrectly. \n : Company chooses not to provide a public response"},{"Question":"Someone hijacked my VA Pension check by ordering another card in my name. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Someone hijacked my VA Pension check by ordering another card in my name. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Wells Fargo is raising my payment from {$1300.00} to {$2900.00} while in bankruptcy, the only reason they are giving is because they made a mistake, and the insurance is not even included. Please help me! \n","text":"Company chooses not to provide a public response","context":": Wells Fargo is raising my payment from {$1300.00} to {$2900.00} while in bankruptcy, the only reason they are giving is because they made a mistake, and the insurance is not even included. Please help me! \n : Company chooses not to provide a public response"},{"Question":"ALL CREDIT AGENCIES LISTED FRAUD\/ UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW CREDIT FILE ... REMOVE ALL FROM FILE ASAP \n","text":"Company chooses not to provide a public response","context":": ALL CREDIT AGENCIES LISTED FRAUD\/ UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW CREDIT FILE ... REMOVE ALL FROM FILE ASAP \n : Company chooses not to provide a public response"},{"Question":"Nations Recovery has contacted my place of employment three times since I asked them not to do so in XX\/XX\/XXXX. I work at a call center and they have called our customer service line and asked another CSR to speak to me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Nations Recovery has contacted my place of employment three times since I asked them not to do so in XX\/XX\/XXXX. I work at a call center and they have called our customer service line and asked another CSR to speak to me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I had insurance instead of submitting the bill to the insurance company they are constantly putiing them on my credit report. \n","text":"Company chooses not to provide a public response","context":": I had insurance instead of submitting the bill to the insurance company they are constantly putiing them on my credit report. \n : Company chooses not to provide a public response"},{"Question":"Well Fargo is charging me XXXX in just overdraft fees. Why does a billion dollar company which continuously denied my transactions think they deserve to collect money for denied transactions \n","text":"Company chooses not to provide a public response","context":": Well Fargo is charging me XXXX in just overdraft fees. Why does a billion dollar company which continuously denied my transactions think they deserve to collect money for denied transactions \n : Company chooses not to provide a public response"},{"Question":"I leased a car from ALLY Bank and was charged a Sales\/Use tax of {$28.00} per month for 39 months. My husband leased an auto from XXXX XXXX XXXX for the same period and he is not charged a sales tax. We XXXX live in the same residence in XXXX, Pennsylvania. Is this legal? \n","text":"Company chooses not to provide a public response","context":": I leased a car from ALLY Bank and was charged a Sales\/Use tax of {$28.00} per month for 39 months. My husband leased an auto from XXXX XXXX XXXX for the same period and he is not charged a sales tax. We XXXX live in the same residence in XXXX, Pennsylvania. Is this legal? \n : Company chooses not to provide a public response"},{"Question":"U. BANK XXXX SERVICES AND COLLECTION AGENCIES KEEP SKIP TRACING XXXX XXXX REGARDUNG ACCCT # XXXX ( LAST XXXX ). XXXX AT ( XXXX ) XXXX X XXXX. THESE ARE VIOLATIONS OF TCPA AND FDCPA. AND MUST STOP. \n","text":"Company chooses not to provide a public response","context":": U. BANK XXXX SERVICES AND COLLECTION AGENCIES KEEP SKIP TRACING XXXX XXXX REGARDUNG ACCCT # XXXX ( LAST XXXX ). XXXX AT ( XXXX ) XXXX X XXXX. THESE ARE VIOLATIONS OF TCPA AND FDCPA. AND MUST STOP. \n : Company chooses not to provide a public response"},{"Question":"Transunion allowed XXXX to report an account that was removed from my report and it was reported by XXXX XXXX for same amount for sprint. This account is not mine. \n","text":"Company chooses not to provide a public response","context":": Transunion allowed XXXX to report an account that was removed from my report and it was reported by XXXX XXXX for same amount for sprint. This account is not mine. \n : Company chooses not to provide a public response"},{"Question":"Experian has allowed XXXX XXXX to report an account that was XXXX reported by XXXX ( XXXX ). This account was removed from file. This is not my account. \n","text":"Company chooses not to provide a public response","context":": Experian has allowed XXXX XXXX to report an account that was XXXX reported by XXXX ( XXXX ). This account was removed from file. This is not my account. \n : Company chooses not to provide a public response"},{"Question":"Bank of America is reporting with the XXXX credit bureaus that I am in Chapter XXXX bankruptcy with them\/home loan and I am not. I have not filed bankruptcy on my home. \n","text":"Company chooses not to provide a public response","context":": Bank of America is reporting with the XXXX credit bureaus that I am in Chapter XXXX bankruptcy with them\/home loan and I am not. I have not filed bankruptcy on my home. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Disputed info is deleted the reinsert ed on my report \n","text":"Company chooses not to provide a public response","context":": Disputed info is deleted the reinsert ed on my report \n : Company chooses not to provide a public response"},{"Question":"Their is a credit reporting XXXX XXXX XXXX XXXX XXXX on my credit report that is past the 7 year law. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report. \n","text":"Company chooses not to provide a public response","context":": Their is a credit reporting XXXX XXXX XXXX XXXX XXXX on my credit report that is past the 7 year law. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report. \n : Company chooses not to provide a public response"},{"Question":"Their is a credit reporting ( XXXX XXXX XXXX ) on my credit report that is past the 7 year law. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report. \n","text":"Company chooses not to provide a public response","context":": Their is a credit reporting ( XXXX XXXX XXXX ) on my credit report that is past the 7 year law. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report. \n : Company chooses not to provide a public response"},{"Question":"XXXX account included in bankruptcy and discharged but still Reporting as derogatory. I disputed via agencies the account is deleted then re reported as derogatory. ChapterXXXX filed XX\/XX\/XXXX discharged XX\/XX\/XXXX. Account was never a charge off. \n","text":"Company chooses not to provide a public response","context":": XXXX account included in bankruptcy and discharged but still Reporting as derogatory. I disputed via agencies the account is deleted then re reported as derogatory. ChapterXXXX filed XX\/XX\/XXXX discharged XX\/XX\/XXXX. Account was never a charge off. \n : Company chooses not to provide a public response"},{"Question":"how do i get credit card companies to stop sending me \" balance transfer checks. '' despite having called all of my credit card companies and told them to stop sending me all balance transfer offers, i am still receiving them from XXXX and from citi. is this a common practice? \n","text":"Company chooses not to provide a public response","context":": how do i get credit card companies to stop sending me \" balance transfer checks. '' despite having called all of my credit card companies and told them to stop sending me all balance transfer offers, i am still receiving them from XXXX and from citi. is this a common practice? \n : Company chooses not to provide a public response"},{"Question":"There is XXXX issues on my credit report that is n't me. For XXXX, I never lived in XXXX XXXX and I had moved out of XXXX XXXX, when this incident occurred. \n","text":"Company chooses not to provide a public response","context":": There is XXXX issues on my credit report that is n't me. For XXXX, I never lived in XXXX XXXX and I had moved out of XXXX XXXX, when this incident occurred. \n : Company chooses not to provide a public response"},{"Question":"NACS, North American Credit Services calls to collect debts and uses \" XXXX XXXX '' as the name of company calling. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": NACS, North American Credit Services calls to collect debts and uses \" XXXX XXXX '' as the name of company calling. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Credit reporting companies will not deleted wrong information. \n","text":"Company chooses not to provide a public response","context":": Credit reporting companies will not deleted wrong information. \n : Company chooses not to provide a public response"},{"Question":"Collection agency with the phone number XXXX continually threatens to have driver 's license suspended which they have no authority to do. \n","text":"Company disputes the facts presented in the complaint","context":": Collection agency with the phone number XXXX continually threatens to have driver 's license suspended which they have no authority to do. \n : Company disputes the facts presented in the complaint"},{"Question":"Credit reporting agency does n't want to erase old information \n","text":"Company chooses not to provide a public response","context":": Credit reporting agency does n't want to erase old information \n : Company chooses not to provide a public response"},{"Question":"I just noticed this debt on my credit report and I do not have this account. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I just noticed this debt on my credit report and I do not have this account. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I have been trying since XXXX of 2014 to remove PMI from my mortgage loan. Despite XXXX written letters and numerous calls, there has been no response from my lender. This is costing me {$150.00} per month for unnecessary PMI. \n","text":"Company chooses not to provide a public response","context":": I have been trying since XXXX of 2014 to remove PMI from my mortgage loan. Despite XXXX written letters and numerous calls, there has been no response from my lender. This is costing me {$150.00} per month for unnecessary PMI. \n : Company chooses not to provide a public response"},{"Question":"Dear CFPB, I have received a response from XXXX concerning XXXX inquiries on my credit file. As per their response, XXXX XXXX, 2015, there should be only XXXX inquiries as per their records show. The CRA 's are reporting false information that is hurting my creditworthiness. \n","text":"Company chooses not to provide a public response","context":": Dear CFPB, I have received a response from XXXX concerning XXXX inquiries on my credit file. As per their response, XXXX XXXX, 2015, there should be only XXXX inquiries as per their records show. The CRA 's are reporting false information that is hurting my creditworthiness. \n : Company chooses not to provide a public response"},{"Question":"experian is not providing my credit report. i am unable to refinance because of this. \nthey do not offer any explanation. nobody in the agency is able to help. \n\nno problem with the other XXXX credit agencies. \n","text":"Company chooses not to provide a public response","context":": experian is not providing my credit report. i am unable to refinance because of this. \nthey do not offer any explanation. nobody in the agency is able to help. \n\nno problem with the other XXXX credit agencies. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX Bank XXXX XXXX As per the Florida statue : 95.11 ( Title VIII Chapter 95 section 11 ) the statue of limitations for collections of this debt has expired. Please immediately remove evidence of any outstanding debt owed from my credit report. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX Bank XXXX XXXX As per the Florida statue : 95.11 ( Title VIII Chapter 95 section 11 ) the statue of limitations for collections of this debt has expired. Please immediately remove evidence of any outstanding debt owed from my credit report. \n : Company chooses not to provide a public response"},{"Question":"Was not happy with the decision made so I investigated it further. \n","text":"Company chooses not to provide a public response","context":": Was not happy with the decision made so I investigated it further. \n : Company chooses not to provide a public response"},{"Question":"Several items on my credit report have been reported past the 7 years for negative items, I tried contacting experian about this they refused to remove the items. They actually changed the dates on it so it states an incorrect time opened.","text":"Company chooses not to provide a public response","context":": Several items on my credit report have been reported past the 7 years for negative items, I tried contacting experian about this they refused to remove the items. They actually changed the dates on it so it states an incorrect time opened. : Company chooses not to provide a public response"},{"Question":"Charged {$320.00} in overdraft fees because my account was showing I had more money than what was available and the bank said it 's because some items were pending and the charges occur often the items go through regardless of the order of the purchases. \n","text":"Company chooses not to provide a public response","context":": Charged {$320.00} in overdraft fees because my account was showing I had more money than what was available and the bank said it 's because some items were pending and the charges occur often the items go through regardless of the order of the purchases. \n : Company chooses not to provide a public response"},{"Question":"I made a mortgage payment online and my mortgage bank changed the amount of the payment. I called them, they called me a liar. They said I changed the amount. \n","text":"Company chooses not to provide a public response","context":": I made a mortgage payment online and my mortgage bank changed the amount of the payment. I called them, they called me a liar. They said I changed the amount. \n : Company chooses not to provide a public response"},{"Question":"ICS KEPT CALLING ME FROM ( XXXX ) XXXX REGARDING # XXXX, COLLECTING FOR XXXX XXXX XXXX IN VIOLATION OF FDCPA, AND TCPA. \n","text":"Company can't verify or dispute the facts in the complaint","context":": ICS KEPT CALLING ME FROM ( XXXX ) XXXX REGARDING # XXXX, COLLECTING FOR XXXX XXXX XXXX IN VIOLATION OF FDCPA, AND TCPA. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"XXXX Mortgage XXXX 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","text":"Company chooses not to provide a public response","context":": XXXX Mortgage XXXX 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 : Company chooses not to provide a public response"},{"Question":"Late payment record for sears is false. \n","text":"Company chooses not to provide a public response","context":": Late payment record for sears is false. \n : Company chooses not to provide a public response"},{"Question":"I started at The Art Insititute XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXand finished at The Art Institue of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX have fallen victim to predatory lending, and have been mislead by the school to take out private and federal loans. \n","text":"Company disputes the facts presented in the complaint","context":": I started at The Art Insititute XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXand finished at The Art Institue of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX have fallen victim to predatory lending, and have been mislead by the school to take out private and federal loans. \n : Company disputes the facts presented in the complaint"},{"Question":"I ca n't afford my $ XXXX month payment on my private loan on top of my $ XXXX payment on my federal loan. I have repayment plans with my federal loans but sallie Mae will not extend my loan terms or anything to help me out and my private loans are killing me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I ca n't afford my $ XXXX month payment on my private loan on top of my $ XXXX payment on my federal loan. I have repayment plans with my federal loans but sallie Mae will not extend my loan terms or anything to help me out and my private loans are killing me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Disputed creditor named XXXX account # XXXX.... on my Experian credit file and Experian and XXXX failed to remove this account even though it does not belong to me, They also failed to provide proof that this account is mine.","text":"Company chooses not to provide a public response","context":": Disputed creditor named XXXX account # XXXX.... on my Experian credit file and Experian and XXXX failed to remove this account even though it does not belong to me, They also failed to provide proof that this account is mine. : Company chooses not to provide a public response"},{"Question":"in XX\/XX\/XXXX my credut report clearly shows im register owner for realestate, finance, insurance, amusmentXX\/XX\/XXXX my mutual fund forged fraudlenty traded by citigroup, XXXX XXXX citigroup fraudulenty underwriting commercial property from XX\/XX\/XXXX-XX\/XX\/XXXX \n","text":"Company chooses not to provide a public response","context":": in XX\/XX\/XXXX my credut report clearly shows im register owner for realestate, finance, insurance, amusmentXX\/XX\/XXXX my mutual fund forged fraudlenty traded by citigroup, XXXX XXXX citigroup fraudulenty underwriting commercial property from XX\/XX\/XXXX-XX\/XX\/XXXX \n : Company chooses not to provide a public response"},{"Question":"Many of the credit items and inquiries are not mine. I am and have been working XXXX since 2012. I have only opened XXXX account XXXX. I tried to dispute the other items but the credit agency said they are mine. Completely incorrect. \n","text":"Company chooses not to provide a public response","context":": Many of the credit items and inquiries are not mine. I am and have been working XXXX since 2012. I have only opened XXXX account XXXX. I tried to dispute the other items but the credit agency said they are mine. Completely incorrect. \n : Company chooses not to provide a public response"},{"Question":"I do not know this company and never done business with them. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I do not know this company and never done business with them. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I have had government medical insurance and have not needed to pay for any medical services for the past ten years. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX. \n","text":"Company chooses not to provide a public response","context":": I have had government medical insurance and have not needed to pay for any medical services for the past ten years. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX. \n : Company chooses not to provide a public response"},{"Question":"experian is not providing my credit score and report and is affecting me as I can not refinance my home \n","text":"Company chooses not to provide a public response","context":": experian is not providing my credit score and report and is affecting me as I can not refinance my home \n : Company chooses not to provide a public response"},{"Question":"I can not get transunion to properly investigate and remove inaccurate information on my credit report. \n","text":"Company chooses not to provide a public response","context":": I can not get transunion to properly investigate and remove inaccurate information on my credit report. \n : Company chooses not to provide a public response"},{"Question":"Acct. XXXX\nXXXX\nI am requesting a copy of my Home Apprasial that was done in XX\/XX\/2015 from my lender Bank Of America. I dont have a copy. They claim they cant locate it. I am trying to have my taxes assessed and need to bring a copy to my hearing.","text":"Company chooses not to provide a public response","context":": Acct. XXXX\nXXXX\nI am requesting a copy of my Home Apprasial that was done in XX\/XX\/2015 from my lender Bank Of America. I dont have a copy. They claim they cant locate it. I am trying to have my taxes assessed and need to bring a copy to my hearing. : Company chooses not to provide a public response"},{"Question":"i need to transfert a money like international transfert money to XXXX to take a bank \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i need to transfert a money like international transfert money to XXXX to take a bank \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have liens reporting on my credit that are not mine. They are My fathers. \n","text":"Company chooses not to provide a public response","context":": I have liens reporting on my credit that are not mine. They are My fathers. \n : Company chooses not to provide a public response"},{"Question":"I am disputing the Chapter XXXX bankruptcy on that is listed with all credit bureaus. A Chapter XXXX, whether it is dismissed or successfully receives discharge, is on your credit report for XXXX years. \n","text":"Company chooses not to provide a public response","context":": I am disputing the Chapter XXXX bankruptcy on that is listed with all credit bureaus. A Chapter XXXX, whether it is dismissed or successfully receives discharge, is on your credit report for XXXX years. \n : Company chooses not to provide a public response"},{"Question":"The item with XXXX XXXX XXXX is being investigated. The account was opened in XX\/XX\/XXXX and should be removed in the year of XX\/XX\/XXXX. It has been XXXX years that this account has been reported. \n","text":"Company chooses not to provide a public response","context":": The item with XXXX XXXX XXXX is being investigated. The account was opened in XX\/XX\/XXXX and should be removed in the year of XX\/XX\/XXXX. It has been XXXX years that this account has been reported. \n : Company chooses not to provide a public response"},{"Question":"I returned the device to XXXX store within 14 days. The device was unopened and never used. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I returned the device to XXXX store within 14 days. The device was unopened and never used. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Paramount Recovery sent me information that states a {$0.00} and they are reporting a balance of {$2900.00} to all XXXX credit bureaus. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Paramount Recovery sent me information that states a {$0.00} and they are reporting a balance of {$2900.00} to all XXXX credit bureaus. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Ally used its discriminatory practices to inflate my loan interest rate and inflate my monthly payments. Ally used its discriminatory practices to seize my vehicle and render me nearly financially and mentally ruined. My Ally case no is XXXX \n","text":"Company chooses not to provide a public response","context":": Ally used its discriminatory practices to inflate my loan interest rate and inflate my monthly payments. Ally used its discriminatory practices to seize my vehicle and render me nearly financially and mentally ruined. My Ally case no is XXXX \n : Company chooses not to provide a public response"},{"Question":"There are XXXX addresses that are listed on my report that do not belong to me, but to my former spouse. They are : XXXX XXXX XXXX XXXX XXXX, XXXX Wa XXXX and XXXX XXXX Wa XXXX. I would like them removed from my credit report. I have never lived at these addresses. \n","text":"Company chooses not to provide a public response","context":": There are XXXX addresses that are listed on my report that do not belong to me, but to my former spouse. They are : XXXX XXXX XXXX XXXX XXXX, XXXX Wa XXXX and XXXX XXXX Wa XXXX. I would like them removed from my credit report. I have never lived at these addresses. \n : Company chooses not to provide a public response"},{"Question":"experian still does not issue my credit report\/score and I am unable to refinance my home. \nno explanation given to me. only that \" information not available '' \n","text":"Company chooses not to provide a public response","context":": experian still does not issue my credit report\/score and I am unable to refinance my home. \nno explanation given to me. only that \" information not available '' \n : Company chooses not to provide a public response"},{"Question":"I called and asked that they remove the comment on my XXXX Credit report \" customer disputes ''. I do not dispute and agree that it is my bill. I was told I 'd have to pay the bill before this was done. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I called and asked that they remove the comment on my XXXX Credit report \" customer disputes ''. I do not dispute and agree that it is my bill. I was told I 'd have to pay the bill before this was done. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I opened a cheque account at Bank of America while visiting XXXX in 2013.\nNow Bank of America will not send me the balance. I have made XXXX International calls and numerous emails with endless promises made but still no money.","text":"Company chooses not to provide a public response","context":": I opened a cheque account at Bank of America while visiting XXXX in 2013.\nNow Bank of America will not send me the balance. I have made XXXX International calls and numerous emails with endless promises made but still no money. : Company chooses not to provide a public response"},{"Question":"Threatening calls at Work. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Threatening calls at Work. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I sent a debt validation letter to this company on XXXX\/XXXX\/2015 and they ignored my request of validation. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I sent a debt validation letter to this company on XXXX\/XXXX\/2015 and they ignored my request of validation. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am receiving calls from Focus Receivables Management claiming claiming \"this is an attempt to collect a debt\",\n\nwhen I called, the XXXX question I asked is \"Is this a debt collection agency\"\n\nthey hung up immediately,\n\nthe return call number is XXXX","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am receiving calls from Focus Receivables Management claiming claiming \"this is an attempt to collect a debt\",\n\nwhen I called, the XXXX question I asked is \"Is this a debt collection agency\"\n\nthey hung up immediately,\n\nthe return call number is XXXX : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I owned XXXX a payment from when we moved. I paid XXXX on XX\/XX\/XXXX Just received ( XX\/XX\/XXXX ) a call at work about this paid debt. They stated it was not paid. To top it off, this debt is under my Wife 's name ' not mine. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I owned XXXX a payment from when we moved. I paid XXXX on XX\/XX\/XXXX Just received ( XX\/XX\/XXXX ) a call at work about this paid debt. They stated it was not paid. To top it off, this debt is under my Wife 's name ' not mine. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The attached letter was sent to XXXX in XXXX, 2015. I am still being harassed by this business and when I speak to them, I ask them to send me debt verification and I am yet to receive it. \n","text":"Company chooses not to provide a public response","context":": The attached letter was sent to XXXX in XXXX, 2015. I am still being harassed by this business and when I speak to them, I ask them to send me debt verification and I am yet to receive it. \n : Company chooses not to provide a public response"},{"Question":"for several months we are getting calls from Harris and Harris several times a week. We did call back XXXX, the debt belonged to someone else who does not live or has ever lived at that phone number. we informed them and asked them to stop -to no avail \n","text":"Company can't verify or dispute the facts in the complaint","context":": for several months we are getting calls from Harris and Harris several times a week. We did call back XXXX, the debt belonged to someone else who does not live or has ever lived at that phone number. we informed them and asked them to stop -to no avail \n : Company can't verify or dispute the facts in the complaint"},{"Question":"At One Main financial in XXXX GA a loan officer by the name of XXXX pulled my credit without my authorization \n","text":"Company chooses not to provide a public response","context":": At One Main financial in XXXX GA a loan officer by the name of XXXX pulled my credit without my authorization \n : Company chooses not to provide a public response"},{"Question":"I have a bankruptcy from 2005. It was filed ten days before the newBankruptcy laws were effective therefore does not fall under the ten year rule and should be deleted. \n","text":"Company chooses not to provide a public response","context":": I have a bankruptcy from 2005. It was filed ten days before the newBankruptcy laws were effective therefore does not fall under the ten year rule and should be deleted. \n : Company chooses not to provide a public response"},{"Question":"I have insisted that this account belonged to my mom. And I never signed any agreement to add me as a co-signer I keep requesting copy of the note or loan agreement and XXXX XXXX will not answer me. So when I dispute it the credit agency does not even investigate. \n","text":"Company chooses not to provide a public response","context":": I have insisted that this account belonged to my mom. And I never signed any agreement to add me as a co-signer I keep requesting copy of the note or loan agreement and XXXX XXXX will not answer me. So when I dispute it the credit agency does not even investigate. \n : Company chooses not to provide a public response"},{"Question":"Past address is not mine. \nXXXX, XXXX never lived or worked there. \nIt might belong to the other XXXX XXXX XXXX that lives in XXXX XXXX. \nThe only other XXXX XXXX I know is my uncle that lived in XXXX, XXXX, and he died a few years back. \n","text":"Company chooses not to provide a public response","context":": Past address is not mine. \nXXXX, XXXX never lived or worked there. \nIt might belong to the other XXXX XXXX XXXX that lives in XXXX XXXX. \nThe only other XXXX XXXX I know is my uncle that lived in XXXX, XXXX, and he died a few years back. \n : Company chooses not to provide a public response"},{"Question":"Sent creditor copy of discharge notice but have had no response \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Sent creditor copy of discharge notice but have had no response \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX BANK AND CONTINENTAL FINANCE IS TRYING TO COLLECT MORE THAN AGREED AND IS UNDER XXXX, ALSO IS REPORTING LATE PAYMENTS ON CLOSED, AND CHARGING FEES AFTER THE FACT. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX BANK AND CONTINENTAL FINANCE IS TRYING TO COLLECT MORE THAN AGREED AND IS UNDER XXXX, ALSO IS REPORTING LATE PAYMENTS ON CLOSED, AND CHARGING FEES AFTER THE FACT. \n : Company chooses not to provide a public response"},{"Question":"I use Bank of America billpay to send money to individuals. When the individual tries to cash the check at any Bbank of America branch, Bank of America responds that they do n't have to honor it because it 's not drawn on Bank of America. \n","text":"Company chooses not to provide a public response","context":": I use Bank of America billpay to send money to individuals. When the individual tries to cash the check at any Bbank of America branch, Bank of America responds that they do n't have to honor it because it 's not drawn on Bank of America. \n : Company chooses not to provide a public response"},{"Question":"Ther are XXXX debts and almost all of them I do n't recognize. I need them off my credit score. \n","text":"Company chooses not to provide a public response","context":": Ther are XXXX debts and almost all of them I do n't recognize. I need them off my credit score. \n : Company chooses not to provide a public response"},{"Question":"XXXX has claimed an erroneous debt on my report. I have absolutely not done any business with them in years they have gotten my name from recent inquiries in like agencies. Please have that information removed. \n","text":"Company chooses not to provide a public response","context":": XXXX has claimed an erroneous debt on my report. I have absolutely not done any business with them in years they have gotten my name from recent inquiries in like agencies. Please have that information removed. \n : Company chooses not to provide a public response"},{"Question":"Incorrect address on a credit report ( most likely due to divorce : the address is that of my ex husband and his XXXX wife ) \n","text":"Company chooses not to provide a public response","context":": Incorrect address on a credit report ( most likely due to divorce : the address is that of my ex husband and his XXXX wife ) \n : Company chooses not to provide a public response"},{"Question":"Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"Trans Union is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Trans Union is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"# 1. on XXXX\/XXXX\/2011 i purchased a vehicle from The \" XXXX XXXX XXXX group, i was not made aware of the minimum A.P.R. offered by the finance company \" ALLY ''. I 've contacted Ally requesting the initial APR offered by them to purchase my loan and they have refused. \n","text":"Company chooses not to provide a public response","context":": # 1. on XXXX\/XXXX\/2011 i purchased a vehicle from The \" XXXX XXXX XXXX group, i was not made aware of the minimum A.P.R. offered by the finance company \" ALLY ''. I 've contacted Ally requesting the initial APR offered by them to purchase my loan and they have refused. \n : Company chooses not to provide a public response"},{"Question":"SPOTLOAN HIRED XXXX TO CALL US AT WORK, CELL, FAMILY MEMBERS, ( ATTACHED FIND LIST OF PHONES CALLED ), IN VIOLATION OF TDCPA, TCPA. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": SPOTLOAN HIRED XXXX TO CALL US AT WORK, CELL, FAMILY MEMBERS, ( ATTACHED FIND LIST OF PHONES CALLED ), IN VIOLATION OF TDCPA, TCPA. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Both reporting agencys report a address for me as XXXX XXXX XXXX XXXX, Pa. XXXX. This is not correct!!! I do not, nor have I ever had or used this address. I do not know if someone has tried to get credit using my information!! This has me very concerned. Thank You for your time!!!!! \n","text":"Company chooses not to provide a public response","context":": Both reporting agencys report a address for me as XXXX XXXX XXXX XXXX, Pa. XXXX. This is not correct!!! I do not, nor have I ever had or used this address. I do not know if someone has tried to get credit using my information!! This has me very concerned. Thank You for your time!!!!! \n : Company chooses not to provide a public response"},{"Question":"Bank of America ( BofA ) at XXXX XXXX XXXX XXXX XXXX NJ XXXX is refusing to cash my payroll check drawn on BofA. Do they have that right to refuse to cash a \" Payroll '' check, if the account has enough money and I have ID? \n","text":"Company chooses not to provide a public response","context":": Bank of America ( BofA ) at XXXX XXXX XXXX XXXX XXXX NJ XXXX is refusing to cash my payroll check drawn on BofA. Do they have that right to refuse to cash a \" Payroll '' check, if the account has enough money and I have ID? \n : Company chooses not to provide a public response"},{"Question":"I Went to open my account. The Teller add a persons in to my account as a join account I have been Fraud.The money missing from my account The account closed by others. Now what? RE : FTC Ref. No.XXXX wish to continue thanks \n","text":"Company chooses not to provide a public response","context":": I Went to open my account. The Teller add a persons in to my account as a join account I have been Fraud.The money missing from my account The account closed by others. Now what? RE : FTC Ref. No.XXXX wish to continue thanks \n : Company chooses not to provide a public response"},{"Question":"I got this debt collection that is not mine. Not the right DOB, not the right SSN. \n","text":"Company chooses not to provide a public response","context":": I got this debt collection that is not mine. Not the right DOB, not the right SSN. \n : Company chooses not to provide a public response"},{"Question":"I also wrote a debt collector who sent me back a letter XXXX attached XXXX saying they were requesting the credit reporting agencies to delete or remove this file. Transunion continues to report it! \n","text":"Company chooses not to provide a public response","context":": I also wrote a debt collector who sent me back a letter XXXX attached XXXX saying they were requesting the credit reporting agencies to delete or remove this file. Transunion continues to report it! \n : Company chooses not to provide a public response"},{"Question":"SKIP TRACED ALL FAMILY MEMBERS CELL, WORK, HOME NUMBERS CALLED AND WILL GO TO JAIL IF YOU DONT PAY! IN VIOLATION OF FTC, FDCPA, TCPA, FCRA .... \n","text":"Company disputes the facts presented in the complaint","context":": SKIP TRACED ALL FAMILY MEMBERS CELL, WORK, HOME NUMBERS CALLED AND WILL GO TO JAIL IF YOU DONT PAY! IN VIOLATION OF FTC, FDCPA, TCPA, FCRA .... \n : Company disputes the facts presented in the complaint"},{"Question":"I payed speedy cash awhile ago and I do n't understand why that it is not taking of my credit \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I payed speedy cash awhile ago and I do n't understand why that it is not taking of my credit \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was late with paying my electric bill XX\/XX\/XXXX. I made arrangements in XX\/XX\/XXXX to get it paid. The electric company, XXXX XXXX, immediately came back and said I was late on {$80.00}, when a ) I was n't, and b ) it 's been paid for, yet the credit report does n't reflect that. \n","text":"Company chooses not to provide a public response","context":": I was late with paying my electric bill XX\/XX\/XXXX. I made arrangements in XX\/XX\/XXXX to get it paid. The electric company, XXXX XXXX, immediately came back and said I was late on {$80.00}, when a ) I was n't, and b ) it 's been paid for, yet the credit report does n't reflect that. \n : Company chooses not to provide a public response"},{"Question":"I SUBMITTED TO TRANSUNION 3 TIMES AND THEY ARE NOT REMOVING AND KEEPING UPDATING THE STATUS DATES. ALL THREE COLLECTIONS ITEMS ARE INCORRECT AND NOT MINE. I 'VE REQUESTED PROOF FROM THEM AND NOTHING HAS BEEN SENT! \n","text":"Company chooses not to provide a public response","context":": I SUBMITTED TO TRANSUNION 3 TIMES AND THEY ARE NOT REMOVING AND KEEPING UPDATING THE STATUS DATES. ALL THREE COLLECTIONS ITEMS ARE INCORRECT AND NOT MINE. I 'VE REQUESTED PROOF FROM THEM AND NOTHING HAS BEEN SENT! \n : Company chooses not to provide a public response"},{"Question":"My credit report shows a judgement that should have been taken off. It has been close to 8 years and it is still there. \n","text":"Company chooses not to provide a public response","context":": My credit report shows a judgement that should have been taken off. It has been close to 8 years and it is still there. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes due to multiple fraudulent credit inquiries. I contacted Experian disputing the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes due to multiple fraudulent credit inquiries. I contacted Experian disputing the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date. \n : Company chooses not to provide a public response"},{"Question":"Please have information more consolidated. Why are credit reports loaded with accounts being listed several times and it is for XXXX creditor? That is so unfair and unjust. \nI would like to see the Credit Report trimmed down. It is the most inaccurate document that I have every seen. \n","text":"Company chooses not to provide a public response","context":": Please have information more consolidated. Why are credit reports loaded with accounts being listed several times and it is for XXXX creditor? That is so unfair and unjust. \nI would like to see the Credit Report trimmed down. It is the most inaccurate document that I have every seen. \n : Company chooses not to provide a public response"},{"Question":"I keep getting a call from phone # XXXX and the debt does not belong to me and I want them to stop calling my cell phone. \n","text":"Company chooses not to provide a public response","context":": I keep getting a call from phone # XXXX and the debt does not belong to me and I want them to stop calling my cell phone. \n : Company chooses not to provide a public response"},{"Question":"I deposit a check that was sent to me by a company, the bank cash it and three days later rejected and said I committed fraud. I would like to take this off because it looks like I committed fraud which i did n't it was with Bank of America \n","text":"Company chooses not to provide a public response","context":": I deposit a check that was sent to me by a company, the bank cash it and three days later rejected and said I committed fraud. I would like to take this off because it looks like I committed fraud which i did n't it was with Bank of America \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"i attempted to obtain a small XXXX loan through my bank (bank of america), however i was not allowed to fill out an application because i did not make $XXXX a year.","text":"Company chooses not to provide a public response","context":": i attempted to obtain a small XXXX loan through my bank (bank of america), however i was not allowed to fill out an application because i did not make $XXXX a year. : Company chooses not to provide a public response"},{"Question":"Tranunion has \" XXXX XXXX '' listed as an employer on my report wich is incorrect. \n","text":"Company chooses not to provide a public response","context":": Tranunion has \" XXXX XXXX '' listed as an employer on my report wich is incorrect. \n : Company chooses not to provide a public response"},{"Question":"To whom it may concern. In contacting the original creditor XXXX XXXX and Contacting a collecting agency who acquired my debt. There is no record on file showing they own a debt I need this removed as this is damaging my credit history. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": To whom it may concern. In contacting the original creditor XXXX XXXX and Contacting a collecting agency who acquired my debt. There is no record on file showing they own a debt I need this removed as this is damaging my credit history. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"daughter received loans from wells fargo, daughter does not reside in this house. i constantly receive calls daily from wells fargo, XXXX, north dakato when answered, their computer\/person hangs up ... \n","text":"Company chooses not to provide a public response","context":": daughter received loans from wells fargo, daughter does not reside in this house. i constantly receive calls daily from wells fargo, XXXX, north dakato when answered, their computer\/person hangs up ... \n : Company chooses not to provide a public response"},{"Question":"I have mailed in my information to the bureaus advising I am not disputing the information on my credit report however, I still have accounts showing they are in dispute and they should not be. \n","text":"Company chooses not to provide a public response","context":": I have mailed in my information to the bureaus advising I am not disputing the information on my credit report however, I still have accounts showing they are in dispute and they should not be. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Experian is reporting on report XXXX account is reporting wrong date of XXXX delinquency. XXXX account was sold\/transferred XXXX times. Date of XXXX delinquency for XXXX account, original date is XX\/XX\/XXXX not XX\/XX\/XXXX. I have disputed several times and sent documents for support. \n","text":"Company chooses not to provide a public response","context":": Experian is reporting on report XXXX account is reporting wrong date of XXXX delinquency. XXXX account was sold\/transferred XXXX times. Date of XXXX delinquency for XXXX account, original date is XX\/XX\/XXXX not XX\/XX\/XXXX. I have disputed several times and sent documents for support. \n : Company chooses not to provide a public response"},{"Question":"lender charged my bank 2 days before agreement. Then charged XXXX times in one day, racking up insufficient funds fees \n","text":"Company chooses not to provide a public response","context":": lender charged my bank 2 days before agreement. Then charged XXXX times in one day, racking up insufficient funds fees \n : Company chooses not to provide a public response"},{"Question":"XXXX FRAUDULENT CHECKS ( ACCESS CHECKS ) LINKED TO MY CREDIT CARD WERE PRESENTED TO MY BANK XXXX BANK OF AMERICA XXXX FOR PAYMENT. I DID NOT WRITE OR AUTHORIZE THESE CHECKS. THE CHECKS WERE RETURNED STAMPED EXPIRED. THE CHECKS CONTAINED AN EXPIRATION DATE. WHICH HAD PASSED \n","text":"Company chooses not to provide a public response","context":": XXXX FRAUDULENT CHECKS ( ACCESS CHECKS ) LINKED TO MY CREDIT CARD WERE PRESENTED TO MY BANK XXXX BANK OF AMERICA XXXX FOR PAYMENT. I DID NOT WRITE OR AUTHORIZE THESE CHECKS. THE CHECKS WERE RETURNED STAMPED EXPIRED. THE CHECKS CONTAINED AN EXPIRATION DATE. WHICH HAD PASSED \n : Company chooses not to provide a public response"},{"Question":"USBank has eliminated and changed the benefits of their XXXX co-branded credit card. When I submitted my credit card application, XXXX of the benefits was a XXXX night when redeeming points for XXXX night. This benefit has been removed effective XXXX 2015. \n","text":"Company chooses not to provide a public response","context":": USBank has eliminated and changed the benefits of their XXXX co-branded credit card. When I submitted my credit card application, XXXX of the benefits was a XXXX night when redeeming points for XXXX night. This benefit has been removed effective XXXX 2015. \n : Company chooses not to provide a public response"},{"Question":"i sent in all verifying documents they did not take the items off i dont know what else to do from here .... i have contacted the beaureas to no avail \n","text":"Company chooses not to provide a public response","context":": i sent in all verifying documents they did not take the items off i dont know what else to do from here .... i have contacted the beaureas to no avail \n : Company chooses not to provide a public response"},{"Question":"COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX-XXXX etc.. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX-XXXX etc.. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A company XXXX was given my credit report by Experian. This was not authorized and has had a negative impact on my credit score. Please remove. \n","text":"Company chooses not to provide a public response","context":": A company XXXX was given my credit report by Experian. This was not authorized and has had a negative impact on my credit score. Please remove. \n : Company chooses not to provide a public response"},{"Question":"COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX.. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX.. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I got a call from the number XXXX saying \"this is an attempt to collect a debt on my name from Focus Receivables Management\" and that I should call back at that number.\nI know I do not owe any debt.","text":"Company can't verify or dispute the facts in the complaint","context":": I got a call from the number XXXX saying \"this is an attempt to collect a debt on my name from Focus Receivables Management\" and that I should call back at that number.\nI know I do not owe any debt. : Company can't verify or dispute the facts in the complaint"},{"Question":"I paid my XXXX XXXX credit card off XXXX months ago and still not showing it. \n","text":"Company chooses not to provide a public response","context":": I paid my XXXX XXXX credit card off XXXX months ago and still not showing it. \n : Company chooses not to provide a public response"},{"Question":"There is a hard inquiry from XXXX XXXX. I have never been there and have never applied for credit through them. \n","text":"Company chooses not to provide a public response","context":": There is a hard inquiry from XXXX XXXX. I have never been there and have never applied for credit through them. \n : Company chooses not to provide a public response"},{"Question":"I paid off a charge-off checking account with XXXX bank for XXXX on XX\/XX\/2015 and it does not reflect on my chexsystems. I tried to open another account and I was unable to since it still shows as unpaid.","text":"Company chooses not to provide a public response","context":": I paid off a charge-off checking account with XXXX bank for XXXX on XX\/XX\/2015 and it does not reflect on my chexsystems. I tried to open another account and I was unable to since it still shows as unpaid. : Company chooses not to provide a public response"},{"Question":"I cancelled my membership with XXXX who changed name to XXXX. My account was closed when it was XXXX and I do not owe a balance. I require the account to be removed completely from my credit report. \n","text":"Company chooses not to provide a public response","context":": I cancelled my membership with XXXX who changed name to XXXX. My account was closed when it was XXXX and I do not owe a balance. I require the account to be removed completely from my credit report. \n : Company chooses not to provide a public response"},{"Question":"We recently applied or and are receiving an Equity Line of Credit loan. The Credit Union has granted our application - but sent us our scores which are XXXX and XXXX. The reasons why we received deductions are not true. \nWhen we called the Experian, there was no option for dispute. \n","text":"Company chooses not to provide a public response","context":": We recently applied or and are receiving an Equity Line of Credit loan. The Credit Union has granted our application - but sent us our scores which are XXXX and XXXX. The reasons why we received deductions are not true. \nWhen we called the Experian, there was no option for dispute. \n : Company chooses not to provide a public response"},{"Question":"My wife filed for bankruptcy years ago.The mortgage company put a lien on our home and she paid it off. The bank sent a letter stating the debt was paid in full but now they will not remove the lien. This has been going on for two years. \n","text":"Company chooses not to provide a public response","context":": My wife filed for bankruptcy years ago.The mortgage company put a lien on our home and she paid it off. The bank sent a letter stating the debt was paid in full but now they will not remove the lien. This has been going on for two years. \n : Company chooses not to provide a public response"},{"Question":"Someone had stole my checks and used them. This was reported and the person arrested. \n","text":"Company chooses not to provide a public response","context":": Someone had stole my checks and used them. This was reported and the person arrested. \n : Company chooses not to provide a public response"},{"Question":"I had a debt collector take a judgement out. The debt was paid, and when I first checked it said account closed. I have recently checked and now it shows both debts as open and owed and my credit score has went down. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I had a debt collector take a judgement out. The debt was paid, and when I first checked it said account closed. I have recently checked and now it shows both debts as open and owed and my credit score has went down. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I am disputing the debt of a voluntary repossessed vehicle. \nThe company did not allow me time and notification to recover vehicle once repossessed.I never received notice of sale amount.And the Deficiency balance is extremely high not giving credit for payments made. \n","text":"Company chooses not to provide a public response","context":": I am disputing the debt of a voluntary repossessed vehicle. \nThe company did not allow me time and notification to recover vehicle once repossessed.I never received notice of sale amount.And the Deficiency balance is extremely high not giving credit for payments made. \n : Company chooses not to provide a public response"},{"Question":"Unable to get my credit reports from any of the credit companies they refuse to provide me my free annual credit report and they claim I have n't provide proper identification, which is a lie. \n","text":"Company chooses not to provide a public response","context":": Unable to get my credit reports from any of the credit companies they refuse to provide me my free annual credit report and they claim I have n't provide proper identification, which is a lie. \n : Company chooses not to provide a public response"},{"Question":"Someone is using my name in Florida to work as well as open an account that he also sent sent to collection for check system \n","text":"Company chooses not to provide a public response","context":": Someone is using my name in Florida to work as well as open an account that he also sent sent to collection for check system \n : Company chooses not to provide a public response"},{"Question":"COLLECTOR CALLING ALL FAMILY MEMBERS AT WORK, CELL AND HOME IN VIOLATION OF TCPA. \n","text":"Company disputes the facts presented in the complaint","context":": COLLECTOR CALLING ALL FAMILY MEMBERS AT WORK, CELL AND HOME IN VIOLATION OF TCPA. \n : Company disputes the facts presented in the complaint"},{"Question":"KEPT CALLING ALL MY NUMBERS HOME, CELL AND HOME ALONG WITH ALL FAMILY MEMBERS IN VIOLATION OF TCPA \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": KEPT CALLING ALL MY NUMBERS HOME, CELL AND HOME ALONG WITH ALL FAMILY MEMBERS IN VIOLATION OF TCPA \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Enhanced Recovery Company-XXXX, FLThey put a collection on my credit report, never notified me and gave the opportunity to dispute and ask for validation. This lowered my credit score XXXX points. I found this out when I applied for an auto loan. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Enhanced Recovery Company-XXXX, FLThey put a collection on my credit report, never notified me and gave the opportunity to dispute and ask for validation. This lowered my credit score XXXX points. I found this out when I applied for an auto loan. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"AARGON ORDERED EXPERIAN TO COMMIT CREDIT COLLECTION AND REPORTING FRAUD AND REFUSES TO REMOVE SAID ACCOUNT AFTER PROVING THAT THE ORIGINAL CREDITOR IS ACCEPTING PAYMENTS IN VIOLATION OF FDCPA, FCRA \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": AARGON ORDERED EXPERIAN TO COMMIT CREDIT COLLECTION AND REPORTING FRAUD AND REFUSES TO REMOVE SAID ACCOUNT AFTER PROVING THAT THE ORIGINAL CREDITOR IS ACCEPTING PAYMENTS IN VIOLATION OF FDCPA, FCRA \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I dont have credit card XXXX XXXX XXXX in my name and Social security \n","text":"Company chooses not to provide a public response","context":": I dont have credit card XXXX XXXX XXXX in my name and Social security \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"They are not standing upon the law that governs them. Eperian And XXXX have not followed the fair debt act. \n","text":"Company chooses not to provide a public response","context":": They are not standing upon the law that governs them. Eperian And XXXX have not followed the fair debt act. \n : Company chooses not to provide a public response"},{"Question":"An automated machine keeps calling to saying it is calling to collect a debt for \" XXXX XXXX ''. A person by that name never has lived here. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": An automated machine keeps calling to saying it is calling to collect a debt for \" XXXX XXXX ''. A person by that name never has lived here. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The debt collector called my employer stating that I owed a debt and they were trying to reach me. The last time, they were told not to contact me at work. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The debt collector called my employer stating that I owed a debt and they were trying to reach me. The last time, they were told not to contact me at work. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"IN VIOLATION OF TCPA AND FCRA AND FDCPA. ( ATTACHED LIST ) \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": IN VIOLATION OF TCPA AND FCRA AND FDCPA. ( ATTACHED LIST ) \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Bills from hospital are 0.00 for the 2012 year, it still shows up in the collection area. \n","text":"Company chooses not to provide a public response","context":": Bills from hospital are 0.00 for the 2012 year, it still shows up in the collection area. \n : Company chooses not to provide a public response"},{"Question":"My private loan in collection they froze my account I do n't have a lot of money they asking for If I did I would be homeless. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My private loan in collection they froze my account I do n't have a lot of money they asking for If I did I would be homeless. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I called AAA to active a credit card. I was told about a balancetransfer, Interest free until XX\/XX\/XXXX. \n","text":"Company chooses not to provide a public response","context":": I called AAA to active a credit card. I was told about a balancetransfer, Interest free until XX\/XX\/XXXX. \n : Company chooses not to provide a public response"},{"Question":"The call multiple times a day- i do not know what debt they are attempting to collect as i have received no prior written communication from this company. \n","text":"Company chooses not to provide a public response","context":": The call multiple times a day- i do not know what debt they are attempting to collect as i have received no prior written communication from this company. \n : Company chooses not to provide a public response"},{"Question":"bank of America has refused to assist me with my mortgage issues. They have delayed assistance over and over, and initiated foreclosure against myself. They have violated the fha hud servicing requirements several times. \n","text":"Company chooses not to provide a public response","context":": bank of America has refused to assist me with my mortgage issues. They have delayed assistance over and over, and initiated foreclosure against myself. They have violated the fha hud servicing requirements several times. \n : Company chooses not to provide a public response"},{"Question":"There is no past due balance. I returned all equipment to XXXX XXXX. I did n't receive a Dunning Letter either. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": There is no past due balance. I returned all equipment to XXXX XXXX. I did n't receive a Dunning Letter either. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Have no idea what this debt is for, never heard from this company. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Have no idea what this debt is for, never heard from this company. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A collector at DCS ( named XXXX XXXX ) contacted my husband at work to discuss my student loan. My husband is not on my student loans and I had NOT given permission for any third party to discuss my information. He gave my husband my information to verify my identity. \n","text":"Company chooses not to provide a public response","context":": A collector at DCS ( named XXXX XXXX ) contacted my husband at work to discuss my student loan. My husband is not on my student loans and I had NOT given permission for any third party to discuss my information. He gave my husband my information to verify my identity. \n : Company chooses not to provide a public response"},{"Question":"Found this item on my credit report, and I never had this account. I am disputing this account I never had this account. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Found this item on my credit report, and I never had this account. I am disputing this account I never had this account. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My XXXX credit card account has been paid off, and my credit report still shows a balance and that it is delinquent which it never was. \n","text":"Company chooses not to provide a public response","context":": My XXXX credit card account has been paid off, and my credit report still shows a balance and that it is delinquent which it never was. \n : Company chooses not to provide a public response"},{"Question":"sending me letters saying i owe but account closed on credit report \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": sending me letters saying i owe but account closed on credit report \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This is the XXXX communication from V & K regarding an alleged debt from XXXX due to disconnection fees. XXXX admits the debt is not valid because I disconnected my lines incident to a XXXX of station and invoked the SCRA. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This is the XXXX communication from V & K regarding an alleged debt from XXXX due to disconnection fees. XXXX admits the debt is not valid because I disconnected my lines incident to a XXXX of station and invoked the SCRA. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"will not remove \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": will not remove \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received my credit card statement and found a purchase in another state that I did not do. \n","text":"Company chooses not to provide a public response","context":": I received my credit card statement and found a purchase in another state that I did not do. \n : Company chooses not to provide a public response"},{"Question":"Due to a negative entry on my Experian credit report I attempted to dispute the item. After filling out the online form to proceed with the dispute. Experian stated that I am ineligible to dispute MY credit report and asked for a XXXX fee to have a report mailed to me. \n","text":"Company chooses not to provide a public response","context":": Due to a negative entry on my Experian credit report I attempted to dispute the item. After filling out the online form to proceed with the dispute. Experian stated that I am ineligible to dispute MY credit report and asked for a XXXX fee to have a report mailed to me. \n : Company chooses not to provide a public response"},{"Question":"Some one had stole my identity and got electric service in my name i filed a complaint with the company they investigated and found out it was identify theft and removed it from my account. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Some one had stole my identity and got electric service in my name i filed a complaint with the company they investigated and found out it was identify theft and removed it from my account. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My Visa credit card Account # XXXX. US Bank advertised {$60.00} annual fee for a credit card with a benefit of second night free on any reward. They still charge the fee and refuse to return it, but discontinued the benefit. \n","text":"Company chooses not to provide a public response","context":": My Visa credit card Account # XXXX. US Bank advertised {$60.00} annual fee for a credit card with a benefit of second night free on any reward. They still charge the fee and refuse to return it, but discontinued the benefit. \n : Company chooses not to provide a public response"},{"Question":"I am not making enough to pay my loan every month. They are unwilling to work with me to lower the payment. \nI went to XXXX College in XXXX, NC \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am not making enough to pay my loan every month. They are unwilling to work with me to lower the payment. \nI went to XXXX College in XXXX, NC \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX is showing on my credit report as a authorizzed user but i never recieved and dont know what or who did that .. \naccount XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, sd XXXX XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX is showing on my credit report as a authorizzed user but i never recieved and dont know what or who did that .. \naccount XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, sd XXXX XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Hi XXXX, Just an FYI. They called the office to ask for information to send a garnishment order for your salary. If you want to talk to the agency that called their phone number is XXXX your reference # XXXX. \n\nRegards, \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Hi XXXX, Just an FYI. They called the office to ask for information to send a garnishment order for your salary. If you want to talk to the agency that called their phone number is XXXX your reference # XXXX. \n\nRegards, \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Also did not send me documents on validating the debt the name of creditor. I have asked them to cease and decist with calling my mother, my job, and also me. The number that keeps harassing me is XXXX \n","text":"Company believes complaint represents an opportunity for improvement to better serve consumers","context":": Also did not send me documents on validating the debt the name of creditor. I have asked them to cease and decist with calling my mother, my job, and also me. The number that keeps harassing me is XXXX \n : Company believes complaint represents an opportunity for improvement to better serve consumers"},{"Question":"XXXX account # XXXX .... is not mine and experian has refused to delete account like XXXX did to avoid fcra fines. \n","text":"Company chooses not to provide a public response","context":": XXXX account # XXXX .... is not mine and experian has refused to delete account like XXXX did to avoid fcra fines. \n : Company chooses not to provide a public response"},{"Question":"This debt is on my credit report and I would like to dispute this matter. The account is Jefferson Capital SY - XXXX XXXX for the amount {$2600.00}. Please help me fix this. My email is XXXXXXXXXXXX. Phone number XXXX. Thank you. \n\nXXXX XXXX XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This debt is on my credit report and I would like to dispute this matter. The account is Jefferson Capital SY - XXXX XXXX for the amount {$2600.00}. Please help me fix this. My email is XXXXXXXXXXXX. Phone number XXXX. Thank you. \n\nXXXX XXXX XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Reverse Mortgage Solutions, Inc. XXXX XXXX XXXX, 2015 I received this letter \" Your failure to pay the property charges requires us to pay these expenses on your behalf. The total amount paid to date on your behalf, which you must repay is {$160.00}. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Reverse Mortgage Solutions, Inc. XXXX XXXX XXXX, 2015 I received this letter \" Your failure to pay the property charges requires us to pay these expenses on your behalf. The total amount paid to date on your behalf, which you must repay is {$160.00}. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A company has reported a collection which is not mine. Please remove \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": A company has reported a collection which is not mine. Please remove \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The letter was mailed out on XXXX XXXX. The Experian bureaus have continuously sent scare, stall tactic to clients. \n","text":"Company chooses not to provide a public response","context":": The letter was mailed out on XXXX XXXX. The Experian bureaus have continuously sent scare, stall tactic to clients. \n : Company chooses not to provide a public response"},{"Question":"No heath care bill is owed to anyone, this is false and no verification was ever provided \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": No heath care bill is owed to anyone, this is false and no verification was ever provided \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Unknown and not my debt. There is no way this social matches mine or date of birth please remove off of my credit file as a dispute was processed to the credit agencies and the credit agencies stated they verified which I do not believe is accurate. \n","text":"Company chooses not to provide a public response","context":": Unknown and not my debt. There is no way this social matches mine or date of birth please remove off of my credit file as a dispute was processed to the credit agencies and the credit agencies stated they verified which I do not believe is accurate. \n : Company chooses not to provide a public response"},{"Question":"FOCUS HAS VIOLATED THE T.C.P.A. CALL MY NUMBERS AT ( XXXX ) XXXX IN VIOLATION OF FDCPA! HAVE PHONE RECORDS ... \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": FOCUS HAS VIOLATED THE T.C.P.A. CALL MY NUMBERS AT ( XXXX ) XXXX IN VIOLATION OF FDCPA! HAVE PHONE RECORDS ... \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Trans Union is not responding to my requests to investigate, verify and correct accounts in my credit report that are reporting incorrectly. \n","text":"Company chooses not to provide a public response","context":": Trans Union is not responding to my requests to investigate, verify and correct accounts in my credit report that are reporting incorrectly. \n : Company chooses not to provide a public response"},{"Question":"I have asked Cash Call on several occasions now to refrain from contacting me at work. They called again today, and this is not acceptable. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have asked Cash Call on several occasions now to refrain from contacting me at work. They called again today, and this is not acceptable. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A new inquery came up on my report that does not belong to me. \n","text":"Company chooses not to provide a public response","context":": A new inquery came up on my report that does not belong to me. \n : Company chooses not to provide a public response"},{"Question":"This company failed to respond to my request to validate this debt. They have reported this account to all XXXX credit bureaus. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This company failed to respond to my request to validate this debt. They have reported this account to all XXXX credit bureaus. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I contacted this company requesting them to validate their claim. They have not responded or provided any validation and they have reported to all XXXX credit bureaus \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I contacted this company requesting them to validate their claim. They have not responded or provided any validation and they have reported to all XXXX credit bureaus \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Bank of America has re acquired our mortgage from XXXX ... in this process they have charged a fee to us, and show it as late, even though the transfer took place in XXXX 2015 ... the fee, XXXX they say is related to the expenseof acquiring our mortgage ... \n","text":"Company chooses not to provide a public response","context":": Bank of America has re acquired our mortgage from XXXX ... in this process they have charged a fee to us, and show it as late, even though the transfer took place in XXXX 2015 ... the fee, XXXX they say is related to the expenseof acquiring our mortgage ... \n : Company chooses not to provide a public response"},{"Question":"Most recent address shows XXXX and I have never lived in XXXX. \n","text":"Company chooses not to provide a public response","context":": Most recent address shows XXXX and I have never lived in XXXX. \n : Company chooses not to provide a public response"},{"Question":"My mother put me as a user for XXXX of her credit cards and I would like my name off them accounts. My mother stopped paying these accounts and left them neglected but now they 're showing up on my credit report and I never wanted to be a user. \n","text":"Company chooses not to provide a public response","context":": My mother put me as a user for XXXX of her credit cards and I would like my name off them accounts. My mother stopped paying these accounts and left them neglected but now they 're showing up on my credit report and I never wanted to be a user. \n : Company chooses not to provide a public response"},{"Question":"XXXX has a loan out on my credit that has been a closed acc \n","text":"Company chooses not to provide a public response","context":": XXXX has a loan out on my credit that has been a closed acc \n : Company chooses not to provide a public response"},{"Question":"i have a loan from XXXX showing its false \n","text":"Company chooses not to provide a public response","context":": i have a loan from XXXX showing its false \n : Company chooses not to provide a public response"},{"Question":"I closed this account when the balance was XXXX in 2008.This bank continues to add interest and keeps the account open. \n","text":"Company chooses not to provide a public response","context":": I closed this account when the balance was XXXX in 2008.This bank continues to add interest and keeps the account open. \n : Company chooses not to provide a public response"},{"Question":"For the last few weeks I have been receiving calls from the Focus Receivables regarding 'a debt '. None of the calls ( always an automated recording ) provide any details. I 'm not aware of any debts. \n","text":"Company can't verify or dispute the facts in the complaint","context":": For the last few weeks I have been receiving calls from the Focus Receivables regarding 'a debt '. None of the calls ( always an automated recording ) provide any details. I 'm not aware of any debts. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"recd text from XXXXXXXXXXXX \n","text":"Company chooses not to provide a public response","context":": recd text from XXXXXXXXXXXX \n : Company chooses not to provide a public response"},{"Question":"FST NAT COLL XXXX XXXX XX\/XX\/XXXX Open $ XXXX never signed contract and reported fraud. Open since XX\/XX\/XXXXFIRST NATIONAL COLLECTIOXXXX XXXX XXXX, XXXX ( XXXX ) XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": FST NAT COLL XXXX XXXX XX\/XX\/XXXX Open $ XXXX never signed contract and reported fraud. Open since XX\/XX\/XXXXFIRST NATIONAL COLLECTIOXXXX XXXX XXXX, XXXX ( XXXX ) XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"false info from XXXX cancelled deal. \n","text":"Company chooses not to provide a public response","context":": false info from XXXX cancelled deal. \n : Company chooses not to provide a public response"},{"Question":"Bank of America is only paying part of my payment {$140.00} not {$430.00} towards my mortgage as loan I signed. I do not have escrow, I pay all of my taxes and insurance. This is reported as negative to XXXX. \n","text":"Company chooses not to provide a public response","context":": Bank of America is only paying part of my payment {$140.00} not {$430.00} towards my mortgage as loan I signed. I do not have escrow, I pay all of my taxes and insurance. This is reported as negative to XXXX. \n : Company chooses not to provide a public response"},{"Question":"deal was cancelled car was broke XXXX said it was repossed please remove \n","text":"Company chooses not to provide a public response","context":": deal was cancelled car was broke XXXX said it was repossed please remove \n : Company chooses not to provide a public response"},{"Question":"A third party dept collector has continued to call my cell phone on behalf of BOA. My account is fully current yet the calls the continue. I have filed numerous complaints and made multiple requests for BOA to stop unauthorized calls to my cell phone but nothing is changing. \n","text":"Company chooses not to provide a public response","context":": A third party dept collector has continued to call my cell phone on behalf of BOA. My account is fully current yet the calls the continue. I have filed numerous complaints and made multiple requests for BOA to stop unauthorized calls to my cell phone but nothing is changing. \n : Company chooses not to provide a public response"},{"Question":"Debt collectors keep calling about a debt that I do not owe on, I told them numerous times to stop calling and they keep calling every hour, harassing me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt collectors keep calling about a debt that I do not owe on, I told them numerous times to stop calling and they keep calling every hour, harassing me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Lender was unable to explain to me why my balance owed is more than originally presented to me at application. \n","text":"Company disputes the facts presented in the complaint","context":": Lender was unable to explain to me why my balance owed is more than originally presented to me at application. \n : Company disputes the facts presented in the complaint"},{"Question":"I properly disputed an invalid obsolete account XXXX times and the account is over 7 years old and Experian refused to properly investigate or delete. Please see attached. \n","text":"Company chooses not to provide a public response","context":": I properly disputed an invalid obsolete account XXXX times and the account is over 7 years old and Experian refused to properly investigate or delete. Please see attached. \n : Company chooses not to provide a public response"},{"Question":"Select Porfolio Servicing continues to leave notes outside my door. I would like it to stop \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Select Porfolio Servicing continues to leave notes outside my door. I would like it to stop \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I properly disputed an invalid obsolete account three times and the account is over 7 years old and TransUnion refused to properly investigate or delete. Please see attached. \n","text":"Company chooses not to provide a public response","context":": I properly disputed an invalid obsolete account three times and the account is over 7 years old and TransUnion refused to properly investigate or delete. Please see attached. \n : Company chooses not to provide a public response"},{"Question":"I properly disputed an invalid obsolete account three times and the account is over 7 years old and BMO Harris Bank refused to properly investigate or cease attempting to collect. \n","text":"Company chooses not to provide a public response","context":": I properly disputed an invalid obsolete account three times and the account is over 7 years old and BMO Harris Bank refused to properly investigate or cease attempting to collect. \n : Company chooses not to provide a public response"},{"Question":"I AM PROVIDING A COPY OF THE NECESSARY DOCUMENTS REQUIRED FOR A IDENTITY THEFT REPORT PURSUANT TO THE FCRA 605B. \n","text":"Company chooses not to provide a public response","context":": I AM PROVIDING A COPY OF THE NECESSARY DOCUMENTS REQUIRED FOR A IDENTITY THEFT REPORT PURSUANT TO THE FCRA 605B. \n : Company chooses not to provide a public response"},{"Question":"This bill was paid off. I contacted XXXX XXXX at that time since I was employed and had a low income status, such as currently and they erased the hospital debts 100 %. I also had the same with XXXX health systems. I make around only XXXX right now. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This bill was paid off. I contacted XXXX XXXX at that time since I was employed and had a low income status, such as currently and they erased the hospital debts 100 %. I also had the same with XXXX health systems. I make around only XXXX right now. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received at least XXXX emails regarding a credit card that was activated in my name, which I do not have and did not apply for. \n","text":"Company chooses not to provide a public response","context":": I received at least XXXX emails regarding a credit card that was activated in my name, which I do not have and did not apply for. \n : Company chooses not to provide a public response"},{"Question":"After requesting my email address be removed from Lending Trees obsessive advertising each time I log on I can not get it stopped. \nPlease help with this simple request : I want my email address dropped from Lending Trees advertising. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": After requesting my email address be removed from Lending Trees obsessive advertising each time I log on I can not get it stopped. \nPlease help with this simple request : I want my email address dropped from Lending Trees advertising. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I did not receive notice from this company of my right to dispute this alleged debt. \n","text":"Company disputes the facts presented in the complaint","context":": I did not receive notice from this company of my right to dispute this alleged debt. \n : Company disputes the facts presented in the complaint"},{"Question":"I can not get anyone in the company to respond to my repeated phone calls and emails. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I can not get anyone in the company to respond to my repeated phone calls and emails. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Since I was not using enough the credit card, they have closed the account. \nNo notification or warning was given to me to avoid having a negative impact on my credit score and penalizing my credibility \n","text":"Company chooses not to provide a public response","context":": Since I was not using enough the credit card, they have closed the account. \nNo notification or warning was given to me to avoid having a negative impact on my credit score and penalizing my credibility \n : Company chooses not to provide a public response"},{"Question":"XXXX and XXXX Is reaging a debt that was charged off XX\/XX\/2009 by continental finance and they are reporting this as a new collection on my credit reports \n","text":"Company chooses not to provide a public response","context":": XXXX and XXXX Is reaging a debt that was charged off XX\/XX\/2009 by continental finance and they are reporting this as a new collection on my credit reports \n : Company chooses not to provide a public response"},{"Question":"I have filed complaints with Experian about getting my credit report and Score and fixing anything that is not right on my credit report. \nI want my credit report and score so that I can see what is on it. \nMy credit report should not have any thing negative on it. \n","text":"Company chooses not to provide a public response","context":": I have filed complaints with Experian about getting my credit report and Score and fixing anything that is not right on my credit report. \nI want my credit report and score so that I can see what is on it. \nMy credit report should not have any thing negative on it. \n : Company chooses not to provide a public response"},{"Question":"CMRE has failed to respond to my letters. I have requested a validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from CMRE and they continue to report it on my credit report. \n","text":"Company chooses not to provide a public response","context":": CMRE has failed to respond to my letters. I have requested a validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from CMRE and they continue to report it on my credit report. \n : Company chooses not to provide a public response"},{"Question":"I have written Experian numerous times asking for this to be addressed to no avail. \nXXXX XXXX # XXXX is not a collection\/chargeoff. The car was repossessed and I paid to get it back. \nI need this information corrected to show the XXXX balance and date paid\/closed. \n","text":"Company chooses not to provide a public response","context":": I have written Experian numerous times asking for this to be addressed to no avail. \nXXXX XXXX # XXXX is not a collection\/chargeoff. The car was repossessed and I paid to get it back. \nI need this information corrected to show the XXXX balance and date paid\/closed. \n : Company chooses not to provide a public response"},{"Question":"I received a bill for a \" expedited payoff ''. I did not request this therefore is does not belong to me, nor did I agree to this! \n","text":"Company chooses not to provide a public response","context":": I received a bill for a \" expedited payoff ''. I did not request this therefore is does not belong to me, nor did I agree to this! \n : Company chooses not to provide a public response"},{"Question":"I have written Experian several times to no avail. XXXX # XXXX is a repossession and they payment history needs to reflect the date of repossession. This is not a recurring chargeoff\/collection. \n","text":"Company chooses not to provide a public response","context":": I have written Experian several times to no avail. XXXX # XXXX is a repossession and they payment history needs to reflect the date of repossession. This is not a recurring chargeoff\/collection. \n : Company chooses not to provide a public response"},{"Question":"i received a phone call stating that I owed a lot of money to the state and whenI looked more into it I noticed that there was a lot of information on my creditreport that was incorrect \n","text":"Company chooses not to provide a public response","context":": i received a phone call stating that I owed a lot of money to the state and whenI looked more into it I noticed that there was a lot of information on my creditreport that was incorrect \n : Company chooses not to provide a public response"},{"Question":"I have written Transunion for help but to no avail. XXXX XXXX # XXXX is showing in the payment history as a recurring chargeoff\/collection. This is inaccurate, it was a repossession. \n","text":"Company chooses not to provide a public response","context":": I have written Transunion for help but to no avail. XXXX XXXX # XXXX is showing in the payment history as a recurring chargeoff\/collection. This is inaccurate, it was a repossession. \n : Company chooses not to provide a public response"},{"Question":"I have paid this tax lien in 2014 and it is still is on my credit report. It started with an over payment from employment department, which was paid back by taking part of my tax return. My bankruptcy attorney told me this. I have called on this but keep getting the run around. \n","text":"Company chooses not to provide a public response","context":": I have paid this tax lien in 2014 and it is still is on my credit report. It started with an over payment from employment department, which was paid back by taking part of my tax return. My bankruptcy attorney told me this. I have called on this but keep getting the run around. \n : Company chooses not to provide a public response"},{"Question":"This should never been on my credit, this was paid in full and equipment was returned to the XXXX, CA XXXX XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": This should never been on my credit, this was paid in full and equipment was returned to the XXXX, CA XXXX XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"Last year my ss number was stolen by a worker at XXXX XXXX tax preparation. XXXX one IRS identity fraud told me to call was my bank. Talked to manager and she did nothing. Now i have money stolen from my bank through my debit card and they wo n't give me my money back. Please help \n","text":"Company chooses not to provide a public response","context":": Last year my ss number was stolen by a worker at XXXX XXXX tax preparation. XXXX one IRS identity fraud told me to call was my bank. Talked to manager and she did nothing. Now i have money stolen from my bank through my debit card and they wo n't give me my money back. Please help \n : Company chooses not to provide a public response"},{"Question":"wages are garnished as of XX\/XX\/2015. was not aware until that day. contacted employer and they sent me the court order. all conversations are recorded. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": wages are garnished as of XX\/XX\/2015. was not aware until that day. contacted employer and they sent me the court order. all conversations are recorded. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Husband opened a credit card account ; his signature only. Card owner is now deceased. His balance shows up on my credit report. Utah law states that the spouse is not responsible for his credit card debt. Would like to have debt removed from my credit card report and score. \n","text":"Company chooses not to provide a public response","context":": Husband opened a credit card account ; his signature only. Card owner is now deceased. His balance shows up on my credit report. Utah law states that the spouse is not responsible for his credit card debt. Would like to have debt removed from my credit card report and score. \n : Company chooses not to provide a public response"},{"Question":"The debt to Receivables Performance has been paid in full. The debt has been satisfied. \n","text":"Company chooses not to provide a public response","context":": The debt to Receivables Performance has been paid in full. The debt has been satisfied. \n : Company chooses not to provide a public response"},{"Question":"I was a cosigner for the rent of this apartment and my ex wife was living there and she was the owner of the contract and I was checking my credit and appears under my name only it says individual account,, and this account is not mine \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was a cosigner for the rent of this apartment and my ex wife was living there and she was the owner of the contract and I was checking my credit and appears under my name only it says individual account,, and this account is not mine \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"still no credit report issued. it is preventing me from refinancing my home \n","text":"Company chooses not to provide a public response","context":": still no credit report issued. it is preventing me from refinancing my home \n : Company chooses not to provide a public response"},{"Question":"The bill from XXXX was incurred after equipment was returned to XXXX \n","text":"Company chooses not to provide a public response","context":": The bill from XXXX was incurred after equipment was returned to XXXX \n : Company chooses not to provide a public response"},{"Question":"XXXX charges were after equipment was returned \n","text":"Company chooses not to provide a public response","context":": XXXX charges were after equipment was returned \n : Company chooses not to provide a public response"},{"Question":"Bank of America promise me to modify the loan and ask me for several paperwork over the course of two years but in the end are foreclosing my home on XXXX XXXX 2015. \n","text":"Company chooses not to provide a public response","context":": Bank of America promise me to modify the loan and ask me for several paperwork over the course of two years but in the end are foreclosing my home on XXXX XXXX 2015. \n : Company chooses not to provide a public response"},{"Question":"Vehicle financed with XXXX # XXXX shows on Report as Voluntary Surrender. Loan was not Mine, but My husbands and is which was traded in and balance Paid in full to XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": Vehicle financed with XXXX # XXXX shows on Report as Voluntary Surrender. Loan was not Mine, but My husbands and is which was traded in and balance Paid in full to XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Paypal will not release my funds since XXXX\/XXXX\/15, withholding for 180 days until XXXX\/XXXX\/15, unlawful violation of \" Regulation CC ''. XXXX XXXX, acct # XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX. My contact number XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Paypal will not release my funds since XXXX\/XXXX\/15, withholding for 180 days until XXXX\/XXXX\/15, unlawful violation of \" Regulation CC ''. XXXX XXXX, acct # XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX. My contact number XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This company do have Surety Bond with Texas Debt Collection Practices Act, Sec 392.102 \n","text":"Company chooses not to provide a public response","context":": This company do have Surety Bond with Texas Debt Collection Practices Act, Sec 392.102 \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX is threatening to send my file to a collection agency and file on my credit reports even though I am paying every month. \n","text":"Company disputes the facts presented in the complaint","context":": XXXX XXXX XXXX is threatening to send my file to a collection agency and file on my credit reports even though I am paying every month. \n : Company disputes the facts presented in the complaint"},{"Question":"My loan was approved \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My loan was approved \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I paid the loan off XXXX on a car loan XXXX years ago ons it is still on my credit report I talked XXXX and they said it was up to the. Credit bureaus to take it of I want it off I paid the money to pay my loan off so discusted \n","text":"Company chooses not to provide a public response","context":": I paid the loan off XXXX on a car loan XXXX years ago ons it is still on my credit report I talked XXXX and they said it was up to the. Credit bureaus to take it of I want it off I paid the money to pay my loan off so discusted \n : Company chooses not to provide a public response"},{"Question":"There is a collation on my XXXX and XXXX report that does not belong to me I 'm a victim of identity theft \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": There is a collation on my XXXX and XXXX report that does not belong to me I 'm a victim of identity theft \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am attempting to avoid a foreclosure sale. I have applied for mortgage assistance. I have received no written decision. If I was declined, I was not provided my 30 day right to appeal. If I was approved, I have not received my written approval. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am attempting to avoid a foreclosure sale. I have applied for mortgage assistance. I have received no written decision. If I was declined, I was not provided my 30 day right to appeal. If I was approved, I have not received my written approval. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Card was placed on \" Fraud Early Detection Hold '' and I was not notified by the company for 36 hours. During this time I was unable to use my credit card. I feel they violated the terms of service by withholding access to my account without proper notification. \n","text":"Company chooses not to provide a public response","context":": Card was placed on \" Fraud Early Detection Hold '' and I was not notified by the company for 36 hours. During this time I was unable to use my credit card. I feel they violated the terms of service by withholding access to my account without proper notification. \n : Company chooses not to provide a public response"},{"Question":"Some credit agencies have my address as a XXXX address. That is not my address that is my fathers address. Mine is XXXX XXXX not XXXX. I 've attached proof of identity and address. My drivers license \n","text":"Company chooses not to provide a public response","context":": Some credit agencies have my address as a XXXX address. That is not my address that is my fathers address. Mine is XXXX XXXX not XXXX. I 've attached proof of identity and address. My drivers license \n : Company chooses not to provide a public response"},{"Question":"I 've asked this collection agency to not call me at work and keeps doing it. I just started working here in XX\/XX\/XXXX and I 'm afraid they are jeopardizing my new job with personal phone calls. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I 've asked this collection agency to not call me at work and keeps doing it. I just started working here in XX\/XX\/XXXX and I 'm afraid they are jeopardizing my new job with personal phone calls. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I financed a vehicle through Ally Financial in XX\/XX\/XXXX. I missed XXXX payment and was unable to pay the late fees which accumulated and turned into payments. Although I continued making the payments. The car was repossessed in XX\/XX\/XXXX when the late fees totaled XXXX car payments. \n","text":"Company chooses not to provide a public response","context":": I financed a vehicle through Ally Financial in XX\/XX\/XXXX. I missed XXXX payment and was unable to pay the late fees which accumulated and turned into payments. Although I continued making the payments. The car was repossessed in XX\/XX\/XXXX when the late fees totaled XXXX car payments. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I have spoken to XXXX and reinstated my account with them and paid them current. They said if I did that the collection would be removed and it has not been. I need this corrected. \n","text":"Company chooses not to provide a public response","context":": I have spoken to XXXX and reinstated my account with them and paid them current. They said if I did that the collection would be removed and it has not been. I need this corrected. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Continuous phone calls several times daily-now calling siblings at work. Payment is not over 30 days. Repeatedly asked not to call. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Continuous phone calls several times daily-now calling siblings at work. Payment is not over 30 days. Repeatedly asked not to call. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is a collection account was reported to credit bureaus but did not recieve dunning notice from collection agency \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": There is a collection account was reported to credit bureaus but did not recieve dunning notice from collection agency \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"There is a derogatory mark on my report from Bank of American in my credit report. \n","text":"Company chooses not to provide a public response","context":": There is a derogatory mark on my report from Bank of American in my credit report. \n : Company chooses not to provide a public response"},{"Question":"I HAD MEDICAL INSURANCE AT THE TIME OF THE SAID DEBT COLLECTION CREATION DATE. I HAVE MADE MULTIPLE ATTEMPTS TO CONTACT THIS CREDITOR AND THE ONLY THING THEY HAVE SENT ME IS A LETTER SHOWING I HAD A MEDICAL EXAM. THIS IS NOT RIGHT \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I HAD MEDICAL INSURANCE AT THE TIME OF THE SAID DEBT COLLECTION CREATION DATE. I HAVE MADE MULTIPLE ATTEMPTS TO CONTACT THIS CREDITOR AND THE ONLY THING THEY HAVE SENT ME IS A LETTER SHOWING I HAD A MEDICAL EXAM. THIS IS NOT RIGHT \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"take the excessive hard inquiries from XXXX XXXX 2015 off credit report. only XXXX authorized was XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": take the excessive hard inquiries from XXXX XXXX 2015 off credit report. only XXXX authorized was XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"only autorized XXXX pull on XXXX XXXX 2015 and that was XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": only autorized XXXX pull on XXXX XXXX 2015 and that was XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"There is an account listed as in collections from XXXX XXXX. I do not know where this account came from as I have never been to XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": There is an account listed as in collections from XXXX XXXX. I do not know where this account came from as I have never been to XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"There is an account listed as in collections from Oregon XXXX XXXX XXXX. I have this account set up on automatic debits from my checking account for monthly payments. I have never missed a payment. \n","text":"Company chooses not to provide a public response","context":": There is an account listed as in collections from Oregon XXXX XXXX XXXX. I have this account set up on automatic debits from my checking account for monthly payments. I have never missed a payment. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"They have listed on my Credit Report that the debt was incurred in XX\/XX\/XXXX. \n\nThis is impossible since I have not been a member of XXXX XXXX XXXX California since XX\/XX\/XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They have listed on my Credit Report that the debt was incurred in XX\/XX\/XXXX. \n\nThis is impossible since I have not been a member of XXXX XXXX XXXX California since XX\/XX\/XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I HAVE NO PAST DUE AMOUNT WITH THIS COMPANY. WE MOVED OUT BC OF UNSAFE LIVING CONDITIONS AND WE WERE TOLD WE DID NOT OWE ANYTHING \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I HAVE NO PAST DUE AMOUNT WITH THIS COMPANY. WE MOVED OUT BC OF UNSAFE LIVING CONDITIONS AND WE WERE TOLD WE DID NOT OWE ANYTHING \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"PARAMOUNT IS TRYING TO COLLECT ON A DEBT PAID THROUGH MY MEDICAL INSURANCE. THEY HAVE ALSO BEEN HARASSING ME \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": PARAMOUNT IS TRYING TO COLLECT ON A DEBT PAID THROUGH MY MEDICAL INSURANCE. THEY HAVE ALSO BEEN HARASSING ME \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have an account reporting negatively on my report that I have never been late on and that I was on XXXX for. I have to documentation to show that I have never had any type of late payment and that I was on XXXX and it should be removed. \n","text":"Company chooses not to provide a public response","context":": I have an account reporting negatively on my report that I have never been late on and that I was on XXXX for. I have to documentation to show that I have never had any type of late payment and that I was on XXXX and it should be removed. \n : Company chooses not to provide a public response"},{"Question":"I was charged a {$36.00} NSF charge for an item to posted and my account did not have an negative posted balance. I was told it was because I had items pending that is still pending as of today XXXX\/XXXX\/15 and the transaction posted to my account on XXXX\/XXXX\/15. \n","text":"Company chooses not to provide a public response","context":": I was charged a {$36.00} NSF charge for an item to posted and my account did not have an negative posted balance. I was told it was because I had items pending that is still pending as of today XXXX\/XXXX\/15 and the transaction posted to my account on XXXX\/XXXX\/15. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX is reporting a collection for a timeshare that has been paid off for years. I never stayed there, paid all my maintenance fees up to the time I told the company they could have it back and sell it to someone else!!! \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX is reporting a collection for a timeshare that has been paid off for years. I never stayed there, paid all my maintenance fees up to the time I told the company they could have it back and sell it to someone else!!! \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"The company Pro Collect has been calling my # for over a year daily sometimes XXXX times. I 've spoken with them XXXX times to explain I am not XXXX XXXX I do n't know her. They continue to call. \n","text":"Company chooses not to provide a public response","context":": The company Pro Collect has been calling my # for over a year daily sometimes XXXX times. I 've spoken with them XXXX times to explain I am not XXXX XXXX I do n't know her. They continue to call. \n : Company chooses not to provide a public response"},{"Question":"Please have experian update my credit report on Docket number XXXX from satisfied to vacated enclosed is a signed agreement to vacate from plaintiff attorney \n","text":"Company chooses not to provide a public response","context":": Please have experian update my credit report on Docket number XXXX from satisfied to vacated enclosed is a signed agreement to vacate from plaintiff attorney \n : Company chooses not to provide a public response"},{"Question":"Placed on a hold on deposit funds even though they verified the funds available when I deposited XXXX checks in the savings account. I was told that even thought the funds have been verified that do to the large amount I had to wait until the XXXX until the hold expires. \n","text":"Company chooses not to provide a public response","context":": Placed on a hold on deposit funds even though they verified the funds available when I deposited XXXX checks in the savings account. I was told that even thought the funds have been verified that do to the large amount I had to wait until the XXXX until the hold expires. \n : Company chooses not to provide a public response"},{"Question":"I have been getting wrongfully charged overdraft fees since since XXXX by Regions bank. \n","text":"Company chooses not to provide a public response","context":": I have been getting wrongfully charged overdraft fees since since XXXX by Regions bank. \n : Company chooses not to provide a public response"},{"Question":"I have been trying to get a credit report from all XXXX bureaus. I have received experian, but i did not recieve on from trans unions or XXXX. They said i have recieved one already even though i have not. If i can get the issue resolved fast I would appreciate it \n","text":"Company chooses not to provide a public response","context":": I have been trying to get a credit report from all XXXX bureaus. I have received experian, but i did not recieve on from trans unions or XXXX. They said i have recieved one already even though i have not. If i can get the issue resolved fast I would appreciate it \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Completed chapter XXXX and paid off taxes, both state and federal. I have contacted XXXX and my report still shows liens by the FED and State. \n","text":"Company chooses not to provide a public response","context":": Completed chapter XXXX and paid off taxes, both state and federal. I have contacted XXXX and my report still shows liens by the FED and State. \n : Company chooses not to provide a public response"},{"Question":"I am receiving calls for credit card debt for a person that does live in my home. \n","text":"Company chooses not to provide a public response","context":": I am receiving calls for credit card debt for a person that does live in my home. \n : Company chooses not to provide a public response"},{"Question":"I am getting called and harassed for a debt belonging to a sibling. I have related this info to the debtor before. Once I took the message and hung up the rep called me right back away to annoy me. Therefore breaking FDCPA law and harassing a client once contact was already made. \n","text":"Company chooses not to provide a public response","context":": I am getting called and harassed for a debt belonging to a sibling. I have related this info to the debtor before. Once I took the message and hung up the rep called me right back away to annoy me. Therefore breaking FDCPA law and harassing a client once contact was already made. \n : Company chooses not to provide a public response"},{"Question":"After making a payment for the exact amount owed on a credit card, and within XXXX days of the billing cycle, Bank of America added a {$1.00} charge labeled as both \" interest '' and a \" fee. '' This is misleading since this is a fee-free account. \n","text":"Company chooses not to provide a public response","context":": After making a payment for the exact amount owed on a credit card, and within XXXX days of the billing cycle, Bank of America added a {$1.00} charge labeled as both \" interest '' and a \" fee. '' This is misleading since this is a fee-free account. \n : Company chooses not to provide a public response"},{"Question":"My loan was transferred to a company with a horrible record of misappropriating escrow accounts and causing numerous other financial hardships. Do I have any recourse or say in this matter so that I may prevent the same issues from happening to me? \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My loan was transferred to a company with a horrible record of misappropriating escrow accounts and causing numerous other financial hardships. Do I have any recourse or say in this matter so that I may prevent the same issues from happening to me? \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"unauthorized inquiries on XXXX XXXX, 2015 \n","text":"Company chooses not to provide a public response","context":": unauthorized inquiries on XXXX XXXX, 2015 \n : Company chooses not to provide a public response"},{"Question":"My mortgage company did not pay my homeowners insurance ; and, now my policy has lapsed. \n","text":"Company believes complaint is the result of an isolated error","context":": My mortgage company did not pay my homeowners insurance ; and, now my policy has lapsed. \n : Company believes complaint is the result of an isolated error"},{"Question":"They have not communicated directly with us, with proof that they actually hold the debt, what the current balance is, and how to pay it. \n","text":"Company chooses not to provide a public response","context":": They have not communicated directly with us, with proof that they actually hold the debt, what the current balance is, and how to pay it. \n : Company chooses not to provide a public response"},{"Question":"Charged interest after promotional APR ended. I paid in full before due date. Still hit with interest charges of {$64.00}. \n","text":"Company chooses not to provide a public response","context":": Charged interest after promotional APR ended. I paid in full before due date. Still hit with interest charges of {$64.00}. \n : Company chooses not to provide a public response"},{"Question":"Cach LLC has contacted me repeadly to collect on a debt I do not owe, and they have not responded to my request for debt validation. \n","text":"Company chooses not to provide a public response","context":": Cach LLC has contacted me repeadly to collect on a debt I do not owe, and they have not responded to my request for debt validation. \n : Company chooses not to provide a public response"},{"Question":"Please see the attached narrative complaint and exhibits. This complaint is about unearned fees, unearned interest, and credit reporting all after the consumer canceled the card. \n","text":"Company chooses not to provide a public response","context":": Please see the attached narrative complaint and exhibits. This complaint is about unearned fees, unearned interest, and credit reporting all after the consumer canceled the card. \n : Company chooses not to provide a public response"},{"Question":"I for one never recieved a bill on this debt and for two i called the hospital where the debt is from and they said they dont have any outstanding bill for me because i never even went to the er at or around this time. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I for one never recieved a bill on this debt and for two i called the hospital where the debt is from and they said they dont have any outstanding bill for me because i never even went to the er at or around this time. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"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","text":"Company can't verify or dispute the facts in the complaint","context":": 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 : Company can't verify or dispute the facts in the complaint"},{"Question":"I owe an apartment complex money so i called and thwy gave me the number to pro collect ... who can not fibd anything XXXX my name or ss # ..and there was no account number kisted on my credit report \n","text":"Company chooses not to provide a public response","context":": I owe an apartment complex money so i called and thwy gave me the number to pro collect ... who can not fibd anything XXXX my name or ss # ..and there was no account number kisted on my credit report \n : Company chooses not to provide a public response"},{"Question":"I have sent in request for corrections, updating or removal of XXXX, XXXX XXXX XXXX WHICH ARE PAID IN FULL. I HAVE SENT REQUEST TO THE BANKS AND WAS GIVEN STATEMENT OF PAID. XXXX HAVE MADE CORRECTIONS BUT THE ABOVE AGENCIES HAVE NOT. \n","text":"Company chooses not to provide a public response","context":": I have sent in request for corrections, updating or removal of XXXX, XXXX XXXX XXXX WHICH ARE PAID IN FULL. I HAVE SENT REQUEST TO THE BANKS AND WAS GIVEN STATEMENT OF PAID. XXXX HAVE MADE CORRECTIONS BUT THE ABOVE AGENCIES HAVE NOT. \n : Company chooses not to provide a public response"},{"Question":"Hi, In 2009 We did a shot sale on my real estate property ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), not foreclosure. In my account it 's showing as foreclosure. Please find the attached prof of document. \n\nPlease investigate and update my report. \n","text":"Company chooses not to provide a public response","context":": Hi, In 2009 We did a shot sale on my real estate property ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), not foreclosure. In my account it 's showing as foreclosure. Please find the attached prof of document. \n\nPlease investigate and update my report. \n : Company chooses not to provide a public response"},{"Question":"I paid the debt over a year ago from XXXX XXXX XXXX. They closed my account, however Trans Union has yet to report the account closed. \n","text":"Company chooses not to provide a public response","context":": I paid the debt over a year ago from XXXX XXXX XXXX. They closed my account, however Trans Union has yet to report the account closed. \n : Company chooses not to provide a public response"},{"Question":"SOME XXXX XXXX SPELLED MY NAME FROM XXXX TO XXXX I NEED TO GET THAT REMOVED I BELIEVE IT WAS JUST A MISS SPELLING OF MY LAST NAME THANK YOU \n","text":"Company chooses not to provide a public response","context":": SOME XXXX XXXX SPELLED MY NAME FROM XXXX TO XXXX I NEED TO GET THAT REMOVED I BELIEVE IT WAS JUST A MISS SPELLING OF MY LAST NAME THANK YOU \n : Company chooses not to provide a public response"},{"Question":"I am getting a report that has told me some one has open a mortgage in my name and credit my credit score is now down I believe because of it. I have not open a mortgage loan at all. \n","text":"Company chooses not to provide a public response","context":": I am getting a report that has told me some one has open a mortgage in my name and credit my credit score is now down I believe because of it. I have not open a mortgage loan at all. \n : Company chooses not to provide a public response"},{"Question":"Dear CFPB, I recently applied to access my credit with XXXX and was denied based on insufficient credit file and some type of garnishment or suit that appears only on my credit file reported by XXXX. \n","text":"Company chooses not to provide a public response","context":": Dear CFPB, I recently applied to access my credit with XXXX and was denied based on insufficient credit file and some type of garnishment or suit that appears only on my credit file reported by XXXX. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"AARGON KEEPS CALLING MY NO. IN VIOLATION OF T.C.P.A. \nTHE PHONE CALLS ARE FOR A 3RD PARTY, XXXX XXXX XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": AARGON KEEPS CALLING MY NO. IN VIOLATION OF T.C.P.A. \nTHE PHONE CALLS ARE FOR A 3RD PARTY, XXXX XXXX XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The marketing companies only said they would take me off, but thought I was interested in offers. \n","text":"Company chooses not to provide a public response","context":": The marketing companies only said they would take me off, but thought I was interested in offers. \n : Company chooses not to provide a public response"},{"Question":"In my credit report, it shows my brother information and mine. I think my brother and I are mix together. Some information are my brother. Please help me to correct my credit report. My phone number is XXXX. If any information want to know, connect me. Thank you! \n","text":"Company chooses not to provide a public response","context":": In my credit report, it shows my brother information and mine. I think my brother and I are mix together. Some information are my brother. Please help me to correct my credit report. My phone number is XXXX. If any information want to know, connect me. Thank you! \n : Company chooses not to provide a public response"},{"Question":"Hello my name on the Transunion credit report has my name as XXXX XXXX XXXX. I do not have a middle name. My full name is XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": Hello my name on the Transunion credit report has my name as XXXX XXXX XXXX. I do not have a middle name. My full name is XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I have been harassed, called before XXXX my time, been harassed even after I obtained and Attorney for Bankruptcy, called name ... .The list go 's on and on \n","text":"Company chooses not to provide a public response","context":": I have been harassed, called before XXXX my time, been harassed even after I obtained and Attorney for Bankruptcy, called name ... .The list go 's on and on \n : Company chooses not to provide a public response"},{"Question":"International Collection Systems, Inc. of XXXX XXXX XXXX XXXX, AZ, has called repeatedly, sometimes XXXX times per day, and sent threatening letters to my address, as well as contacted my extended family in order to collect a debt. The language used over the phone was threatening. \n","text":"Company disputes the facts presented in the complaint","context":": International Collection Systems, Inc. of XXXX XXXX XXXX XXXX, AZ, has called repeatedly, sometimes XXXX times per day, and sent threatening letters to my address, as well as contacted my extended family in order to collect a debt. The language used over the phone was threatening. \n : Company disputes the facts presented in the complaint"},{"Question":"FAURWAY KEEPS CALLING IN VIOLATION OF T.C.P.A. SEVERAL NUMBERS CONTACTED SINCE XXXX LIKE : ( XXXX ) XXXX, ( XXXX ) XXXX & XXXX, ( XXXX XXXX & XXXX, ( XXXX ) XXXX AND ( XXXX ) XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": FAURWAY KEEPS CALLING IN VIOLATION OF T.C.P.A. SEVERAL NUMBERS CONTACTED SINCE XXXX LIKE : ( XXXX ) XXXX, ( XXXX ) XXXX & XXXX, ( XXXX XXXX & XXXX, ( XXXX ) XXXX AND ( XXXX ) XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is a charge that said XXXX then a creditor took it and charging me for debt i do not have. \n","text":"Company chooses not to provide a public response","context":": There is a charge that said XXXX then a creditor took it and charging me for debt i do not have. \n : Company chooses not to provide a public response"},{"Question":"XXXX has posses a 7 seven year old bill on my credit report. \n","text":"Company chooses not to provide a public response","context":": XXXX has posses a 7 seven year old bill on my credit report. \n : Company chooses not to provide a public response"},{"Question":"account was paid off on XXXX\/XXXX\/15. Confirmation # XXXX. Need to delete this from my all XXXX of the credit reports. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": account was paid off on XXXX\/XXXX\/15. Confirmation # XXXX. Need to delete this from my all XXXX of the credit reports. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Wells Fargo let an online card take money from my card without my permission. \nthat is an insult to the customer. \ni want my XXXX dollars back. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo let an online card take money from my card without my permission. \nthat is an insult to the customer. \ni want my XXXX dollars back. \n : Company chooses not to provide a public response"},{"Question":"There is a collection agency which was retrieved my personal information without my consent and did not notify about the nature of their grievance. I 've never heard about Central Credit Services and have never conducted any business with them. \n","text":"Company chooses not to provide a public response","context":": There is a collection agency which was retrieved my personal information without my consent and did not notify about the nature of their grievance. I 've never heard about Central Credit Services and have never conducted any business with them. \n : Company chooses not to provide a public response"},{"Question":"A Collection Agency called Capital Management has some personal information about my finances and they say I have a debt. I have never heard about this agency. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": A Collection Agency called Capital Management has some personal information about my finances and they say I have a debt. I have never heard about this agency. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Santander Bank N.A has reported to the XXXX XXXX that I owe them the amount of {$330.00}. I have never had an amount with this bank nor have I made any business with these people. \n","text":"Company chooses not to provide a public response","context":": Santander Bank N.A has reported to the XXXX XXXX that I owe them the amount of {$330.00}. I have never had an amount with this bank nor have I made any business with these people. \n : Company chooses not to provide a public response"},{"Question":"There is a bankruptcy filed in 2005 on my report. This bankruptcy was filed by my son XXXX XXXX XXXX not by me. I am XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": There is a bankruptcy filed in 2005 on my report. This bankruptcy was filed by my son XXXX XXXX XXXX not by me. I am XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"XXXX continues to show that the account is closed and has no balance or payment history. This account is open, has a balance and is paid XXXX monthly. \nAttached is my verification of mortgage, an account ledger from XXXX and my monthly statement. \n","text":"Company chooses not to provide a public response","context":": XXXX continues to show that the account is closed and has no balance or payment history. This account is open, has a balance and is paid XXXX monthly. \nAttached is my verification of mortgage, an account ledger from XXXX and my monthly statement. \n : Company chooses not to provide a public response"},{"Question":"They add fees to this account \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They add fees to this account \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This account was paid and closed by my employer XXXX \n","text":"Company chooses not to provide a public response","context":": This account was paid and closed by my employer XXXX \n : Company chooses not to provide a public response"},{"Question":"Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help \n","text":"Company chooses not to provide a public response","context":": Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help \n : Company chooses not to provide a public response"},{"Question":"According to my credit report there are XXXX payday loans XXXX for {$700.00} and another for {$750.00}, on my report, after disputing both of these items the amounts owe went from the above amounts to {$13000.00} for XXXX and {$14000.00} for the other. \n","text":"Company chooses not to provide a public response","context":": According to my credit report there are XXXX payday loans XXXX for {$700.00} and another for {$750.00}, on my report, after disputing both of these items the amounts owe went from the above amounts to {$13000.00} for XXXX and {$14000.00} for the other. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes the complaint is the result of a misunderstanding","context":": 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 : Company believes the complaint is the result of a misunderstanding"},{"Question":"I don, t have any XXXX XXXX account since 2013!!!!??? \nI live since 2013 at XXXX XXXX XXXX XXXX XXXX XXXX NY and I live with my friend as roommate sharing the payment of her bill under name XXXX XXXX!! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I don, t have any XXXX XXXX account since 2013!!!!??? \nI live since 2013 at XXXX XXXX XXXX XXXX XXXX XXXX NY and I live with my friend as roommate sharing the payment of her bill under name XXXX XXXX!! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"On a recent credit report the following address was listed as mine : XXXX XXXX XXXX XXXX, XXXX, Maryland, XXXX. I do not, nor never have, owned this property. \n","text":"Company chooses not to provide a public response","context":": On a recent credit report the following address was listed as mine : XXXX XXXX XXXX XXXX, XXXX, Maryland, XXXX. I do not, nor never have, owned this property. \n : Company chooses not to provide a public response"},{"Question":"American Service Co. has denied our Loan Modification due to \" more than XXXX units ''. My single family home has detached units that are grandfathered in by the City XXXX and the loan was originated with this status. \n","text":"Company chooses not to provide a public response","context":": American Service Co. has denied our Loan Modification due to \" more than XXXX units ''. My single family home has detached units that are grandfathered in by the City XXXX and the loan was originated with this status. \n : Company chooses not to provide a public response"},{"Question":"the apartment where I lived put I owe the XXXX on my credit report rent was paid on time never received any bill at new home for this amount checked credit report 5 months later to find out this was submitted on my credit \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": the apartment where I lived put I owe the XXXX on my credit report rent was paid on time never received any bill at new home for this amount checked credit report 5 months later to find out this was submitted on my credit \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is an address on my credit report that was reported on XX\/XX\/XXXX. I have lived at my residence since XX\/XX\/XXXX and still to this date. I can prove. If you can please check or remove this address it is not my residence. Thank you in advance. \n","text":"Company chooses not to provide a public response","context":": There is an address on my credit report that was reported on XX\/XX\/XXXX. I have lived at my residence since XX\/XX\/XXXX and still to this date. I can prove. If you can please check or remove this address it is not my residence. Thank you in advance. \n : Company chooses not to provide a public response"},{"Question":"In reviewing my credit report, I 've noticed an XXXX XXXX credit card opened in XXXX 2015. I do n't have an XXXX XXXX credit card and I have not opened any new credit card accounts. \n","text":"Company chooses not to provide a public response","context":": In reviewing my credit report, I 've noticed an XXXX XXXX credit card opened in XXXX 2015. I do n't have an XXXX XXXX credit card and I have not opened any new credit card accounts. \n : Company chooses not to provide a public response"},{"Question":"my sears cc account was closed XX\/XX\/2012 through a chapter XXXX bankruptcy however its listed as a charge off \"bad debt\" on my report. I have been trying to get this resolved for over a year as creditor error","text":"Company chooses not to provide a public response","context":": my sears cc account was closed XX\/XX\/2012 through a chapter XXXX bankruptcy however its listed as a charge off \"bad debt\" on my report. I have been trying to get this resolved for over a year as creditor error : Company chooses not to provide a public response"},{"Question":"This company called me at my work looking for my wife 's ex-husband. I do n't know how they got my information but they have called several times. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This company called me at my work looking for my wife 's ex-husband. I do n't know how they got my information but they have called several times. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have a XXXX derogatory accounts and other high balance debt accounts I have been trying to resolve for the past 6 months. Now these accounts have lowered my credit score by more than XXXX points and now I can not make any financial decisions until I resolve these accounts. \n","text":"Company chooses not to provide a public response","context":": I have a XXXX derogatory accounts and other high balance debt accounts I have been trying to resolve for the past 6 months. Now these accounts have lowered my credit score by more than XXXX points and now I can not make any financial decisions until I resolve these accounts. \n : Company chooses not to provide a public response"},{"Question":"Experian refuses to investigate disputes for XXXX XXXX and bankruptcy on my credit report. \n","text":"Company chooses not to provide a public response","context":": Experian refuses to investigate disputes for XXXX XXXX and bankruptcy on my credit report. \n : Company chooses not to provide a public response"},{"Question":"This debt is not owned by me. I have never owned a XXXX account and from confriming information supplied, i believe that my personal details were compromised by a leak of information steming from a XXXX company security breech in 2012. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This debt is not owned by me. I have never owned a XXXX account and from confriming information supplied, i believe that my personal details were compromised by a leak of information steming from a XXXX company security breech in 2012. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Barclay 's reported some negative marks on my credit report. I need some options to resolve this issue. \n","text":"Company chooses not to provide a public response","context":": Barclay 's reported some negative marks on my credit report. I need some options to resolve this issue. \n : Company chooses not to provide a public response"},{"Question":"Best Buy\/CBNA has contacted XXXX XXXX and XXXX and posted some negative marks on my credit report regarding a debt. I have not been presented with any options to resolved this problem. \n","text":"Company chooses not to provide a public response","context":": Best Buy\/CBNA has contacted XXXX XXXX and XXXX and posted some negative marks on my credit report regarding a debt. I have not been presented with any options to resolved this problem. \n : Company chooses not to provide a public response"},{"Question":"submitted a statement for bankruptcy account and they changed and reworded my statement now they will not let me remove statement. \n","text":"Company chooses not to provide a public response","context":": submitted a statement for bankruptcy account and they changed and reworded my statement now they will not let me remove statement. \n : Company chooses not to provide a public response"},{"Question":"CitiBank Credit Card Company has reported some negative marks on my Credit Report regarding a debt. \n","text":"Company chooses not to provide a public response","context":": CitiBank Credit Card Company has reported some negative marks on my Credit Report regarding a debt. \n : Company chooses not to provide a public response"},{"Question":"I am dealing with identity fraud where the person has put an address on my credit report. So far i 've had XXXX inquiries on my experian account despite freezing my line. \n","text":"Company chooses not to provide a public response","context":": I am dealing with identity fraud where the person has put an address on my credit report. So far i 've had XXXX inquiries on my experian account despite freezing my line. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Dear sir\/madam, I want ESCALLATE to remove the negative report they noted on my credit report because I do n't own the debt in question ( MEDICAL BILL ). They have to remove that from my credit report IMMEDIATELY \n","text":"Company chooses not to provide a public response","context":": Dear sir\/madam, I want ESCALLATE to remove the negative report they noted on my credit report because I do n't own the debt in question ( MEDICAL BILL ). They have to remove that from my credit report IMMEDIATELY \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was paying the bill but I lost my job and they add fees to the account \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was paying the bill but I lost my job and they add fees to the account \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"On lease form the amount owed is exaggerated. The lease that procollect provided for payment was altered. Lease time whited out. Did not sign the copy that the company whitened out. Have copy to show the original plus the copy provided by the collection agency. \n","text":"Company chooses not to provide a public response","context":": On lease form the amount owed is exaggerated. The lease that procollect provided for payment was altered. Lease time whited out. Did not sign the copy that the company whitened out. Have copy to show the original plus the copy provided by the collection agency. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Called me from a number XXXX claiming to be northeast recovery \n","text":"Company disputes the facts presented in the complaint","context":": Called me from a number XXXX claiming to be northeast recovery \n : Company disputes the facts presented in the complaint"},{"Question":"The second item reported is the same bill. I only have XXXX XXXX bill, XXXX debt owed to XXXX for XXXX amount and yet it 's being reported twice on my credit report. I do not feel this is fair practice. It 's obvious that one is an old account and the XXXX switched collection companys \n","text":"Company chooses not to provide a public response","context":": The second item reported is the same bill. I only have XXXX XXXX bill, XXXX debt owed to XXXX for XXXX amount and yet it 's being reported twice on my credit report. I do not feel this is fair practice. It 's obvious that one is an old account and the XXXX switched collection companys \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX lists numerous late payments when, in fact, I directed them years ago to automatically take the money out of my checking account. Their failure to do so has resulted in derogatory information being reflected as aforestated. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX lists numerous late payments when, in fact, I directed them years ago to automatically take the money out of my checking account. Their failure to do so has resulted in derogatory information being reflected as aforestated. \n : Company chooses not to provide a public response"},{"Question":"I was searching for a Lender on XXXX and notice this conpany.. but I did not see an XXXX number. Are they licensed? I did not see a XXXX number on their website either. \n\nXXXX \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I was searching for a Lender on XXXX and notice this conpany.. but I did not see an XXXX number. Are they licensed? I did not see a XXXX number on their website either. \n\nXXXX \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I been paying a Home depot credit card for more than a year but I owe more than what I suppossed to. I stop using the credit card on XXXX 2014 and I owed XXXX. I paid for a year and I owe XXXX. \n","text":"Company chooses not to provide a public response","context":": I been paying a Home depot credit card for more than a year but I owe more than what I suppossed to. I stop using the credit card on XXXX 2014 and I owed XXXX. I paid for a year and I owe XXXX. \n : Company chooses not to provide a public response"},{"Question":"They have harassed me for years trying to contact a relative who used my name as a reference. I asked them years ( at least 5 ) to not call me but they continue. The last call was on XX\/XX\/XXXX at XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They have harassed me for years trying to contact a relative who used my name as a reference. I asked them years ( at least 5 ) to not call me but they continue. The last call was on XX\/XX\/XXXX at XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX\/XXXX\/2008, I am requesting this be removed from my credit report. \n","text":"Company chooses not to provide a public response","context":": I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX\/XXXX\/2008, I am requesting this be removed from my credit report. \n : Company chooses not to provide a public response"},{"Question":"We recently checked my credit report on XXXX 2015 and I was not aware that their are XXXX accounts that was open and did not know about. \n","text":"Company chooses not to provide a public response","context":": We recently checked my credit report on XXXX 2015 and I was not aware that their are XXXX accounts that was open and did not know about. \n : Company chooses not to provide a public response"},{"Question":"I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after XXXX years. As the last reported information on this accounts was on XXXX\/XXXX\/2003, I am requesting this be removed from my credit report. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after XXXX years. As the last reported information on this accounts was on XXXX\/XXXX\/2003, I am requesting this be removed from my credit report. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I requested that Performant call my cell number as a PRIMARY contact # However the representative called my home number. I am concerned that I will miss critical calls re : my payment status if the primary contact number is not used to contact me. \n","text":"Company chooses not to provide a public response","context":": I requested that Performant call my cell number as a PRIMARY contact # However the representative called my home number. I am concerned that I will miss critical calls re : my payment status if the primary contact number is not used to contact me. \n : Company chooses not to provide a public response"},{"Question":"I have been working with XXXX for over 3 years. My auto loan is at a rateof 24 percent. The phone calls are relentless beginning at XXXX daily. I am trying my best withthese people but nnothing is good enough. I am exhausted due to their overwhelming phone calls. \n","text":"Company chooses not to provide a public response","context":": I have been working with XXXX for over 3 years. My auto loan is at a rateof 24 percent. The phone calls are relentless beginning at XXXX daily. I am trying my best withthese people but nnothing is good enough. I am exhausted due to their overwhelming phone calls. \n : Company chooses not to provide a public response"},{"Question":"did n't know that payday loans were prohibited in the state of GA and company did n't make me aware \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": did n't know that payday loans were prohibited in the state of GA and company did n't make me aware \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I file bankruptcy this was included \n","text":"Company chooses not to provide a public response","context":": I file bankruptcy this was included \n : Company chooses not to provide a public response"},{"Question":"After the XXXX of every month I receive a collections call from Wells Fargo Home Mortgage. This call is because I do n't pay on the XXXX. I have until the XXXX til a late fee is charged. I have the whole month to pay. I get XXXX calls a day! I am not behind in any payments. \n","text":"Company chooses not to provide a public response","context":": After the XXXX of every month I receive a collections call from Wells Fargo Home Mortgage. This call is because I do n't pay on the XXXX. I have until the XXXX til a late fee is charged. I have the whole month to pay. I get XXXX calls a day! I am not behind in any payments. \n : Company chooses not to provide a public response"},{"Question":"one main finance company has continue to call my jovb, have automated calls come through more than XXXX times a aday, leave messages on work answering machine, calling my contacts harrassing them, ask not to call job several times \n","text":"Company chooses not to provide a public response","context":": one main finance company has continue to call my jovb, have automated calls come through more than XXXX times a aday, leave messages on work answering machine, calling my contacts harrassing them, ask not to call job several times \n : Company chooses not to provide a public response"},{"Question":"this was from identity theft and is fraudulent needs to be taken off asap i gave a copy of my police report and ftc id theft affidavit outlining the id theft \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": this was from identity theft and is fraudulent needs to be taken off asap i gave a copy of my police report and ftc id theft affidavit outlining the id theft \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Ca n't pay this account. Turned into Rose Agency. Phone number disconnected. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Ca n't pay this account. Turned into Rose Agency. Phone number disconnected. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My credit report has an address in XXXX California where I have never lived. I have only lived in XXXX California in XXXX, XXXX XXXX, XXXX and XXXX. \n","text":"Company chooses not to provide a public response","context":": My credit report has an address in XXXX California where I have never lived. I have only lived in XXXX California in XXXX, XXXX XXXX, XXXX and XXXX. \n : Company chooses not to provide a public response"},{"Question":"I was in a XXXX a XXXX when this accured. This is over 7 years old. Please send me more info on this. My sister had all my credit cards when i was in the hospital at XXXXXXXX, XXXX am disputing it Because I dont know anything about it. \n","text":"Company chooses not to provide a public response","context":": I was in a XXXX a XXXX when this accured. This is over 7 years old. Please send me more info on this. My sister had all my credit cards when i was in the hospital at XXXXXXXX, XXXX am disputing it Because I dont know anything about it. \n : Company chooses not to provide a public response"},{"Question":"Frequent calls from Focused Receivables Management LLC, XXXX. Lots of harassing calls and messages with no information on what and who I owe, of which I do n't. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Frequent calls from Focused Receivables Management LLC, XXXX. Lots of harassing calls and messages with no information on what and who I owe, of which I do n't. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"BRIGHTWATER CAPITALC\/O XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXXCA N'T FIND ANYTHING ON THEM \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": BRIGHTWATER CAPITALC\/O XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXXCA N'T FIND ANYTHING ON THEM \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX, this debt has been paid directly to the original creditor so this debt is invalid. XXXX, this company called me and my spouse using the number of an auto parts store in Minnesota. When answering, the lady was very rude, obscene and threatening. \n","text":"Company chooses not to provide a public response","context":": XXXX, this debt has been paid directly to the original creditor so this debt is invalid. XXXX, this company called me and my spouse using the number of an auto parts store in Minnesota. When answering, the lady was very rude, obscene and threatening. \n : Company chooses not to provide a public response"},{"Question":"I have received a collection letter from Southwest Credit for a XXXX cable bill.I called XXXX cable and they stated that they do not have any record of me owing any money from any account with them.They have never heard of this company. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have received a collection letter from Southwest Credit for a XXXX cable bill.I called XXXX cable and they stated that they do not have any record of me owing any money from any account with them.They have never heard of this company. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is several credit card accounts on my credit report that I never applied for or used. An XXXX card, a XXXX card, XXXX called XXXX and the info for my XXXX card is incorrect \n","text":"Company chooses not to provide a public response","context":": There is several credit card accounts on my credit report that I never applied for or used. An XXXX card, a XXXX card, XXXX called XXXX and the info for my XXXX card is incorrect \n : Company chooses not to provide a public response"},{"Question":"I submitted a request for debt validation to CMRE Financial. The collection agency sent a computer generated form made to look like a billing statement. CMRE used improper documentation that was not generated by the original creditor to pose as debt validation. \n","text":"Company chooses not to provide a public response","context":": I submitted a request for debt validation to CMRE Financial. The collection agency sent a computer generated form made to look like a billing statement. CMRE used improper documentation that was not generated by the original creditor to pose as debt validation. \n : Company chooses not to provide a public response"},{"Question":"They 're are XXXX accounts in collections on my Trans union credit report none are mine \n","text":"Company chooses not to provide a public response","context":": They 're are XXXX accounts in collections on my Trans union credit report none are mine \n : Company chooses not to provide a public response"},{"Question":"On my trans union credit report my name and address are wrong and they are accounts and inquiries that are n't mine \n","text":"Company chooses not to provide a public response","context":": On my trans union credit report my name and address are wrong and they are accounts and inquiries that are n't mine \n : Company chooses not to provide a public response"},{"Question":"i cancelled my service and at the time i owed 1 month approx {$80.00} it took XXXX 3 months to disconnect their service. i offered to pay {$80.00} but they would not consider it and said i owed 3 months {$380.00}. i do not intend to pay them their amount. \n","text":"Company chooses not to provide a public response","context":": i cancelled my service and at the time i owed 1 month approx {$80.00} it took XXXX 3 months to disconnect their service. i offered to pay {$80.00} but they would not consider it and said i owed 3 months {$380.00}. i do not intend to pay them their amount. \n : Company chooses not to provide a public response"},{"Question":"I saw that I have a collection from XXXX XXXX XXXX. I paid this and settled at least 2 years back. \n\nThank you, XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I saw that I have a collection from XXXX XXXX XXXX. I paid this and settled at least 2 years back. \n\nThank you, XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"i have never used XXXX and do not know what XXXX is or why it say i owe {$110.00} \n","text":"Company chooses not to provide a public response","context":": i have never used XXXX and do not know what XXXX is or why it say i owe {$110.00} \n : Company chooses not to provide a public response"},{"Question":"I have never heard from or of this company and do not owe {$740.00}. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have never heard from or of this company and do not owe {$740.00}. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Company calls numerous times per day. Either hangs up or asked for a name info not recognize. XXXX Penn Credit \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Company calls numerous times per day. Either hangs up or asked for a name info not recognize. XXXX Penn Credit \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I sent a letter to Trans Union over 30 days ago about an account that is showing on my credit report that is n't mine. I have attached proof that the account is n't mine but I have not gotten a response back from Trans Union and they still report the fraudulent account on my report. \n","text":"Company chooses not to provide a public response","context":": I sent a letter to Trans Union over 30 days ago about an account that is showing on my credit report that is n't mine. I have attached proof that the account is n't mine but I have not gotten a response back from Trans Union and they still report the fraudulent account on my report. \n : Company chooses not to provide a public response"},{"Question":"I applied for XXXX and was discouraged by staff that I could not be able to get a chance for a car. \n","text":"Company chooses not to provide a public response","context":": I applied for XXXX and was discouraged by staff that I could not be able to get a chance for a car. \n : Company chooses not to provide a public response"},{"Question":"Transunion has allowed XXXX to do hard inquires without my permission. I researched this company and it went out of business some time ago. \nXX\/XX\/2015, XXXX\/XXXX\/15 and XXXX\/XXXX\/15 hard inquires \n","text":"Company chooses not to provide a public response","context":": Transunion has allowed XXXX to do hard inquires without my permission. I researched this company and it went out of business some time ago. \nXX\/XX\/2015, XXXX\/XXXX\/15 and XXXX\/XXXX\/15 hard inquires \n : Company chooses not to provide a public response"},{"Question":"XXXX did unauthorized illegal credit checksExperian : XXXX\/XXXX\/2015, XXXX\/XXXX\/2015, XXXX\/XXXX\/2015 \n","text":"Company chooses not to provide a public response","context":": XXXX did unauthorized illegal credit checksExperian : XXXX\/XXXX\/2015, XXXX\/XXXX\/2015, XXXX\/XXXX\/2015 \n : Company chooses not to provide a public response"},{"Question":"hard pull without my consent please remove hard pull for XXXX \n","text":"Company chooses not to provide a public response","context":": hard pull without my consent please remove hard pull for XXXX \n : Company chooses not to provide a public response"},{"Question":"I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. '' \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. '' \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"XXXX XXXX has a collection against ( {$580.00} ) me but I have never had a XXXX XXXX account. It states the account was opened in XX\/XX\/XXXX, closed in XX\/XX\/XXXX, and went to collections in XX\/XX\/XXXX. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX has a collection against ( {$580.00} ) me but I have never had a XXXX XXXX account. It states the account was opened in XX\/XX\/XXXX, closed in XX\/XX\/XXXX, and went to collections in XX\/XX\/XXXX. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX shows as a collection against me but I 've never opened nor had a XXXX account. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX shows as a collection against me but I 've never opened nor had a XXXX account. \n : Company chooses not to provide a public response"},{"Question":"its been XXXX mths and i havent hear one word \n","text":"Company chooses not to provide a public response","context":": its been XXXX mths and i havent hear one word \n : Company chooses not to provide a public response"},{"Question":"its been XXXX and no answer \n","text":"Company chooses not to provide a public response","context":": its been XXXX and no answer \n : Company chooses not to provide a public response"},{"Question":"I asked for my documenation I asked for it numerous times but nobody is responding \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I asked for my documenation I asked for it numerous times but nobody is responding \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX has that I owe {$15000.00}. My car I got through them was stolen XXXX XXXX. And my insurance paid off the balance \n","text":"Company chooses not to provide a public response","context":": XXXX has that I owe {$15000.00}. My car I got through them was stolen XXXX XXXX. And my insurance paid off the balance \n : Company chooses not to provide a public response"},{"Question":"I am working with a debt company who has legaly rights to help me. This XXXX credit company after fax to them who is handleing do not call my number has been harrassing me non stop even at XXXX \n","text":"Company disputes the facts presented in the complaint","context":": I am working with a debt company who has legaly rights to help me. This XXXX credit company after fax to them who is handleing do not call my number has been harrassing me non stop even at XXXX \n : Company disputes the facts presented in the complaint"},{"Question":"On both my transunion and XXXX report XXXX has my account listed as charged off or repossesed. My car was stolen and I have the police report to prove it \n","text":"Company chooses not to provide a public response","context":": On both my transunion and XXXX report XXXX has my account listed as charged off or repossesed. My car was stolen and I have the police report to prove it \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"i entered disputes with all XXXX bureaus. i do not know what steps to take next they told me to contact creditors for them reporting incorrect information. i sent them my police report and ftc statement. \n","text":"Company chooses not to provide a public response","context":": i entered disputes with all XXXX bureaus. i do not know what steps to take next they told me to contact creditors for them reporting incorrect information. i sent them my police report and ftc statement. \n : Company chooses not to provide a public response"},{"Question":"Any credit information on my credit report concerning the Kentucky address shown on the attachment is not my information. \n\nI have never lived in Kentucky or attended school in Kentucky. \n\nSimply not me. \n","text":"Company chooses not to provide a public response","context":": Any credit information on my credit report concerning the Kentucky address shown on the attachment is not my information. \n\nI have never lived in Kentucky or attended school in Kentucky. \n\nSimply not me. \n : Company chooses not to provide a public response"},{"Question":"Called harassing me at work when I am not allowed to receive personal calls at work. I've never heard from this Company or received any messages from them on my cell phone, email or mail. Asked XXXX at ext XXXX to remove my work number from her file.","text":"Company chooses not to provide a public response","context":": Called harassing me at work when I am not allowed to receive personal calls at work. I've never heard from this Company or received any messages from them on my cell phone, email or mail. Asked XXXX at ext XXXX to remove my work number from her file. : Company chooses not to provide a public response"},{"Question":"There are XXXX inquiries on my credit report from XXXX that shows opened. They have been taking care of as of 2011 and need to be shown closed Thank you, XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": There are XXXX inquiries on my credit report from XXXX that shows opened. They have been taking care of as of 2011 and need to be shown closed Thank you, XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Tax liens have been released. \n","text":"Company chooses not to provide a public response","context":": Tax liens have been released. \n : Company chooses not to provide a public response"},{"Question":"My ex-wife was ordered by the Florida courts to pay the XXXX XXXX XXXX mortgage and to remove my name from it, she did not do that. \n","text":"Company chooses not to provide a public response","context":": My ex-wife was ordered by the Florida courts to pay the XXXX XXXX XXXX mortgage and to remove my name from it, she did not do that. \n : Company chooses not to provide a public response"},{"Question":"on XXXX\/XXXX\/15, I was charged on overdraft fee when I was not over drawn. \n","text":"Company chooses not to provide a public response","context":": on XXXX\/XXXX\/15, I was charged on overdraft fee when I was not over drawn. \n : Company chooses not to provide a public response"},{"Question":"I did n't receive a XXXX Notice which is required by law prior to collection a debt. The debt has been paid in full. It should have never been reported. I take care of my financial matters and would have never ignored a XXXX Notice. \n","text":"Company chooses not to provide a public response","context":": I did n't receive a XXXX Notice which is required by law prior to collection a debt. The debt has been paid in full. It should have never been reported. I take care of my financial matters and would have never ignored a XXXX Notice. \n : Company chooses not to provide a public response"},{"Question":"Approximately every XXXX months ( XX\/XX\/XXXX, XX\/XX\/XXXX and XX\/XX\/XXXX ) I get a hard credit inquiry from XXXX. I have never authorized this hard credit inquiry and I would like this company to stop making hard credit inquiries. \n","text":"Company chooses not to provide a public response","context":": Approximately every XXXX months ( XX\/XX\/XXXX, XX\/XX\/XXXX and XX\/XX\/XXXX ) I get a hard credit inquiry from XXXX. I have never authorized this hard credit inquiry and I would like this company to stop making hard credit inquiries. \n : Company chooses not to provide a public response"},{"Question":"Phone number XXXX calls and a recording says the call is for someone who does NOT live here. I have notified them XXXX times that the person does NOT live here and the robot continuously calls back. \n","text":"Company chooses not to provide a public response","context":": Phone number XXXX calls and a recording says the call is for someone who does NOT live here. I have notified them XXXX times that the person does NOT live here and the robot continuously calls back. \n : Company chooses not to provide a public response"},{"Question":"IQ Data International has not provided validation of a debt as requested. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": IQ Data International has not provided validation of a debt as requested. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The I.R.S. had placed a Federal Tax Lien on my personal credit report and I paid my taxes in full on XXXX XXXX, 2014 and they will not correct this. I have contacted Senator XXXX XXXX office for assistance in getting this removed. \n","text":"Company chooses not to provide a public response","context":": The I.R.S. had placed a Federal Tax Lien on my personal credit report and I paid my taxes in full on XXXX XXXX, 2014 and they will not correct this. I have contacted Senator XXXX XXXX office for assistance in getting this removed. \n : Company chooses not to provide a public response"},{"Question":"The I.R.S. placed a Federal Tax Lien on my person credit report and I paid the balance in Full on XXXX XXXX, 2014. I want this removed ASAP this is hurting my credit score \n","text":"Company chooses not to provide a public response","context":": The I.R.S. placed a Federal Tax Lien on my person credit report and I paid the balance in Full on XXXX XXXX, 2014. I want this removed ASAP this is hurting my credit score \n : Company chooses not to provide a public response"},{"Question":"Along with my social security number, another social security number that is not mine came up on my credit report within the last month. I was alerted by my home loan officer at my mortgage bank. This number does not belong to any family members that I am aware of. \n","text":"Company chooses not to provide a public response","context":": Along with my social security number, another social security number that is not mine came up on my credit report within the last month. I was alerted by my home loan officer at my mortgage bank. This number does not belong to any family members that I am aware of. \n : Company chooses not to provide a public response"},{"Question":"I get robocalls on my mobile phone from Focus Receivables Management claiming I owe a debt that I don't owe. They call from different numbers. The most recent are: XXXX and XXXX.","text":"Company can't verify or dispute the facts in the complaint","context":": I get robocalls on my mobile phone from Focus Receivables Management claiming I owe a debt that I don't owe. They call from different numbers. The most recent are: XXXX and XXXX. : Company can't verify or dispute the facts in the complaint"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Without my permission, Wells Fargo took money from my bank account to pay for a new purchase on my Wells Fargo Credit Card. I did not authorize a new payment schedule for this new purchase and Wells Fargo took it upon themselves to draft money from my bank account. \n","text":"Company chooses not to provide a public response","context":": Without my permission, Wells Fargo took money from my bank account to pay for a new purchase on my Wells Fargo Credit Card. I did not authorize a new payment schedule for this new purchase and Wells Fargo took it upon themselves to draft money from my bank account. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Collection company is calling me, asking very personal questions.Kept me on the phone for XXXX minutes asking personal details of my finances. They looked at my credit report without asking me. And they also called my family members. \n","text":"Company chooses not to provide a public response","context":": Collection company is calling me, asking very personal questions.Kept me on the phone for XXXX minutes asking personal details of my finances. They looked at my credit report without asking me. And they also called my family members. \n : Company chooses not to provide a public response"},{"Question":"The Credit Bureaus are reporting that my monthly payment for XXXX of my student loans are above $ XXXX when in fact it is only {$290.00} for all XXXX consolidated loans. This is throwing my debt to income ratio off. \n","text":"Company chooses not to provide a public response","context":": The Credit Bureaus are reporting that my monthly payment for XXXX of my student loans are above $ XXXX when in fact it is only {$290.00} for all XXXX consolidated loans. This is throwing my debt to income ratio off. \n : Company chooses not to provide a public response"},{"Question":"this company call my wife with XXXX frequent i never give them my wife cell number. she was very upset when the call her when she was with her XXXX at a work shop \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": this company call my wife with XXXX frequent i never give them my wife cell number. she was very upset when the call her when she was with her XXXX at a work shop \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am a victim of identity theft and someone opened a XXXX Bank checking account using my personal information and stolen identity. The XXXX Bank checking account # : XXXX and the following inquiries removed from my consumer report : XXXX XXXX and XXXX \n","text":"Company chooses not to provide a public response","context":": I am a victim of identity theft and someone opened a XXXX Bank checking account using my personal information and stolen identity. The XXXX Bank checking account # : XXXX and the following inquiries removed from my consumer report : XXXX XXXX and XXXX \n : Company chooses not to provide a public response"},{"Question":"Some one was using my credit for diffrent ztuff and know my score looks like i never had credit. \n","text":"Company chooses not to provide a public response","context":": Some one was using my credit for diffrent ztuff and know my score looks like i never had credit. \n : Company chooses not to provide a public response"},{"Question":"Deposited US Treasure check at Suntrust ATM XXXX XXXX # XXXX XXXX on XXXX\/XXXX\/15, presented receipt of Deposit to XXXX XXXX Suntrust Branch Manager, and funds were not available. \n","text":"Company chooses not to provide a public response","context":": Deposited US Treasure check at Suntrust ATM XXXX XXXX # XXXX XXXX on XXXX\/XXXX\/15, presented receipt of Deposit to XXXX XXXX Suntrust Branch Manager, and funds were not available. \n : Company chooses not to provide a public response"},{"Question":"Credit report is still the same \n","text":"Company chooses not to provide a public response","context":": Credit report is still the same \n : Company chooses not to provide a public response"},{"Question":"My report show I worked for XXXX, I have never worked at this business. \nAlso there is a name on my report that is not mine and address that I have never lived at. \n","text":"Company chooses not to provide a public response","context":": My report show I worked for XXXX, I have never worked at this business. \nAlso there is a name on my report that is not mine and address that I have never lived at. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX is a collection agency and is reporting inaccurate information about me to Experian. After my initial dispute they are reporting an account for {$67.00} on my credit report. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX is a collection agency and is reporting inaccurate information about me to Experian. After my initial dispute they are reporting an account for {$67.00} on my credit report. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company disputes the facts presented in the complaint","context":": 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 : Company disputes the facts presented in the complaint"},{"Question":"Contacted XXXX ( XXXX XXXX XXXX ) and they state they \" can not locate a customer with the above referenced name, address or account number in our system ''. If they have no record of me owing them a debt why is it on my credit? How do I get it removed? \n","text":"Company chooses not to provide a public response","context":": Contacted XXXX ( XXXX XXXX XXXX ) and they state they \" can not locate a customer with the above referenced name, address or account number in our system ''. If they have no record of me owing them a debt why is it on my credit? How do I get it removed? \n : Company chooses not to provide a public response"},{"Question":"I see this on my credit report and never heard of it. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I see this on my credit report and never heard of it. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This be on my credit reports. It is not anything I know of. Never wrote me, just put it on my reports. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": This be on my credit reports. It is not anything I know of. Never wrote me, just put it on my reports. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"i am unable to access any credit information from the credit bureau 's and told that my credit number doesnt match my name. i was scammed recently and my S.S.N. was involved in this process. i feel that my credit information is being used by someone other than me. \n","text":"Company chooses not to provide a public response","context":": i am unable to access any credit information from the credit bureau 's and told that my credit number doesnt match my name. i was scammed recently and my S.S.N. was involved in this process. i feel that my credit information is being used by someone other than me. \n : Company chooses not to provide a public response"},{"Question":"Checked my credit report and have a derogatory remark against my credit score. \nA debt of XXXX dollars for a electrical bill in XXXX, VA. \nI do n't live in XXXX. So of course this could be identity theft as well. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Checked my credit report and have a derogatory remark against my credit score. \nA debt of XXXX dollars for a electrical bill in XXXX, VA. \nI do n't live in XXXX. So of course this could be identity theft as well. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There 's a name on there that is not mine into addresses do not mind name is XXXX XXXX XXXX my name is XXXX and there at address is in there were XXXX addresses that are not mine XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX never lived in XXXX my name is XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": There 's a name on there that is not mine into addresses do not mind name is XXXX XXXX XXXX my name is XXXX and there at address is in there were XXXX addresses that are not mine XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX never lived in XXXX my name is XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"This is on my credit reports. I do not believe it is right. I have never received mail from them. I do not want them calling me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This is on my credit reports. I do not believe it is right. I have never received mail from them. I do not want them calling me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received a false statement saying that my recently deceased Husband owed a third party some debt. My husband owed no one anything. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received a false statement saying that my recently deceased Husband owed a third party some debt. My husband owed no one anything. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am only XXXX days late with my payment. I pay XXXX for my car and I was called stating if I did not pay today, they were reposessing my car. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am only XXXX days late with my payment. I pay XXXX for my car and I was called stating if I did not pay today, they were reposessing my car. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I had a collection account for XXXX fall off my credit report in XXXX 2015, as of XXXX XXXX 2015 XXXX XXXX. XXXX put it back on my credit report as a new collection and date, My score when dropped went up, now it is back down with only this collection ruining my credit.. \nThank You \n","text":"Company chooses not to provide a public response","context":": I had a collection account for XXXX fall off my credit report in XXXX 2015, as of XXXX XXXX 2015 XXXX XXXX. XXXX put it back on my credit report as a new collection and date, My score when dropped went up, now it is back down with only this collection ruining my credit.. \nThank You \n : Company chooses not to provide a public response"},{"Question":"On first contact, I informed representative I could not have these calls at work. He continues to call on a regular basis. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": On first contact, I informed representative I could not have these calls at work. He continues to call on a regular basis. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I mailed them a letter asking for legal validation of this debt on XXXX\/XXXX\/15. They have not responded to me. \n","text":"Company chooses not to provide a public response","context":": I mailed them a letter asking for legal validation of this debt on XXXX\/XXXX\/15. They have not responded to me. \n : Company chooses not to provide a public response"},{"Question":"I submitted a short sale package in XXXX 2014. US Bank has not given me an answer to my request. I believe a year is more than enough time for US Bank to review and give me an answer. \n","text":"Company chooses not to provide a public response","context":": I submitted a short sale package in XXXX 2014. US Bank has not given me an answer to my request. I believe a year is more than enough time for US Bank to review and give me an answer. \n : Company chooses not to provide a public response"},{"Question":"Credit Management has ignored my legal request for validation. Letter attached. \n","text":"Company disputes the facts presented in the complaint","context":": Credit Management has ignored my legal request for validation. Letter attached. \n : Company disputes the facts presented in the complaint"},{"Question":"I have been a victim of identity theft and i 'm trying to dispute inaccurate items on my credit report. \n","text":"Company chooses not to provide a public response","context":": I have been a victim of identity theft and i 'm trying to dispute inaccurate items on my credit report. \n : Company chooses not to provide a public response"},{"Question":"I HAVE SUBMITTED PROOF THAT A JUDGMENT AND A XXXX ACCOUNT APPEARING ON MY REPORT IS BEING REPORT INCORRECTLY AND AS OF TODAY THEY STILL SHOWING. HELP ME REMOVE THESE ACCOUNTS THANK YOU XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": I HAVE SUBMITTED PROOF THAT A JUDGMENT AND A XXXX ACCOUNT APPEARING ON MY REPORT IS BEING REPORT INCORRECTLY AND AS OF TODAY THEY STILL SHOWING. HELP ME REMOVE THESE ACCOUNTS THANK YOU XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"SUBMITTED PROOF THAT THE XXXX XXXX ACCOUNT APPEARING ON MY CREDIT REPORT IS NOT MINE AND MUST BE REMOVED. \n","text":"Company chooses not to provide a public response","context":": SUBMITTED PROOF THAT THE XXXX XXXX ACCOUNT APPEARING ON MY CREDIT REPORT IS NOT MINE AND MUST BE REMOVED. \n : Company chooses not to provide a public response"},{"Question":"This was paid in full at the settlement amount listed, to the collection agency. The {$110.00} was promised to be cleared from the account because it was an error in billing. They did not clear it as promised and need to. This account is a {$0.00} balance. \n","text":"Company chooses not to provide a public response","context":": This was paid in full at the settlement amount listed, to the collection agency. The {$110.00} was promised to be cleared from the account because it was an error in billing. They did not clear it as promised and need to. This account is a {$0.00} balance. \n : Company chooses not to provide a public response"},{"Question":"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 this account # XXXX from stellar recovery does not belong to me and was opened fraudulently \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 this account # XXXX from stellar recovery does not belong to me and was opened fraudulently \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have XXXX different debts on my credit report that come from credit cards that are not my accounts. These accounts are owned by my employer. I have extension cards on these accounts issued by my employer for my work with them but these accounts are not my responsibility. \n","text":"Company chooses not to provide a public response","context":": I have XXXX different debts on my credit report that come from credit cards that are not my accounts. These accounts are owned by my employer. I have extension cards on these accounts issued by my employer for my work with them but these accounts are not my responsibility. \n : Company chooses not to provide a public response"},{"Question":"On XXXX\/XXXX\/15 TCF Bank reordered my transactions XXXX and debit my account XXXX for the same transaction XXXX\/XXXX\/15 XXXX XXXX XXXX ( {$140.00} ). \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": On XXXX\/XXXX\/15 TCF Bank reordered my transactions XXXX and debit my account XXXX for the same transaction XXXX\/XXXX\/15 XXXX XXXX XXXX ( {$140.00} ). \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have XXXX requested that my file be updated to reflex that the negative entry be removed. It was included in my Discharge Chapter XXXX, dated XXXX XXXX XXXX. \nExperian keeps saying that the report is valid. \n","text":"Company chooses not to provide a public response","context":": I have XXXX requested that my file be updated to reflex that the negative entry be removed. It was included in my Discharge Chapter XXXX, dated XXXX XXXX XXXX. \nExperian keeps saying that the report is valid. \n : Company chooses not to provide a public response"},{"Question":"Company is knowingly reporting incorrect amount of balance owed. Supervisor of collections account has been told many times and shown proof of amount that is owed and refuses to update account and continues to increase amount of balance owed. \n","text":"Company disputes the facts presented in the complaint","context":": Company is knowingly reporting incorrect amount of balance owed. Supervisor of collections account has been told many times and shown proof of amount that is owed and refuses to update account and continues to increase amount of balance owed. \n : Company disputes the facts presented in the complaint"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I am a victim of identity theft. Someone used my personal information to obtain credit. I am disputing the items on my credit report. \n","text":"Company chooses not to provide a public response","context":": I am a victim of identity theft. Someone used my personal information to obtain credit. I am disputing the items on my credit report. \n : Company chooses not to provide a public response"},{"Question":"I need to negotiate my debt to as minimum as possible. I 've try bringing it lower do to my financial hardship. \n","text":"Company disputes the facts presented in the complaint","context":": I need to negotiate my debt to as minimum as possible. I 've try bringing it lower do to my financial hardship. \n : Company disputes the facts presented in the complaint"},{"Question":"I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report. \n","text":"Company chooses not to provide a public response","context":": I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report. \n : Company chooses not to provide a public response"},{"Question":"They ran my credit with out my authorization.. I have sent them letters numerous times and no response \n","text":"Company chooses not to provide a public response","context":": They ran my credit with out my authorization.. I have sent them letters numerous times and no response \n : Company chooses not to provide a public response"},{"Question":"The banks and their fees its like they dont care about the little people XXXX Dollar transfer XXXX dollar maintence fee what do u need to maintence? This happens all the time now my account is negative because of the fee i had a XXXX balance. \n","text":"Company chooses not to provide a public response","context":": The banks and their fees its like they dont care about the little people XXXX Dollar transfer XXXX dollar maintence fee what do u need to maintence? This happens all the time now my account is negative because of the fee i had a XXXX balance. \n : Company chooses not to provide a public response"},{"Question":"I was at the end of my lease agreement, and I move and left the apartment in good shape.I also paid a XXXX pet deposit to them for any damage, but there was none and I did n't receive no money back. \n","text":"Company disputes the facts presented in the complaint","context":": I was at the end of my lease agreement, and I move and left the apartment in good shape.I also paid a XXXX pet deposit to them for any damage, but there was none and I did n't receive no money back. \n : Company disputes the facts presented in the complaint"},{"Question":"I never received right to dispute or demand letter. i found out i had this debt from my credit report, I sent a letter to them demanding verification to no result. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I never received right to dispute or demand letter. i found out i had this debt from my credit report, I sent a letter to them demanding verification to no result. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am a victim of identity theft and someone stole my identity and personal information to open up a Visa credit card account with Bank of America. The following Bank of America Visa credit card account do not belong to me : XXXX. \n","text":"Company chooses not to provide a public response","context":": I am a victim of identity theft and someone stole my identity and personal information to open up a Visa credit card account with Bank of America. The following Bank of America Visa credit card account do not belong to me : XXXX. \n : Company chooses not to provide a public response"},{"Question":"I have been a victim of Identity theft and I'am trying to dispute incorrect Items on my credit report. \n","text":"Company chooses not to provide a public response","context":": I have been a victim of Identity theft and I'am trying to dispute incorrect Items on my credit report. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"The Public Record that reflects on my credit history has been resolved with the XXXX.But It still shows me having a tax lien.I Had a payment Plan Set Up with The XXXX and Im just about nearing the payoff date.I do have records of these payments made and the current balance. \n","text":"Company chooses not to provide a public response","context":": The Public Record that reflects on my credit history has been resolved with the XXXX.But It still shows me having a tax lien.I Had a payment Plan Set Up with The XXXX and Im just about nearing the payoff date.I do have records of these payments made and the current balance. \n : Company chooses not to provide a public response"},{"Question":"I purchased a prepaid MasterCard and when I went to use the card, it was declined. I called the number on the card and was asked to fax my receipt in and a new card would be issued. It has been 3 months and several phone calls later and still have n't received the new card. \n","text":"Company chooses not to provide a public response","context":": I purchased a prepaid MasterCard and when I went to use the card, it was declined. I called the number on the card and was asked to fax my receipt in and a new card would be issued. It has been 3 months and several phone calls later and still have n't received the new card. \n : Company chooses not to provide a public response"},{"Question":"someone stole my identity and got a phone and its un fair this not me and i never had a phone with this company and i want it off my credit now, please removed this out my name.its a shame someone out here using my name. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": someone stole my identity and got a phone and its un fair this not me and i never had a phone with this company and i want it off my credit now, please removed this out my name.its a shame someone out here using my name. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"this wasnt me \n","text":"Company can't verify or dispute the facts in the complaint","context":": this wasnt me \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Service was being interrupted for 3 months and they didnt know why and they couldnt find why. I was not on contract and was paying for 3 months with no service. I told them to cancel the service and they where supposed to do so and they didnt, \n","text":"Company chooses not to provide a public response","context":": Service was being interrupted for 3 months and they didnt know why and they couldnt find why. I was not on contract and was paying for 3 months with no service. I told them to cancel the service and they where supposed to do so and they didnt, \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I purchased the card for {$4.00} put {$25.00} on it. I then I find out I had to spend {$4.00} to activate this card. This is a bogus card. hidden fees \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I purchased the card for {$4.00} put {$25.00} on it. I then I find out I had to spend {$4.00} to activate this card. This is a bogus card. hidden fees \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Calls me at least XXXX times a day even though I am making monthly payments .And have never gotten written notices or bills. \n","text":"Company chooses not to provide a public response","context":": Calls me at least XXXX times a day even though I am making monthly payments .And have never gotten written notices or bills. \n : Company chooses not to provide a public response"},{"Question":"I believe I have Genesis loans from XXXX Colleges and would like to know if they are included in the CFPB settlement. I attended XXXX College in XXXX, from XX\/XX\/XXXX to XX\/XX\/XXXX. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I believe I have Genesis loans from XXXX Colleges and would like to know if they are included in the CFPB settlement. I attended XXXX College in XXXX, from XX\/XX\/XXXX to XX\/XX\/XXXX. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"My refinancing with bank of america was taking about XXXX months, and was rejected. The paper trail is enormous. They charged me for a home inspection before the mortgage was accepted. I feel that a huge mistake was made by the bank.How do i recoup my loss, \n","text":"Company chooses not to provide a public response","context":": My refinancing with bank of america was taking about XXXX months, and was rejected. The paper trail is enormous. They charged me for a home inspection before the mortgage was accepted. I feel that a huge mistake was made by the bank.How do i recoup my loss, \n : Company chooses not to provide a public response"},{"Question":"This company has failed to send a written notice of the debt. They have contacted me several times and I have made them aware that I have n't received said letter. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This company has failed to send a written notice of the debt. They have contacted me several times and I have made them aware that I have n't received said letter. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I want that charge off amount of {$300.00} to be taken off of my account with XXXX XXXX. I have paid up in full my monies due from the balance due. \n","text":"Company chooses not to provide a public response","context":": I want that charge off amount of {$300.00} to be taken off of my account with XXXX XXXX. I have paid up in full my monies due from the balance due. \n : Company chooses not to provide a public response"},{"Question":"A.R.M. representative called my boss at home and yelled at her, threatened to \" ruin '' her personal credit for an office debt that we do not consider to be a valid debt. \n","text":"Company chooses not to provide a public response","context":": A.R.M. representative called my boss at home and yelled at her, threatened to \" ruin '' her personal credit for an office debt that we do not consider to be a valid debt. \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo wrongfully denied a modification because : They said you had to be in default to qualify ( which I do n't ) ; There was a change in circumstances because I lost one of my jobs that they did n't consider. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo wrongfully denied a modification because : They said you had to be in default to qualify ( which I do n't ) ; There was a change in circumstances because I lost one of my jobs that they did n't consider. \n : Company chooses not to provide a public response"},{"Question":"I call the credit card company and they was not going to help me. I do know what they are taking about I did n't got a credit card from know one please help me with this and thank you \n","text":"Company chooses not to provide a public response","context":": I call the credit card company and they was not going to help me. I do know what they are taking about I did n't got a credit card from know one please help me with this and thank you \n : Company chooses not to provide a public response"},{"Question":"I would like the late status for the rating to be removed from XX\/XX\/2010 as 30 days. So that my account truely reflects what it should. \n","text":"Company chooses not to provide a public response","context":": I would like the late status for the rating to be removed from XX\/XX\/2010 as 30 days. So that my account truely reflects what it should. \n : Company chooses not to provide a public response"},{"Question":"Experian shows charge off as status every month for XXXX months. Should only report as charge-off for XXXX month. \n","text":"Company chooses not to provide a public response","context":": Experian shows charge off as status every month for XXXX months. Should only report as charge-off for XXXX month. \n : Company chooses not to provide a public response"},{"Question":"I have a debt from a XXXX I had back in 2009 when I was in college. I could not afford to pay the bill and did not have insurance at the time. \n","text":"Company chooses not to provide a public response","context":": I have a debt from a XXXX I had back in 2009 when I was in college. I could not afford to pay the bill and did not have insurance at the time. \n : Company chooses not to provide a public response"},{"Question":"My child 's identity has been stolen, it shows a XXXX 's credit at XXXX TX, he 's social security number has been used by this person since 2010, I have reported this issue to XXXX. and nobody has seem to help me and my child in this issue. \n","text":"Company chooses not to provide a public response","context":": My child 's identity has been stolen, it shows a XXXX 's credit at XXXX TX, he 's social security number has been used by this person since 2010, I have reported this issue to XXXX. and nobody has seem to help me and my child in this issue. \n : Company chooses not to provide a public response"},{"Question":"I visited Transunion for a credit report. They required my credit card number to bill me XXXX dollar for the report. Now they say I joined their service and want to bill me XXXX a month. They have already billed my credit card for this service even though I did not order it. \n","text":"Company chooses not to provide a public response","context":": I visited Transunion for a credit report. They required my credit card number to bill me XXXX dollar for the report. Now they say I joined their service and want to bill me XXXX a month. They have already billed my credit card for this service even though I did not order it. \n : Company chooses not to provide a public response"},{"Question":"I paid already an account and they said I did n't pay and reporting late paid \n","text":"Company chooses not to provide a public response","context":": I paid already an account and they said I did n't pay and reporting late paid \n : Company chooses not to provide a public response"},{"Question":"This company has been calling me several times a day and harassing me about a dept that I discussed with the hospital that they sent to collection anyway. I get several calls a day in spite of any arrangements that I have XXXX with the reps. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This company has been calling me several times a day and harassing me about a dept that I discussed with the hospital that they sent to collection anyway. I get several calls a day in spite of any arrangements that I have XXXX with the reps. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I HAVE SENT THIS COMPANY XXXX DIFFERENT LETTERS AND THEY HAVE NOT COMPLIED WITH EITHER XXXX OF THEM!! THEY NEED TO STOP CALLING ME AND HARASSING ME!! THIS IS NOT MY ACCOUNT AND THERE FOR SHOULD NOT BE ON MY CREDIT REPORT!! \n","text":"Company disputes the facts presented in the complaint","context":": I HAVE SENT THIS COMPANY XXXX DIFFERENT LETTERS AND THEY HAVE NOT COMPLIED WITH EITHER XXXX OF THEM!! THEY NEED TO STOP CALLING ME AND HARASSING ME!! THIS IS NOT MY ACCOUNT AND THERE FOR SHOULD NOT BE ON MY CREDIT REPORT!! \n : Company disputes the facts presented in the complaint"},{"Question":"This company have been trying to collect on a debt that 's inaccurate I have requested that they validate this account but have not gotten a response they continue to report this account on my credit reports illegally, \n","text":"Company chooses not to provide a public response","context":": This company have been trying to collect on a debt that 's inaccurate I have requested that they validate this account but have not gotten a response they continue to report this account on my credit reports illegally, \n : Company chooses not to provide a public response"},{"Question":"Performant Financial at XXXX has contacted me repeatedly ( three calls today XX\/XX\/2015 ) attempting to contact a XXXX. I am not XXXX. I have told them in the past ( a few months ago ) that I am not XXXX, and they continue to call asking for him. \n","text":"Company chooses not to provide a public response","context":": Performant Financial at XXXX has contacted me repeatedly ( three calls today XX\/XX\/2015 ) attempting to contact a XXXX. I am not XXXX. I have told them in the past ( a few months ago ) that I am not XXXX, and they continue to call asking for him. \n : Company chooses not to provide a public response"},{"Question":"Never was late. marks me in XXXX trade lines while I was in college as being 90 days late. \n","text":"Company chooses not to provide a public response","context":": Never was late. marks me in XXXX trade lines while I was in college as being 90 days late. \n : Company chooses not to provide a public response"},{"Question":"There is a medical bill in the amount of {$90.00}. This bill was paid by insurance. I paid the bill before they stated it would go to collections. The company still reported it to collections even though they stated they would not do so. \n","text":"Company chooses not to provide a public response","context":": There is a medical bill in the amount of {$90.00}. This bill was paid by insurance. I paid the bill before they stated it would go to collections. The company still reported it to collections even though they stated they would not do so. \n : Company chooses not to provide a public response"},{"Question":"I have contacted Experian via phone, letter, and through its website dispute process. I was a victime of identity thieft with a credit card company call XXXX XXXX XXXX. I filed a FTC report and submitted several affidavits. \n","text":"Company chooses not to provide a public response","context":": I have contacted Experian via phone, letter, and through its website dispute process. I was a victime of identity thieft with a credit card company call XXXX XXXX XXXX. I filed a FTC report and submitted several affidavits. \n : Company chooses not to provide a public response"},{"Question":"Union Bank IT employees continue to \" Cancel, Stop, Change '' Bank Fraud Alerts, Overdraft Protection Alerts, Deposits and withdraws. \n","text":"Company chooses not to provide a public response","context":": Union Bank IT employees continue to \" Cancel, Stop, Change '' Bank Fraud Alerts, Overdraft Protection Alerts, Deposits and withdraws. \n : Company chooses not to provide a public response"},{"Question":"My name is XXXX XXXX, I attended XXXX in XXXX, ca. \nI believe I have genesis loans from XXXX colleges and would like to know if they were included in the CFPB settlement. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": My name is XXXX XXXX, I attended XXXX in XXXX, ca. \nI believe I have genesis loans from XXXX colleges and would like to know if they were included in the CFPB settlement. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Bank of America still calling my house and harassing me to sign notary papers for FHA modification. Received XXXX calls past XXXX days \n","text":"Company chooses not to provide a public response","context":": Bank of America still calling my house and harassing me to sign notary papers for FHA modification. Received XXXX calls past XXXX days \n : Company chooses not to provide a public response"},{"Question":"They did not fix.. I have proof of time of account open, the whole system is automated and no human interaction. They have incorrect info and do not correct. \n","text":"Company chooses not to provide a public response","context":": They did not fix.. I have proof of time of account open, the whole system is automated and no human interaction. They have incorrect info and do not correct. \n : Company chooses not to provide a public response"},{"Question":"I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my Credit Report. \n","text":"Company chooses not to provide a public response","context":": I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my Credit Report. \n : Company chooses not to provide a public response"},{"Question":"Caller stated that they were from Credit Corp and would not give a mailing address or their License number. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Caller stated that they were from Credit Corp and would not give a mailing address or their License number. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"My student loans through XXXX are showing that I am delinquent. These loans have been consolidated into a Federal loan service program. Please update this information. \n","text":"Company chooses not to provide a public response","context":": My student loans through XXXX are showing that I am delinquent. These loans have been consolidated into a Federal loan service program. Please update this information. \n : Company chooses not to provide a public response"},{"Question":"An apartment leasing company, XXXX XXXX, has improperly charged me when I had to leave. I informed them in writing of my intent to leave and this bill should not be included in my credit report. \n","text":"Company chooses not to provide a public response","context":": An apartment leasing company, XXXX XXXX, has improperly charged me when I had to leave. I informed them in writing of my intent to leave and this bill should not be included in my credit report. \n : Company chooses not to provide a public response"},{"Question":"I noticed on my credit report that there is an address that I have never heard of or lived at ever before in my life.I do n't know if this is a mistake or if maybe someone is using my information but I would like this address removed from my credit report. \n","text":"Company chooses not to provide a public response","context":": I noticed on my credit report that there is an address that I have never heard of or lived at ever before in my life.I do n't know if this is a mistake or if maybe someone is using my information but I would like this address removed from my credit report. \n : Company chooses not to provide a public response"},{"Question":"California Business Bureau is reporting a collection account that it is not mine to the credit bureaus. I had XXXX XXXX XXXX contact them on my behalf and they have failed to respond back. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": California Business Bureau is reporting a collection account that it is not mine to the credit bureaus. I had XXXX XXXX XXXX contact them on my behalf and they have failed to respond back. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I made several attains to pay my bill via Navy Federal Credit Union and the Website still is not work. Please review the website and make it working properly and contact regarding this matter also. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I made several attains to pay my bill via Navy Federal Credit Union and the Website still is not work. Please review the website and make it working properly and contact regarding this matter also. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Y'all do n't have my address some one gave a fake address for me which is not mines mine is XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX not XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please contact me and correct this issue thanks in advance for your time. .... \n","text":"Company chooses not to provide a public response","context":": Y'all do n't have my address some one gave a fake address for me which is not mines mine is XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX not XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please contact me and correct this issue thanks in advance for your time. .... \n : Company chooses not to provide a public response"},{"Question":"illegal foreclosure \n","text":"Company chooses not to provide a public response","context":": illegal foreclosure \n : Company chooses not to provide a public response"},{"Question":"I am an authorized user on a credit card, but that card does not appear on my Transunion report, even thought it does appear on XXXX and XXXX. Transunion says nothing can be done, and my credit card company says the same. \n","text":"Company chooses not to provide a public response","context":": I am an authorized user on a credit card, but that card does not appear on my Transunion report, even thought it does appear on XXXX and XXXX. Transunion says nothing can be done, and my credit card company says the same. \n : Company chooses not to provide a public response"},{"Question":"this is not my account or bills \n","text":"Company chooses not to provide a public response","context":": this is not my account or bills \n : Company chooses not to provide a public response"},{"Question":"I 'm not sure where this debt came from. I was an XXXX customer in 2010 I payed all my bills and returned the devices when my account ended. I checked on my credit report and saw that I had a claim from XXXX for {$320.00}. I do n't know where this collection came from. \n","text":"Company chooses not to provide a public response","context":": I 'm not sure where this debt came from. I was an XXXX customer in 2010 I payed all my bills and returned the devices when my account ended. I checked on my credit report and saw that I had a claim from XXXX for {$320.00}. I do n't know where this collection came from. \n : Company chooses not to provide a public response"},{"Question":"Arizona XXXX XXXX bill paid, {$44.00} months ago!! \n","text":"Company chooses not to provide a public response","context":": Arizona XXXX XXXX bill paid, {$44.00} months ago!! \n : Company chooses not to provide a public response"},{"Question":"i JUST WANT MY CREDIT REPORTS TO START ON MY IDENTITY THEFT SITUATION. THIS IS A NIGHTMARE \n","text":"Company chooses not to provide a public response","context":": i JUST WANT MY CREDIT REPORTS TO START ON MY IDENTITY THEFT SITUATION. THIS IS A NIGHTMARE \n : Company chooses not to provide a public response"},{"Question":"muliple inquiries on XXXX XXXX, 2015 that were not autorized \n","text":"Company chooses not to provide a public response","context":": muliple inquiries on XXXX XXXX, 2015 that were not autorized \n : Company chooses not to provide a public response"},{"Question":"I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed. \n","text":"Company chooses not to provide a public response","context":": I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed. \n : Company chooses not to provide a public response"},{"Question":"XXXX error from trans union no report recieved \n","text":"Company chooses not to provide a public response","context":": XXXX error from trans union no report recieved \n : Company chooses not to provide a public response"},{"Question":"my medical insurance co. owes them and decided not to for cost was to high for a XXXX mile ride. XXXX owes this not me that 's why I pay XXXX insurance companies \n","text":"Company can't verify or dispute the facts in the complaint","context":": my medical insurance co. owes them and decided not to for cost was to high for a XXXX mile ride. XXXX owes this not me that 's why I pay XXXX insurance companies \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I have XXXX tax liens on my personal public records that should not be there. Me and my father share the same name and I know they should be on his public records and not mine. \n","text":"Company chooses not to provide a public response","context":": I have XXXX tax liens on my personal public records that should not be there. Me and my father share the same name and I know they should be on his public records and not mine. \n : Company chooses not to provide a public response"},{"Question":"I have a few accounts that it was n't even me. On XXXX account and XXXX, my phones were stolen and i was locked up in prison at that time. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have a few accounts that it was n't even me. On XXXX account and XXXX, my phones were stolen and i was locked up in prison at that time. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"To whom it may concern : I am writing to correct\/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , CA XXXX also needed to correct\/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA. \n","text":"Company chooses not to provide a public response","context":": To whom it may concern : I am writing to correct\/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , CA XXXX also needed to correct\/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA. \n : Company chooses not to provide a public response"},{"Question":"To whom it may concern : I am writing to correct\/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX , CA XXXXI also needed to correct\/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA. \n","text":"Company chooses not to provide a public response","context":": To whom it may concern : I am writing to correct\/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX , CA XXXXI also needed to correct\/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA. \n : Company chooses not to provide a public response"},{"Question":"I have a delinquent account with lan Financial Services ending in : XXXX with an outstanding balance of {$2700.00}. \n","text":"Company chooses not to provide a public response","context":": I have a delinquent account with lan Financial Services ending in : XXXX with an outstanding balance of {$2700.00}. \n : Company chooses not to provide a public response"},{"Question":"Company sent me a copy of my old personal info being scratched out and replaced by someone info and then sent me a collection bill. I have not done any business with this medical office for the last 5 years! \n","text":"Company chooses not to provide a public response","context":": Company sent me a copy of my old personal info being scratched out and replaced by someone info and then sent me a collection bill. I have not done any business with this medical office for the last 5 years! \n : Company chooses not to provide a public response"},{"Question":"There is XXXX credit card account with XXXX XXXX XXXX that I have no knowledge of and there is a post office box listed as a address that I never had. \n","text":"Company chooses not to provide a public response","context":": There is XXXX credit card account with XXXX XXXX XXXX that I have no knowledge of and there is a post office box listed as a address that I never had. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX CARD KEPT CALLING, SKIP TRACING AT WORK, HOME AND CELL FAMILY MEMBERS AND SERVICING LAWSUIT TO US. SEVERAL COLLECTIONS AND BLITT & GAINES. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX XXXX CARD KEPT CALLING, SKIP TRACING AT WORK, HOME AND CELL FAMILY MEMBERS AND SERVICING LAWSUIT TO US. SEVERAL COLLECTIONS AND BLITT & GAINES. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"personal names are not mine. I am XXXX XXXX XXXX. No other names should be listed. \n","text":"Company chooses not to provide a public response","context":": personal names are not mine. I am XXXX XXXX XXXX. No other names should be listed. \n : Company chooses not to provide a public response"},{"Question":"I have a medical bill that is reported by XXXX separate collection agencies which are the same bill. I believe XXXX of those should be removed. It is for the amount of {$750.00} and is reported on both XXXX & Transunion. \n","text":"Company chooses not to provide a public response","context":": I have a medical bill that is reported by XXXX separate collection agencies which are the same bill. I believe XXXX of those should be removed. It is for the amount of {$750.00} and is reported on both XXXX & Transunion. \n : Company chooses not to provide a public response"},{"Question":"CACH , LLC KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET.. \n","text":"Company chooses not to provide a public response","context":": CACH , LLC KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET.. \n : Company chooses not to provide a public response"},{"Question":"unknown name and address added to my credit report. \n","text":"Company chooses not to provide a public response","context":": unknown name and address added to my credit report. \n : Company chooses not to provide a public response"},{"Question":"I went to XXXX in XXXX, Ca. I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I went to XXXX in XXXX, Ca. I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"The charge is for XXXX equipment that was returned in a box with a tracking number that was provided by comcast. I have talked several times explaining this to them. I think it is settled and they put it back on my credit report again \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The charge is for XXXX equipment that was returned in a box with a tracking number that was provided by comcast. I have talked several times explaining this to them. I think it is settled and they put it back on my credit report again \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A credit card XXXX XXXX Bank XXXX causing a negative rating is listed. This card belonged to my parents, XXXX XXXX and XXXX XXXX I did have an authorized user card to help them. \n","text":"Company chooses not to provide a public response","context":": A credit card XXXX XXXX Bank XXXX causing a negative rating is listed. This card belonged to my parents, XXXX XXXX and XXXX XXXX I did have an authorized user card to help them. \n : Company chooses not to provide a public response"},{"Question":"XXXX charge off account is being reported incorrectly on my Credit ReportI called XXXX and they were not able to provide me information on this account \n","text":"Company chooses not to provide a public response","context":": XXXX charge off account is being reported incorrectly on my Credit ReportI called XXXX and they were not able to provide me information on this account \n : Company chooses not to provide a public response"},{"Question":"XXXX Charge Off reporting incorrectly. \nI contacted XXXX and they were not able to provide information regarding this Charge off Account \n","text":"Company chooses not to provide a public response","context":": XXXX Charge Off reporting incorrectly. \nI contacted XXXX and they were not able to provide information regarding this Charge off Account \n : Company chooses not to provide a public response"},{"Question":"it has been more that 10 years since I had a account with XXXX. she not be on my account not mine. \n","text":"Company chooses not to provide a public response","context":": it has been more that 10 years since I had a account with XXXX. she not be on my account not mine. \n : Company chooses not to provide a public response"},{"Question":"My mom 's name keeps getting attached to my credit report because it 's similar, need to remedy that \n","text":"Company chooses not to provide a public response","context":": My mom 's name keeps getting attached to my credit report because it 's similar, need to remedy that \n : Company chooses not to provide a public response"},{"Question":"I was referred to XXXX XXXX I should have been referred to XXXX Labs for my lab work. My doctors referred me there. I have XXXX XXXX and have contacted them. I do n't think that I owe {$180.00} to XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": I was referred to XXXX XXXX I should have been referred to XXXX Labs for my lab work. My doctors referred me there. I have XXXX XXXX and have contacted them. I do n't think that I owe {$180.00} to XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"well i got a loan from credit acceptance corp for a XXXX dodge caravan that put it at XXXXthey repo my van with no calls are mail i was be hide in paymeants and book price is XXXX not XXXX \n","text":"Company chooses not to provide a public response","context":": well i got a loan from credit acceptance corp for a XXXX dodge caravan that put it at XXXXthey repo my van with no calls are mail i was be hide in paymeants and book price is XXXX not XXXX \n : Company chooses not to provide a public response"},{"Question":"BANK OF AMERICA HIRED XXXX TO SKIP TRACE ME AND FAMILY MEMEBERS TO LOCATE ESTRANGED BROTHER AND SISTER -IN-LAW, WHILE VIOLATING OUR PRIVACY AND HARASSMENT VIA PHONE, ( SEE ATTACHED INFO ) ALL ARE IN VIOLATION OF FDCPA AND TCPA. \n","text":"Company chooses not to provide a public response","context":": BANK OF AMERICA HIRED XXXX TO SKIP TRACE ME AND FAMILY MEMEBERS TO LOCATE ESTRANGED BROTHER AND SISTER -IN-LAW, WHILE VIOLATING OUR PRIVACY AND HARASSMENT VIA PHONE, ( SEE ATTACHED INFO ) ALL ARE IN VIOLATION OF FDCPA AND TCPA. \n : Company chooses not to provide a public response"},{"Question":"I have student loans that do n't belong to me on my credit report. \n","text":"Company chooses not to provide a public response","context":": I have student loans that do n't belong to me on my credit report. \n : Company chooses not to provide a public response"},{"Question":"never lived in XXXX ms \n","text":"Company chooses not to provide a public response","context":": never lived in XXXX ms \n : Company chooses not to provide a public response"},{"Question":"This is not mine was opened in my name not by me and this should be taken off my credit thank you \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This is not mine was opened in my name not by me and this should be taken off my credit thank you \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Best Buy Card has not provided enough information about a debt I owe and says it will \" charge off '' the account. I already closed this account with no other issues. \n","text":"Company chooses not to provide a public response","context":": Best Buy Card has not provided enough information about a debt I owe and says it will \" charge off '' the account. I already closed this account with no other issues. \n : Company chooses not to provide a public response"},{"Question":"They call XXXX or XXXX times a day let it ring once and stop. It is getting annoying. Has been going on for months now. \n","text":"Company chooses not to provide a public response","context":": They call XXXX or XXXX times a day let it ring once and stop. It is getting annoying. Has been going on for months now. \n : Company chooses not to provide a public response"},{"Question":"I told them that I filled chapter XXXX numerous of times and they keep contacting me. I give them the case # and the discharge date. \n","text":"Company chooses not to provide a public response","context":": I told them that I filled chapter XXXX numerous of times and they keep contacting me. I give them the case # and the discharge date. \n : Company chooses not to provide a public response"},{"Question":"I asked for some deferment or forbearance for my private student loans while I am serving in the XXXX XXXX but they say they can not defer for more than 6 months. \n","text":"Company chooses not to provide a public response","context":": I asked for some deferment or forbearance for my private student loans while I am serving in the XXXX XXXX but they say they can not defer for more than 6 months. \n : Company chooses not to provide a public response"},{"Question":"I have a security freeze on my report that i need taken off. \n","text":"Company chooses not to provide a public response","context":": I have a security freeze on my report that i need taken off. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Continuously calls claiming I owe money to XXXX XXXX XXXX. I have never had a bill with XXXX XXXX XXXX. Refuse to stop calling. Had to block number \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Continuously calls claiming I owe money to XXXX XXXX XXXX. I have never had a bill with XXXX XXXX XXXX. Refuse to stop calling. Had to block number \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This company continues to Report a \" medical bill '' to the bureaus after they have been provided the police report and all documentation several times. They are dogmatic and threatening. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This company continues to Report a \" medical bill '' to the bureaus after they have been provided the police report and all documentation several times. They are dogmatic and threatening. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I filed for Chapter XXXX bankruptcy in 2009. The bankruptcy was dismissed. I desperately need a new roof, but I can not get approved for a loan due to the above. I believe it should be removed from my credit report since it was dismissed. \n","text":"Company chooses not to provide a public response","context":": I filed for Chapter XXXX bankruptcy in 2009. The bankruptcy was dismissed. I desperately need a new roof, but I can not get approved for a loan due to the above. I believe it should be removed from my credit report since it was dismissed. \n : Company chooses not to provide a public response"},{"Question":"I have been identified as XXXX XXXX. I have never used this name. My name is XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": I have been identified as XXXX XXXX. I have never used this name. My name is XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"I am receiving numerous robocalls from various numbers. When I answer, the call ends. I have called back several numbers, and they appear to be XXXX. I have asked them to cease, but they continue. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am receiving numerous robocalls from various numbers. When I answer, the call ends. I have called back several numbers, and they appear to be XXXX. I have asked them to cease, but they continue. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My credit report shows a {$12000.00} dollar debt on an XXXX XXXX credit card. The account was closed in XXXX 2009. I believe this debt should not be on my credit report due to how old it is. \n","text":"Company chooses not to provide a public response","context":": My credit report shows a {$12000.00} dollar debt on an XXXX XXXX credit card. The account was closed in XXXX 2009. I believe this debt should not be on my credit report due to how old it is. \n : Company chooses not to provide a public response"},{"Question":"I filed bankruptcy in XXXX of 2010. There are several medical collection items that were included in my bankruptcy that still show open on all XXXX credit bureaus. I would like to have them removed and am not sure how I can do that? \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I filed bankruptcy in XXXX of 2010. There are several medical collection items that were included in my bankruptcy that still show open on all XXXX credit bureaus. I would like to have them removed and am not sure how I can do that? \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"information is not mine \n","text":"Company chooses not to provide a public response","context":": information is not mine \n : Company chooses not to provide a public response"},{"Question":"Over XXXX towns and goverment on my documents and home contents and also using computers and deniged me credit and loans and keep my stuff messed up and also with scams and land developments ect.. \n","text":"Company chooses not to provide a public response","context":": Over XXXX towns and goverment on my documents and home contents and also using computers and deniged me credit and loans and keep my stuff messed up and also with scams and land developments ect.. \n : Company chooses not to provide a public response"},{"Question":"My credit card has been replaced many times ; each time I am given a new credit card and debit card. As soon as I use my debit it gets compromised. I have had at least XXXX new cards in less 6 months -- see attached information being scanned to you. \n","text":"Company chooses not to provide a public response","context":": My credit card has been replaced many times ; each time I am given a new credit card and debit card. As soon as I use my debit it gets compromised. I have had at least XXXX new cards in less 6 months -- see attached information being scanned to you. \n : Company chooses not to provide a public response"},{"Question":"I filed for Chapter XXXX Bankruptcy in 2009 and it was dismissed ( never granted ). As such, I do n't feel that it should appear on my credit report. I am badly in need of a new roof and can not qualify for a loan as long as this appears. \n","text":"Company chooses not to provide a public response","context":": I filed for Chapter XXXX Bankruptcy in 2009 and it was dismissed ( never granted ). As such, I do n't feel that it should appear on my credit report. I am badly in need of a new roof and can not qualify for a loan as long as this appears. \n : Company chooses not to provide a public response"},{"Question":"I have been advised by the Office of the Comptroller of the Currency that they sent my complaint to you. Case # XXXX \/ Bank of America. I 'm checking to make sure you received it, because there is more to add to it. \nThank you, XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I have been advised by the Office of the Comptroller of the Currency that they sent my complaint to you. Case # XXXX \/ Bank of America. I 'm checking to make sure you received it, because there is more to add to it. \nThank you, XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I have been XXXX contacted by Allied Interstate attempting to collect a debt on behalf of XXXX. A call to XXXX confirmed my account with XXXX was paid in full when the account was closed. \n","text":"Company chooses not to provide a public response","context":": I have been XXXX contacted by Allied Interstate attempting to collect a debt on behalf of XXXX. A call to XXXX confirmed my account with XXXX was paid in full when the account was closed. \n : Company chooses not to provide a public response"},{"Question":"please refer to case # XXXX for a brief history and enclosed documentation \n","text":"Company chooses not to provide a public response","context":": please refer to case # XXXX for a brief history and enclosed documentation \n : Company chooses not to provide a public response"},{"Question":"Select Portfolio Servicing : Fraudulent loan modification application from Mortgage Servicer. Loss of documentation. Incomplete response to QWR. Dual Tracking during loss mitigation. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Select Portfolio Servicing : Fraudulent loan modification application from Mortgage Servicer. Loss of documentation. Incomplete response to QWR. Dual Tracking during loss mitigation. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I checked my credit and found out there is a medical bill from XXXX Hospital in the amount of {$2200.00} that is not mine and I wanted removed from my credit. XXXX Hospital is the state of Maine I live in California never traveled to Maine. \n","text":"Company chooses not to provide a public response","context":": I checked my credit and found out there is a medical bill from XXXX Hospital in the amount of {$2200.00} that is not mine and I wanted removed from my credit. XXXX Hospital is the state of Maine I live in California never traveled to Maine. \n : Company chooses not to provide a public response"},{"Question":"I have requested Renton Collection XXXX to provide me with written statement of my debts via mail or email, they have refused to email it to me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have requested Renton Collection XXXX to provide me with written statement of my debts via mail or email, they have refused to email it to me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"\" Company has no account in my name but an account in my mothers name for something that took place as a minor \" XXXX rep \n","text":"Company chooses not to provide a public response","context":": \" Company has no account in my name but an account in my mothers name for something that took place as a minor \" XXXX rep \n : Company chooses not to provide a public response"},{"Question":"I noticed a previously resolved collections account on my credit report. The account was resolved favorably n 2013, and reappeared recently. Repeated attempts to negotiate with the credit bureaus, collections agent and the original creditor have failed. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I noticed a previously resolved collections account on my credit report. The account was resolved favorably n 2013, and reappeared recently. Repeated attempts to negotiate with the credit bureaus, collections agent and the original creditor have failed. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX , XXXX KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET.. \n","text":"Company chooses not to provide a public response","context":": XXXX , XXXX KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET.. \n : Company chooses not to provide a public response"},{"Question":"SKIP TRACING, SEVERAL LAWSUITS, COLLECTORS IN VIOLATION OF TCPA, FDCPA ETC.. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": SKIP TRACING, SEVERAL LAWSUITS, COLLECTORS IN VIOLATION OF TCPA, FDCPA ETC.. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX XXXX listed, never lived in a XXXX XXXX XXXX my current address XXXX XXXX, Ct XXXX \n","text":"Company chooses not to provide a public response","context":": I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX XXXX listed, never lived in a XXXX XXXX XXXX my current address XXXX XXXX, Ct XXXX \n : Company chooses not to provide a public response"},{"Question":"I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX XXXX listed, never lived in a XXXX XXXX , my current address isXXXX XXXX XXXX, Ct XXXX \n","text":"Company chooses not to provide a public response","context":": I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX XXXX listed, never lived in a XXXX XXXX , my current address isXXXX XXXX XXXX, Ct XXXX \n : Company chooses not to provide a public response"},{"Question":"I had a debt with XXXX. over 7 years past, the debt was charged off. \nhowever, XXXX continues to report to credit bureau. \nI checked to make sure the account is not listed in public records, \n","text":"Company chooses not to provide a public response","context":": I had a debt with XXXX. over 7 years past, the debt was charged off. \nhowever, XXXX continues to report to credit bureau. \nI checked to make sure the account is not listed in public records, \n : Company chooses not to provide a public response"},{"Question":"This debt was discharged XX\/XX\/XXXX, Bankruptcy case # XXXX, not sure there why this is still on my credit report, as well as several inquires in XX\/XX\/XXXX, from this company. I have attached XXXX of the several letters I have sent to this company, starting in XX\/XX\/XXXX \n","text":"Company chooses not to provide a public response","context":": This debt was discharged XX\/XX\/XXXX, Bankruptcy case # XXXX, not sure there why this is still on my credit report, as well as several inquires in XX\/XX\/XXXX, from this company. I have attached XXXX of the several letters I have sent to this company, starting in XX\/XX\/XXXX \n : Company chooses not to provide a public response"},{"Question":"i am in the process of refinancing a mortgage and the bank claims they are unable to get the Experian credit report. i can not get it either ( thru the web site XXXX. no one can answer me what is the problem. even the free XXXX is not available. customer service is a nightmare. \n","text":"Company chooses not to provide a public response","context":": i am in the process of refinancing a mortgage and the bank claims they are unable to get the Experian credit report. i can not get it either ( thru the web site XXXX. no one can answer me what is the problem. even the free XXXX is not available. customer service is a nightmare. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Paypal has limited my account such that I can not withdraw anything and is withholding the balance of my account for 6 months. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Paypal has limited my account such that I can not withdraw anything and is withholding the balance of my account for 6 months. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Wells Fargo on direct deposit advances they stopped such transactions and can charge one with a XXXX fee it could be more if one ca n't add funds to ones account! \n","text":"Company chooses not to provide a public response","context":": Wells Fargo on direct deposit advances they stopped such transactions and can charge one with a XXXX fee it could be more if one ca n't add funds to ones account! \n : Company chooses not to provide a public response"},{"Question":"Had a credit Card with Bank of America that went delinquent In 2006. But it is still appearing on my credit report ad it has been more than seven years now. For some reason the File keeps getting sold to collections and they keep opening it. \n","text":"Company chooses not to provide a public response","context":": Had a credit Card with Bank of America that went delinquent In 2006. But it is still appearing on my credit report ad it has been more than seven years now. For some reason the File keeps getting sold to collections and they keep opening it. \n : Company chooses not to provide a public response"},{"Question":"original debt owed to XXXX XXXX visa. \nover 7 years have passed, debt was charged off over a year ago. \nHowever, XXXX funding continues to report account as open and debt due. \n","text":"Company chooses not to provide a public response","context":": original debt owed to XXXX XXXX visa. \nover 7 years have passed, debt was charged off over a year ago. \nHowever, XXXX funding continues to report account as open and debt due. \n : Company chooses not to provide a public response"},{"Question":"Someone apparently got into our computer and was able to find out the passwords to our checking account and use the information to try to transfer money to someone else in XXXX. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Someone apparently got into our computer and was able to find out the passwords to our checking account and use the information to try to transfer money to someone else in XXXX. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Check fraud in my checking and savings account with USAA Saving Bank in XXXX XXXX, TX. XXXX notified bank of fraudulent activity on XXXX\/XXXX\/15 and checks continued to be deposited until XXXX\/XXXX\/15. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Check fraud in my checking and savings account with USAA Saving Bank in XXXX XXXX, TX. XXXX notified bank of fraudulent activity on XXXX\/XXXX\/15 and checks continued to be deposited until XXXX\/XXXX\/15. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report, \n","text":"Company chooses not to provide a public response","context":": I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report, \n : Company chooses not to provide a public response"},{"Question":"I GOT PER LAW THE OTHER XXXX CREDIT REPORTS BUT NOTYOUR AS THE PROGRAM WILL NOT LET ME GO FURTHUR THAN FILLING OUT INFO THEN CLICKING. BY LAW I CAN GET ON FROM EACH OF THE XXXX CREIT REPORTING COMPANIES \n","text":"Company chooses not to provide a public response","context":": I GOT PER LAW THE OTHER XXXX CREDIT REPORTS BUT NOTYOUR AS THE PROGRAM WILL NOT LET ME GO FURTHUR THAN FILLING OUT INFO THEN CLICKING. BY LAW I CAN GET ON FROM EACH OF THE XXXX CREIT REPORTING COMPANIES \n : Company chooses not to provide a public response"},{"Question":"The information is from my father 's accounts. \n","text":"Company chooses not to provide a public response","context":": The information is from my father 's accounts. \n : Company chooses not to provide a public response"},{"Question":"Made a purchase for {$28.00} at XXXX using a Sears Citibank credit card. Had not received a bill of any type till I got a letter saying I was overdue. They charged me {$60.00} late fee on a {$28.00} bill that was less than XXXX days old. \n","text":"Company chooses not to provide a public response","context":": Made a purchase for {$28.00} at XXXX using a Sears Citibank credit card. Had not received a bill of any type till I got a letter saying I was overdue. They charged me {$60.00} late fee on a {$28.00} bill that was less than XXXX days old. \n : Company chooses not to provide a public response"},{"Question":"XXXX put a wrongful lien on my accounts. After challenging they accepted their mistake but the negative factor still is reflected in my credit reports \n","text":"Company chooses not to provide a public response","context":": XXXX put a wrongful lien on my accounts. After challenging they accepted their mistake but the negative factor still is reflected in my credit reports \n : Company chooses not to provide a public response"},{"Question":"CMI contact me concerning an unpaid debt to XXXX in the amount of XXXX. I do not live at the address given nor do I have services with XXXX. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": CMI contact me concerning an unpaid debt to XXXX in the amount of XXXX. I do not live at the address given nor do I have services with XXXX. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"An incorrect previous address is appearing on my credit report. I fear identity theft as a result of that. \n","text":"Company chooses not to provide a public response","context":": An incorrect previous address is appearing on my credit report. I fear identity theft as a result of that. \n : Company chooses not to provide a public response"},{"Question":"Phone calls every hour from the same number attempting to collect a {$60.00} fee - which is a late fee on a contested late fee. \n","text":"Company chooses not to provide a public response","context":": Phone calls every hour from the same number attempting to collect a {$60.00} fee - which is a late fee on a contested late fee. \n : Company chooses not to provide a public response"},{"Question":"Onemain financial, previously Citifinancial charges a ridiculous interest rate. I borrowed XXXX and I am expected to pay back over XXXX. Shark lending is a crime but why is this company allowed to get away with this? Then they harass you when you ca n't pay. \n","text":"Company chooses not to provide a public response","context":": Onemain financial, previously Citifinancial charges a ridiculous interest rate. I borrowed XXXX and I am expected to pay back over XXXX. Shark lending is a crime but why is this company allowed to get away with this? Then they harass you when you ca n't pay. \n : Company chooses not to provide a public response"},{"Question":"I had my home appraised from a XXXX management company and the appraiser was XXXX XXXX. \nMy home appraised for {$530000.00}. \nI have tried to no avail to make Freedom Mortgage remove the PMI insurance on my home. \nI now have 79 %. LTV so I should not have PMI insurance. \nPlease help \n","text":"Company chooses not to provide a public response","context":": I had my home appraised from a XXXX management company and the appraiser was XXXX XXXX. \nMy home appraised for {$530000.00}. \nI have tried to no avail to make Freedom Mortgage remove the PMI insurance on my home. \nI now have 79 %. LTV so I should not have PMI insurance. \nPlease help \n : Company chooses not to provide a public response"},{"Question":"There has been a house bought in my name and now in foreclosing, car rentals, and many other activities \n","text":"Company chooses not to provide a public response","context":": There has been a house bought in my name and now in foreclosing, car rentals, and many other activities \n : Company chooses not to provide a public response"},{"Question":"The problem is that every time I try to get information on my personal credit report, such as when I tried to use \" XXXX XXXX '', I was blocked.Now I am for certain that someone is definitely doing something with my information. \n","text":"Company chooses not to provide a public response","context":": The problem is that every time I try to get information on my personal credit report, such as when I tried to use \" XXXX XXXX '', I was blocked.Now I am for certain that someone is definitely doing something with my information. \n : Company chooses not to provide a public response"},{"Question":"I have a problem getting my annual report. \n","text":"Company chooses not to provide a public response","context":": I have a problem getting my annual report. \n : Company chooses not to provide a public response"},{"Question":"Called my ex-husband 's number who I am estranged from about my debt. I have a restraining order and they are jeopardizing my life. Jared Galleria\/Sterling \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Called my ex-husband 's number who I am estranged from about my debt. I have a restraining order and they are jeopardizing my life. Jared Galleria\/Sterling \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The company put several ( XXXX ) hard hits on my credit and still refused me a loan. Since then, another company denied application because of the hits. Why did my credit get hit so many times? \n","text":"Company believes the complaint is the result of a misunderstanding","context":": The company put several ( XXXX ) hard hits on my credit and still refused me a loan. Since then, another company denied application because of the hits. Why did my credit get hit so many times? \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Someone used my name to secure a student loan while I was in prison. I attempted to get each credit reporting agency to correct it but they refuse. \n","text":"Company chooses not to provide a public response","context":": Someone used my name to secure a student loan while I was in prison. I attempted to get each credit reporting agency to correct it but they refuse. \n : Company chooses not to provide a public response"},{"Question":"Repeated calls within a 24 hour period, violating FDCPA statutes regarding collection tactics. \n","text":"Company chooses not to provide a public response","context":": Repeated calls within a 24 hour period, violating FDCPA statutes regarding collection tactics. \n : Company chooses not to provide a public response"},{"Question":"Calls frequently using an automated system, never anyone on the line when you answer. \n","text":"Company disputes the facts presented in the complaint","context":": Calls frequently using an automated system, never anyone on the line when you answer. \n : Company disputes the facts presented in the complaint"},{"Question":"Citi Credit Card disputes keep sending me documents when they have not read the letter and emails I have sent them about this dispute with XXXX. \n","text":"Company chooses not to provide a public response","context":": Citi Credit Card disputes keep sending me documents when they have not read the letter and emails I have sent them about this dispute with XXXX. \n : Company chooses not to provide a public response"},{"Question":"I have been contacted on numerous occasions by the company who is trying to collect a debt that is XXXX years ol and beyond the statute of limitations. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have been contacted on numerous occasions by the company who is trying to collect a debt that is XXXX years ol and beyond the statute of limitations. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They continue to call and hang up on my cell phone XXXX the number I listed above ). I do not owe anyone any money and have an excellent credit rating in the high 700 's. It is harassment. \n","text":"Company chooses not to provide a public response","context":": They continue to call and hang up on my cell phone XXXX the number I listed above ). I do not owe anyone any money and have an excellent credit rating in the high 700 's. It is harassment. \n : Company chooses not to provide a public response"},{"Question":"disputed a bankruptcy that is listed on my credit report. It has been over 7 years and they continue to list it on my report. \n","text":"Company chooses not to provide a public response","context":": disputed a bankruptcy that is listed on my credit report. It has been over 7 years and they continue to list it on my report. \n : Company chooses not to provide a public response"},{"Question":"This company not only calls my home phone number listed above, they call my cell phone number as well, often in the same day. The calls are up to XXXX times daily. \n","text":"Company chooses not to provide a public response","context":": This company not only calls my home phone number listed above, they call my cell phone number as well, often in the same day. The calls are up to XXXX times daily. \n : Company chooses not to provide a public response"},{"Question":"I called to get debt validation. I gave the full file account number. The call was recorded. The representative stated the number I gave was too many numbers. I was transferred to XXXX people with no result. \n","text":"Company chooses not to provide a public response","context":": I called to get debt validation. I gave the full file account number. The call was recorded. The representative stated the number I gave was too many numbers. I was transferred to XXXX people with no result. \n : Company chooses not to provide a public response"},{"Question":"I keep getting calls from Wells Fargo on a mortgage that exists with a person I do not know. Wells Fargo has been told about this and still calls. \n","text":"Company chooses not to provide a public response","context":": I keep getting calls from Wells Fargo on a mortgage that exists with a person I do not know. Wells Fargo has been told about this and still calls. \n : Company chooses not to provide a public response"},{"Question":"Citi credit card closed XXXX of my accounts for \" excessive '' adding and deleting of users on my account. I am in right standing with the company and I have a credit score of XXXX. I did break any rules or laws. \n","text":"Company chooses not to provide a public response","context":": Citi credit card closed XXXX of my accounts for \" excessive '' adding and deleting of users on my account. I am in right standing with the company and I have a credit score of XXXX. I did break any rules or laws. \n : Company chooses not to provide a public response"},{"Question":"Tran Union ; Have adress on my credit file as XXXX XXXX I 've never live there. Claim i have or had a home loan I do not nor a mortage. \n","text":"Company chooses not to provide a public response","context":": Tran Union ; Have adress on my credit file as XXXX XXXX I 've never live there. Claim i have or had a home loan I do not nor a mortage. \n : Company chooses not to provide a public response"},{"Question":"There are fraudulent items on my credit report with Experian. I sent them copies of my police report, ID Affidavit, and they refuse to block the accounts from my credit report. They also refused to remove the items off of my credit report and reinvestigate it anymore. \n","text":"Company chooses not to provide a public response","context":": There are fraudulent items on my credit report with Experian. I sent them copies of my police report, ID Affidavit, and they refuse to block the accounts from my credit report. They also refused to remove the items off of my credit report and reinvestigate it anymore. \n : Company chooses not to provide a public response"},{"Question":"I requested my annual free credit report from TransUnion but they refused the request because there is an open dispute. Is that within the regulations? \n","text":"Company chooses not to provide a public response","context":": I requested my annual free credit report from TransUnion but they refused the request because there is an open dispute. Is that within the regulations? \n : Company chooses not to provide a public response"},{"Question":"There is a delinquency on my credit report which is not mine and this needs to be removed. \n","text":"Company chooses not to provide a public response","context":": There is a delinquency on my credit report which is not mine and this needs to be removed. \n : Company chooses not to provide a public response"},{"Question":"I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report. \n","text":"Company chooses not to provide a public response","context":": I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report. \n : Company chooses not to provide a public response"},{"Question":"There is a delinquency on my report which is not mine and this needs to be corrected by Experian. \n","text":"Company chooses not to provide a public response","context":": There is a delinquency on my report which is not mine and this needs to be corrected by Experian. \n : Company chooses not to provide a public response"},{"Question":"The XXXX continues to report that I owe them money. I have called, and emailed them to no avail. They took the money years ago on a treasury off set, deducted from my tax return. \n","text":"Company chooses not to provide a public response","context":": The XXXX continues to report that I owe them money. I have called, and emailed them to no avail. They took the money years ago on a treasury off set, deducted from my tax return. \n : Company chooses not to provide a public response"},{"Question":"ENHANCED RECOVERY COMPANY CLAIMS I OWE AN AMOUNT OF {$200.00} FOR A XXXX CELL PHONE THAT I NEVER HAD. IT WAS PUT ON MY CREDIT REPORT AND THIS IS THE FIRST TIME I AM HEARING OR EVEN KNOWING ABOUT THIS MATTER. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": ENHANCED RECOVERY COMPANY CLAIMS I OWE AN AMOUNT OF {$200.00} FOR A XXXX CELL PHONE THAT I NEVER HAD. IT WAS PUT ON MY CREDIT REPORT AND THIS IS THE FIRST TIME I AM HEARING OR EVEN KNOWING ABOUT THIS MATTER. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My loan from XXXX for {$36000.00} is no longer my responsibility. My truck was stolen from me and the loan is going to be paid shortly \n","text":"Company chooses not to provide a public response","context":": My loan from XXXX for {$36000.00} is no longer my responsibility. My truck was stolen from me and the loan is going to be paid shortly \n : Company chooses not to provide a public response"},{"Question":"Had my credit report pulled and found information pertaining to a false XXXX report out of XXXX Never lived there nor visited the State. Please help \n","text":"Company chooses not to provide a public response","context":": Had my credit report pulled and found information pertaining to a false XXXX report out of XXXX Never lived there nor visited the State. Please help \n : Company chooses not to provide a public response"},{"Question":"XXXX has a satisfied collection on my report from XXXX .I contacted XXXX they have no record of bills or contract.please have this removed immediately thanks \n","text":"Company chooses not to provide a public response","context":": XXXX has a satisfied collection on my report from XXXX .I contacted XXXX they have no record of bills or contract.please have this removed immediately thanks \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX is negatively reporting me as owing {$120.00} when I do not owe them this debt. \n","text":"Company can't verify or dispute the facts in the complaint","context":": XXXX XXXX XXXX is negatively reporting me as owing {$120.00} when I do not owe them this debt. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Wells Fargo Dealer Services is giving false credit information about me to the credit reporting companies, XXXX, XXXX, and XXXX in flagrant violation of the Fair Credit Reporting Act. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo Dealer Services is giving false credit information about me to the credit reporting companies, XXXX, XXXX, and XXXX in flagrant violation of the Fair Credit Reporting Act. \n : Company chooses not to provide a public response"},{"Question":"The Cash Store calls multiple times a day ( XXXX ) Using different numbers XXXX through XXXX. They have also begin calling my workplace. \n","text":"Company chooses not to provide a public response","context":": The Cash Store calls multiple times a day ( XXXX ) Using different numbers XXXX through XXXX. They have also begin calling my workplace. \n : Company chooses not to provide a public response"},{"Question":"A woman calls up to XXXX times a day and has left several messages on my employer 's voice mail stating that she is calling regarding an unpaid debt. My employer has threatened to relieve me of my duties if they continue to contact me at work. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": A woman calls up to XXXX times a day and has left several messages on my employer 's voice mail stating that she is calling regarding an unpaid debt. My employer has threatened to relieve me of my duties if they continue to contact me at work. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Someone opened an account in my maiden name with my social security number in 2005. \nI am now getting collection calls in reference to this account. This account does not appear on my credit record. \n","text":"Company chooses not to provide a public response","context":": Someone opened an account in my maiden name with my social security number in 2005. \nI am now getting collection calls in reference to this account. This account does not appear on my credit record. \n : Company chooses not to provide a public response"},{"Question":"According to my credit report I owed {$130.00} to XXXX XXXX XXXX. However, they have no record of me ever having an outstanding balance with them. Neither do I. \n","text":"Company chooses not to provide a public response","context":": According to my credit report I owed {$130.00} to XXXX XXXX XXXX. However, they have no record of me ever having an outstanding balance with them. Neither do I. \n : Company chooses not to provide a public response"},{"Question":"unauthorized inquiry on credit reports \n","text":"Company chooses not to provide a public response","context":": unauthorized inquiry on credit reports \n : Company chooses not to provide a public response"},{"Question":"Notice of federal tax Lien is on my public record and it should have been remove since XXXX\/XXXX\/2014. All credit agency 's Trans Union XXXX and XXXX still show it on my creditreport I want it off now. \n","text":"Company chooses not to provide a public response","context":": Notice of federal tax Lien is on my public record and it should have been remove since XXXX\/XXXX\/2014. All credit agency 's Trans Union XXXX and XXXX still show it on my creditreport I want it off now. \n : Company chooses not to provide a public response"},{"Question":"these inquiries on the bureaus do not belong to me, I have submitted paperwork and they did not remove the inquiries after multiple disputes \n","text":"Company chooses not to provide a public response","context":": these inquiries on the bureaus do not belong to me, I have submitted paperwork and they did not remove the inquiries after multiple disputes \n : Company chooses not to provide a public response"},{"Question":"Notice of federal tax Lien is on my public record and it should have been remove since XXXX\/XXXX\/2014. All credit agency 's XXXX XXXX XXXX and Experian still show it on my creditreport I want it off now. \n","text":"Company chooses not to provide a public response","context":": Notice of federal tax Lien is on my public record and it should have been remove since XXXX\/XXXX\/2014. All credit agency 's XXXX XXXX XXXX and Experian still show it on my creditreport I want it off now. \n : Company chooses not to provide a public response"},{"Question":"these items did not belong to me I pulled my report and saw them and addressed them with the credit bureau to no avail. \n","text":"Company chooses not to provide a public response","context":": these items did not belong to me I pulled my report and saw them and addressed them with the credit bureau to no avail. \n : Company chooses not to provide a public response"},{"Question":"i have had my identity stolen and have spoke with alll XXXX bureaus and submitted paperwork and they have not complied with the law, they will nor remove the fraud items \n","text":"Company chooses not to provide a public response","context":": i have had my identity stolen and have spoke with alll XXXX bureaus and submitted paperwork and they have not complied with the law, they will nor remove the fraud items \n : Company chooses not to provide a public response"},{"Question":"There was no validation sent. Was served to come to court with out a right to dispute debt. There was mail forwarding from previous address and nothing was ever forward. Requested validation of the debt and it was not provided. \n","text":"Company chooses not to provide a public response","context":": There was no validation sent. Was served to come to court with out a right to dispute debt. There was mail forwarding from previous address and nothing was ever forward. Requested validation of the debt and it was not provided. \n : Company chooses not to provide a public response"},{"Question":"i have disputed all of these items along with the inqiries and the credit bureaus did not address my issue. \n","text":"Company chooses not to provide a public response","context":": i have disputed all of these items along with the inqiries and the credit bureaus did not address my issue. \n : Company chooses not to provide a public response"},{"Question":"The company continuously calls my family and friends starting when I am 10 days late on a payment. They have called these people on much more than XXXX occasion and they know exactly how to get ahold of me. \n","text":"Company believes complaint is the result of an isolated error","context":": The company continuously calls my family and friends starting when I am 10 days late on a payment. They have called these people on much more than XXXX occasion and they know exactly how to get ahold of me. \n : Company believes complaint is the result of an isolated error"},{"Question":"I was a Co-Signer on a car loan for a family member. The debt has beenpaid and it is still being reported on my credit file XXXX \n","text":"Company chooses not to provide a public response","context":": I was a Co-Signer on a car loan for a family member. The debt has beenpaid and it is still being reported on my credit file XXXX \n : Company chooses not to provide a public response"},{"Question":"Penn credit at XXXX is calling my parents and saying they have an important message for someone ( who does not live at the house ), calling many times a day. Caller ID showed Penn Credit as caller. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Penn credit at XXXX is calling my parents and saying they have an important message for someone ( who does not live at the house ), calling many times a day. Caller ID showed Penn Credit as caller. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Bank of America is processing a short sale. They are requiring the mortgagor to sign an authorization to release personal nonpublic information such as social security numbers, account balances, payment information to the real estate broker in the transaction. \n","text":"Company chooses not to provide a public response","context":": Bank of America is processing a short sale. They are requiring the mortgagor to sign an authorization to release personal nonpublic information such as social security numbers, account balances, payment information to the real estate broker in the transaction. \n : Company chooses not to provide a public response"},{"Question":"i have XXXX accounts in dispute for over 14 months \n","text":"Company chooses not to provide a public response","context":": i have XXXX accounts in dispute for over 14 months \n : Company chooses not to provide a public response"},{"Question":"Unable to reach this company. Reporting a debt on my Credit Report. Had Bankruptcy in 2010. Would like them to validate the debt or remove the negative item from my CR report. \n","text":"Company disputes the facts presented in the complaint","context":": Unable to reach this company. Reporting a debt on my Credit Report. Had Bankruptcy in 2010. Would like them to validate the debt or remove the negative item from my CR report. \n : Company disputes the facts presented in the complaint"},{"Question":"My credit score decreased from XXXX to XXXX and I was not able to gain support from the agencies regarding why the sudden drop took place nor how I can rectify my score. I am attaching the report from credit karma. Thank you for your assistance in advance. \n","text":"Company chooses not to provide a public response","context":": My credit score decreased from XXXX to XXXX and I was not able to gain support from the agencies regarding why the sudden drop took place nor how I can rectify my score. I am attaching the report from credit karma. Thank you for your assistance in advance. \n : Company chooses not to provide a public response"},{"Question":"Bank of America and XXXX XXXX XXXX for illegally broke into their homes, changed locks to bar residents from re-entry, and shut off utilities well before a foreclosure is finalized. \n","text":"Company chooses not to provide a public response","context":": Bank of America and XXXX XXXX XXXX for illegally broke into their homes, changed locks to bar residents from re-entry, and shut off utilities well before a foreclosure is finalized. \n : Company chooses not to provide a public response"},{"Question":"I was sent to collections by XXXX XXXX XXXX. I paid in full to XXXX XXXX XXXX and have copies of my bank statements with all the electronic pmts. This is being reported as open by Transunion. \n","text":"Company chooses not to provide a public response","context":": I was sent to collections by XXXX XXXX XXXX. I paid in full to XXXX XXXX XXXX and have copies of my bank statements with all the electronic pmts. This is being reported as open by Transunion. \n : Company chooses not to provide a public response"},{"Question":"Commercial Acceptance Co still has a debt balance of {$180.00} listed as an open account on my credit report, as of XX\/XX\/XXXX. The debt was paid in full XX\/XX\/XXXX. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Commercial Acceptance Co still has a debt balance of {$180.00} listed as an open account on my credit report, as of XX\/XX\/XXXX. The debt was paid in full XX\/XX\/XXXX. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"There is XXXX public record from the collection agency that I have no knowledge about it. They are inaccurate on my credit report which affect a lot on the credit score since XXXX 2015. \n","text":"Company chooses not to provide a public response","context":": There is XXXX public record from the collection agency that I have no knowledge about it. They are inaccurate on my credit report which affect a lot on the credit score since XXXX 2015. \n : Company chooses not to provide a public response"},{"Question":"I transferred {$200.00} from a USAA account to a XXXX XXXX XXXX account on XX\/XX\/XXXX. XXXX XXXX XXXX did not receive it until XXXX XXXX. USAA said there processing took 2 to 3 days even though it asked for a transfer date and I requested XXXX XXXX, 2015. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I transferred {$200.00} from a USAA account to a XXXX XXXX XXXX account on XX\/XX\/XXXX. XXXX XXXX XXXX did not receive it until XXXX XXXX. USAA said there processing took 2 to 3 days even though it asked for a transfer date and I requested XXXX XXXX, 2015. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX XXXX, as Trustee ( successor to XXXX XXXX ) failed to abide by Consent Judgment entered in XXXX. XXXX. See attached Complaint. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX, as Trustee ( successor to XXXX XXXX ) failed to abide by Consent Judgment entered in XXXX. XXXX. See attached Complaint. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX set up a pyramid scam on XXXX in the group called \" XXXX $ XXXX $ XXXX {$20.00} auto reshare {$140.00} payout ''. When I figured out what it was, I asked for my money back and she will not send it back. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX XXXX XXXX set up a pyramid scam on XXXX in the group called \" XXXX $ XXXX $ XXXX {$20.00} auto reshare {$140.00} payout ''. When I figured out what it was, I asked for my money back and she will not send it back. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX emailed me that I have a account in collections on my credit report, I called the collection company and explained the debt is not mine. I then called the company that sent the info to the collection company and have no gotten anywhere in over a month. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX emailed me that I have a account in collections on my credit report, I called the collection company and explained the debt is not mine. I then called the company that sent the info to the collection company and have no gotten anywhere in over a month. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"called with voicemail saying they would contact my job and named my employeer and also that i will be having a case filed against me. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": called with voicemail saying they would contact my job and named my employeer and also that i will be having a case filed against me. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I disputed several accounts on my Experian credit report on XXXX\/XXXX\/15. Ihave yet to receive a response to investigation results. Pulled creditXXXX\/XXXX\/15 which still shows XXXX XXXXaccount # XXXX reflecting $ XXXXbalance. This was a rental agreement and merchandise was picked up. \n","text":"Company chooses not to provide a public response","context":": I disputed several accounts on my Experian credit report on XXXX\/XXXX\/15. Ihave yet to receive a response to investigation results. Pulled creditXXXX\/XXXX\/15 which still shows XXXX XXXXaccount # XXXX reflecting $ XXXXbalance. This was a rental agreement and merchandise was picked up. \n : Company chooses not to provide a public response"},{"Question":"My Home Loan Servicer did not properly allow for my participation in a mandated Home Loan foreclose avoidance program nor did they provide me with the information or guidance in a timely manner to prevent the impending loss of my Home. \n","text":"Company chooses not to provide a public response","context":": My Home Loan Servicer did not properly allow for my participation in a mandated Home Loan foreclose avoidance program nor did they provide me with the information or guidance in a timely manner to prevent the impending loss of my Home. \n : Company chooses not to provide a public response"},{"Question":"they deleted it now it back on this was never my account identity theft, fraud ExperianXXXX XXXX XXXX XXXX, TX XXXX XXXXAccount numberXXXXRecent balance {$720.00} as of XXXX\/XXXX\/2015 \n","text":"Company chooses not to provide a public response","context":": they deleted it now it back on this was never my account identity theft, fraud ExperianXXXX XXXX XXXX XXXX, TX XXXX XXXXAccount numberXXXXRecent balance {$720.00} as of XXXX\/XXXX\/2015 \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX has never been my account identity theft, fraud \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX has never been my account identity theft, fraud \n : Company chooses not to provide a public response"},{"Question":"I had a mortgage with XXXX in XX\/XX\/XXXX my payment was only XXXX a month owed XXXX Us Bank took over the loan in XX\/XX\/XXXX they said I owe XXXX and payment of XXXX a month WRONG. never signed a note with this US BANK just send payment to them. \n","text":"Company chooses not to provide a public response","context":": I had a mortgage with XXXX in XX\/XX\/XXXX my payment was only XXXX a month owed XXXX Us Bank took over the loan in XX\/XX\/XXXX they said I owe XXXX and payment of XXXX a month WRONG. never signed a note with this US BANK just send payment to them. \n : Company chooses not to provide a public response"},{"Question":"There is a legal item listed on my credit report that I paid and is listed as paid but I can not seem to get anyone to help me take care of it. \n","text":"Company chooses not to provide a public response","context":": There is a legal item listed on my credit report that I paid and is listed as paid but I can not seem to get anyone to help me take care of it. \n : Company chooses not to provide a public response"},{"Question":"I applied for an apartment and was turneddown because renters report said unlawful detainer ( landlord tenant court search ) I have never been evicted and have never been taken to court by landlord. There are XXXX names on my crefitreport that are not me. \n","text":"Company chooses not to provide a public response","context":": I applied for an apartment and was turneddown because renters report said unlawful detainer ( landlord tenant court search ) I have never been evicted and have never been taken to court by landlord. There are XXXX names on my crefitreport that are not me. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Continuously call my place of employment despite the fact I have told them not to do so. Scheduled court when I was in the hospital getting XXXX. The debt has been paid \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Continuously call my place of employment despite the fact I have told them not to do so. Scheduled court when I was in the hospital getting XXXX. The debt has been paid \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This bill was paid before the collection agency started collecting. \nWas never in default \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This bill was paid before the collection agency started collecting. \nWas never in default \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was advised to pull my credit report after Bankruptcy. Transunion is erroneously reporting XXXX which is not my account.TransUnion reporting XXXX incorrectly affecting my credit and my XXXX son who is a US Service member. \n","text":"Company chooses not to provide a public response","context":": I was advised to pull my credit report after Bankruptcy. Transunion is erroneously reporting XXXX which is not my account.TransUnion reporting XXXX incorrectly affecting my credit and my XXXX son who is a US Service member. \n : Company chooses not to provide a public response"},{"Question":"Called company for a verification of debt letter. Spoke to XXXX reps and a supervisor ( XXXX ) was told that a verification of debt letter can not be sent to NY residents. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Called company for a verification of debt letter. Spoke to XXXX reps and a supervisor ( XXXX ) was told that a verification of debt letter can not be sent to NY residents. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I HAVE HAD ENOUGH!! I KEEP GETTING CALLS, NASTY CALLS FROM THIS XXXX COMPANY AND I KEEP TELLING THEM THAT THE ACCOUNT IN QUESTION IS NOT MINE. I HAVE ALREADY SENT THEM XXXX LETTERS STATING THAT THEY NEED TO STOP, BUT THEY HAVE NOT OBVIOUSLY. \n","text":"Company chooses not to provide a public response","context":": I HAVE HAD ENOUGH!! I KEEP GETTING CALLS, NASTY CALLS FROM THIS XXXX COMPANY AND I KEEP TELLING THEM THAT THE ACCOUNT IN QUESTION IS NOT MINE. I HAVE ALREADY SENT THEM XXXX LETTERS STATING THAT THEY NEED TO STOP, BUT THEY HAVE NOT OBVIOUSLY. \n : Company chooses not to provide a public response"},{"Question":"The collection agency sent me several notices and I continouesly sent them reply that I had paid the bill in full before we move and I asked them to send me the supporting documents. \n\nInstead of sending me supporting documents they again send the notices \n","text":"Company chooses not to provide a public response","context":": The collection agency sent me several notices and I continouesly sent them reply that I had paid the bill in full before we move and I asked them to send me the supporting documents. \n\nInstead of sending me supporting documents they again send the notices \n : Company chooses not to provide a public response"},{"Question":"Got an auto loan in the amount of XXXX paid down to XXXX car was repossed and sold, now they 're saying I still owe the XXXX. They took this matter to court, now I have to make monthly payments of {$100.00} until paid in full, and still do n't have the car \n","text":"Company chooses not to provide a public response","context":": Got an auto loan in the amount of XXXX paid down to XXXX car was repossed and sold, now they 're saying I still owe the XXXX. They took this matter to court, now I have to make monthly payments of {$100.00} until paid in full, and still do n't have the car \n : Company chooses not to provide a public response"},{"Question":"Some addresses listed on credit report belong to another family member with the same last name I believe you have me confused with another family member \n","text":"Company chooses not to provide a public response","context":": Some addresses listed on credit report belong to another family member with the same last name I believe you have me confused with another family member \n : Company chooses not to provide a public response"},{"Question":"Experian took over 30 days to respond to my dispute of inaccurate items on my credit report. \nSee attached documents. \n","text":"Company chooses not to provide a public response","context":": Experian took over 30 days to respond to my dispute of inaccurate items on my credit report. \nSee attached documents. \n : Company chooses not to provide a public response"},{"Question":"XXXX opened a invalid 7 year car loan debt on my credit report that was bought by a collection agency ( accelerated financial ), which I m sure is totally out of the legal standard, after XXXX disputes XXXX wont still remove it from my report \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX opened a invalid 7 year car loan debt on my credit report that was bought by a collection agency ( accelerated financial ), which I m sure is totally out of the legal standard, after XXXX disputes XXXX wont still remove it from my report \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"US Bank has engaged in deceptive advertising. They enticed me to sign up for their credit card and pay an annual fee with promised benefits, and then took away the most valuable benefit -- the XXXX \" free night '' benefit. This is wrong and dishonest. \n","text":"Company chooses not to provide a public response","context":": US Bank has engaged in deceptive advertising. They enticed me to sign up for their credit card and pay an annual fee with promised benefits, and then took away the most valuable benefit -- the XXXX \" free night '' benefit. This is wrong and dishonest. \n : Company chooses not to provide a public response"},{"Question":"Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars in 2011 and one of XXXX and XXXX dollar in 2010 experian is reporting this and XXXX and I mailed them statements if proof of payment \n","text":"Company chooses not to provide a public response","context":": Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars in 2011 and one of XXXX and XXXX dollar in 2010 experian is reporting this and XXXX and I mailed them statements if proof of payment \n : Company chooses not to provide a public response"},{"Question":"TransUnion still reporting inaccurate information which is hurting my ability to obtain credit. \n\nSee attached documents. \n","text":"Company chooses not to provide a public response","context":": TransUnion still reporting inaccurate information which is hurting my ability to obtain credit. \n\nSee attached documents. \n : Company chooses not to provide a public response"},{"Question":"Stellar recovery place a bill on my credit report without sending me a written notice. Also never left me a message to call. I received an email thru my credit alert about the bill. \n","text":"Company believes complaint is the result of an isolated error","context":": Stellar recovery place a bill on my credit report without sending me a written notice. Also never left me a message to call. I received an email thru my credit alert about the bill. \n : Company believes complaint is the result of an isolated error"},{"Question":"ChexSystems has not responded in over 45 days to my dispute. \n","text":"Company chooses not to provide a public response","context":": ChexSystems has not responded in over 45 days to my dispute. \n : Company chooses not to provide a public response"},{"Question":"Someone put a fake check in my account when I was XXXX \n","text":"Company chooses not to provide a public response","context":": Someone put a fake check in my account when I was XXXX \n : Company chooses not to provide a public response"},{"Question":"The information falsely submitted by the establishment XXXX XXXX. This information has been detrimental to me and my family. This information was submitted fraudulently and without proper inspection. Supporting information can be found in news archives, about their fraudulent activity. \n","text":"Company chooses not to provide a public response","context":": The information falsely submitted by the establishment XXXX XXXX. This information has been detrimental to me and my family. This information was submitted fraudulently and without proper inspection. Supporting information can be found in news archives, about their fraudulent activity. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"credit card with bank of america with account number XXXX I am a XXXX and a lot of credit is merging with my name that I have no knowledge of and this is destroying my life and my credit. \n","text":"Company chooses not to provide a public response","context":": credit card with bank of america with account number XXXX I am a XXXX and a lot of credit is merging with my name that I have no knowledge of and this is destroying my life and my credit. \n : Company chooses not to provide a public response"},{"Question":"I have made multiple attempts to contact this company, with not ever receiving a response. This debt has been paid, and therefore should appear as closed and no longer in collections. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have made multiple attempts to contact this company, with not ever receiving a response. This debt has been paid, and therefore should appear as closed and no longer in collections. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A group on XXXX created a group. I realized that it was a pyramid scam. I sent them money in hopes of getting more back. I did n't not receive any money in return and they will not send my money back. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": A group on XXXX created a group. I realized that it was a pyramid scam. I sent them money in hopes of getting more back. I did n't not receive any money in return and they will not send my money back. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have the same bill reported XXXX times on my report. \nAct # XXXX & XXXX are duplicates. \nMed XXXX XXXX XXXXXXXX {$290.00} XX\/XX\/XXXX-XX\/XX\/XXXX \n","text":"Company chooses not to provide a public response","context":": I have the same bill reported XXXX times on my report. \nAct # XXXX & XXXX are duplicates. \nMed XXXX XXXX XXXXXXXX {$290.00} XX\/XX\/XXXX-XX\/XX\/XXXX \n : Company chooses not to provide a public response"},{"Question":"Credit report has been shared with car loan company by the name of XXXX which I never applied for this has to be a mistake \n","text":"Company chooses not to provide a public response","context":": Credit report has been shared with car loan company by the name of XXXX which I never applied for this has to be a mistake \n : Company chooses not to provide a public response"},{"Question":"FALSE COMPANY NAMED \" AMCA '' TRYING TO COLLECT A DEBT THAT I ALREADY PAID TO XXXX XXXX XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": FALSE COMPANY NAMED \" AMCA '' TRYING TO COLLECT A DEBT THAT I ALREADY PAID TO XXXX XXXX XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"is not me \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": is not me \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I have never lived in the state of XXXX. I have only been a resident in the state of XXXX and the state of XXXX. The information on my credit report is incorrect. \n","text":"Company chooses not to provide a public response","context":": I have never lived in the state of XXXX. I have only been a resident in the state of XXXX and the state of XXXX. The information on my credit report is incorrect. \n : Company chooses not to provide a public response"},{"Question":"On my car loan its says XXXX finance fee ... but I am being billed at {$15.00} a day. Does the finance rate and the cost per date ... add up ... I have paid {$4500.00}. In XXXX months and only about {$1300.00}. Has been applied to the principle ... \n","text":"Company chooses not to provide a public response","context":": On my car loan its says XXXX finance fee ... but I am being billed at {$15.00} a day. Does the finance rate and the cost per date ... add up ... I have paid {$4500.00}. In XXXX months and only about {$1300.00}. Has been applied to the principle ... \n : Company chooses not to provide a public response"},{"Question":"CitiCards ( CitiBank ) made changes to my login without any information or warning. And is not providing any response to inquiries. \n\nNow I can NOT access and can NOT use my rewards balance of over XXXX \n","text":"Company chooses not to provide a public response","context":": CitiCards ( CitiBank ) made changes to my login without any information or warning. And is not providing any response to inquiries. \n\nNow I can NOT access and can NOT use my rewards balance of over XXXX \n : Company chooses not to provide a public response"},{"Question":"Just would like to know why after paying bills on time for over 30 years and worked hard all my life to achieve a perfect credit score it seems this objective is impossible to reach? My credit score is very good but is it even possible to achieve a perfect score? \n","text":"Company chooses not to provide a public response","context":": Just would like to know why after paying bills on time for over 30 years and worked hard all my life to achieve a perfect credit score it seems this objective is impossible to reach? My credit score is very good but is it even possible to achieve a perfect score? \n : Company chooses not to provide a public response"},{"Question":"My identity got stolen \n","text":"Company chooses not to provide a public response","context":": My identity got stolen \n : Company chooses not to provide a public response"},{"Question":"I have several unauthorized credit inquiries on my credit report to companies in which I have not applied. I have attached the documents that i have mailed and faxed to the alleged creditor requesting that they remove the unauthorized credit inquiry from my credit report. \n","text":"Company chooses not to provide a public response","context":": I have several unauthorized credit inquiries on my credit report to companies in which I have not applied. I have attached the documents that i have mailed and faxed to the alleged creditor requesting that they remove the unauthorized credit inquiry from my credit report. \n : Company chooses not to provide a public response"},{"Question":"The credit report for Trans Union states that I used XXXX % of my XXXX XXXX account. ..which is incorrect? I 'm guess that this mistake caused the credit score to decrease by XXXX. Why would XXXX XXXX let me put more on a card than the limit? Did n't happen!!!! \n","text":"Company chooses not to provide a public response","context":": The credit report for Trans Union states that I used XXXX % of my XXXX XXXX account. ..which is incorrect? I 'm guess that this mistake caused the credit score to decrease by XXXX. Why would XXXX XXXX let me put more on a card than the limit? Did n't happen!!!! \n : Company chooses not to provide a public response"},{"Question":"I settled my payment but it 's still showing on my credit report \n","text":"Company chooses not to provide a public response","context":": I settled my payment but it 's still showing on my credit report \n : Company chooses not to provide a public response"},{"Question":"There is an credit card account that is stated as XXXX days late on my credit report when it was deemed not late by the credit card account company. \n","text":"Company chooses not to provide a public response","context":": There is an credit card account that is stated as XXXX days late on my credit report when it was deemed not late by the credit card account company. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I have sent Experian numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly. \n","text":"Company chooses not to provide a public response","context":": I have sent Experian numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly. \n : Company chooses not to provide a public response"},{"Question":"I have sent Trans Union numerous request to investigate and correct accounts in my credit report that are reporting incorrectly. \n","text":"Company chooses not to provide a public response","context":": I have sent Trans Union numerous request to investigate and correct accounts in my credit report that are reporting incorrectly. \n : Company chooses not to provide a public response"},{"Question":"I have been trying to get help resolving a lot loan charge off with BOA and I am getting the run around. \n","text":"Company chooses not to provide a public response","context":": I have been trying to get help resolving a lot loan charge off with BOA and I am getting the run around. \n : Company chooses not to provide a public response"},{"Question":"Enhanced Recovery continued to report an false claim on my credit files. The debt is not mind \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Enhanced Recovery continued to report an false claim on my credit files. The debt is not mind \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Since being contacted by this company I have replied to each letterin writing, provided a detailed narrative of the problems and a requestto cease any further contact on this issue. That request has beenignored. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Since being contacted by this company I have replied to each letterin writing, provided a detailed narrative of the problems and a requestto cease any further contact on this issue. That request has beenignored. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am disputing this collection and explained that to XXXX different callers from this company. I asked them to not call again. Now they call at least XXXX times a day and then hang up. The last phone call they called, someone breathed heavily on the line, and then they hung up. \n","text":"Company chooses not to provide a public response","context":": I am disputing this collection and explained that to XXXX different callers from this company. I asked them to not call again. Now they call at least XXXX times a day and then hang up. The last phone call they called, someone breathed heavily on the line, and then they hung up. \n : Company chooses not to provide a public response"},{"Question":"I was contacted in the past regarding debtfor someone otherthan myself. Allied Interstate was informed that I was notthe owner of the debt nor did I know them but the multiple dailycalls have continued. \n","text":"Company chooses not to provide a public response","context":": I was contacted in the past regarding debtfor someone otherthan myself. Allied Interstate was informed that I was notthe owner of the debt nor did I know them but the multiple dailycalls have continued. \n : Company chooses not to provide a public response"},{"Question":"This company has placed a debt on my credit file about a debt that I know nothing about. I have contacted them regarding this matter numerous times with no response. They are being an annoyance to both myself and my family. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This company has placed a debt on my credit file about a debt that I know nothing about. I have contacted them regarding this matter numerous times with no response. They are being an annoyance to both myself and my family. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"XXXX XXXX with XXXX XXXX pretended to be an attorney and threatened to have our daughter arrested over a debit to Wachovia Bank from 2009. The amount he tried to collect is also XXXX the amount she owed. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX with XXXX XXXX pretended to be an attorney and threatened to have our daughter arrested over a debit to Wachovia Bank from 2009. The amount he tried to collect is also XXXX the amount she owed. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX with CNP Solutions pretended to be an attorney and threatened to have our daughter arrested over a debit to XXXX from 2009. The amount he tried to collect is also XXXX the amount she owed. \n","text":"Company believes complaint represents an opportunity for improvement to better serve consumers","context":": XXXX XXXX with CNP Solutions pretended to be an attorney and threatened to have our daughter arrested over a debit to XXXX from 2009. The amount he tried to collect is also XXXX the amount she owed. \n : Company believes complaint represents an opportunity for improvement to better serve consumers"},{"Question":"I have closed a XXXX XXXX credit card becuase of high annual fee of {$450.00}. \nI closed this account on XXXX day after this fee appeared in the monthly statement. \nCustomer service refused to refund the annual fee either in full or pro-rated. \n","text":"Company chooses not to provide a public response","context":": I have closed a XXXX XXXX credit card becuase of high annual fee of {$450.00}. \nI closed this account on XXXX day after this fee appeared in the monthly statement. \nCustomer service refused to refund the annual fee either in full or pro-rated. \n : Company chooses not to provide a public response"},{"Question":"multiple unauthorized inquiries on report \n","text":"Company chooses not to provide a public response","context":": multiple unauthorized inquiries on report \n : Company chooses not to provide a public response"},{"Question":"This number has called me XXXX times a day. When I answer no one is there \n","text":"Company chooses not to provide a public response","context":": This number has called me XXXX times a day. When I answer no one is there \n : Company chooses not to provide a public response"},{"Question":"XXXX paid off on time. \n","text":"Company chooses not to provide a public response","context":": XXXX paid off on time. \n : Company chooses not to provide a public response"},{"Question":"Items are on my Credit Report that do not belong to me ... ... \n","text":"Company chooses not to provide a public response","context":": Items are on my Credit Report that do not belong to me ... ... \n : Company chooses not to provide a public response"},{"Question":"I have a lien that shows up on XXXX, Transunion that has been paid for. \n\nAll old deby from XXXX is paid as well but shows on transunion \n","text":"Company chooses not to provide a public response","context":": I have a lien that shows up on XXXX, Transunion that has been paid for. \n\nAll old deby from XXXX is paid as well but shows on transunion \n : Company chooses not to provide a public response"},{"Question":"Mortgage company failed to maintain proper accounting and balance for escrow and attempted to increase mortgage by $ XXXX {$400.00} per month on two occasions. After multiple requests for an explanation of increase, company is yet to provide consistent accounting. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Mortgage company failed to maintain proper accounting and balance for escrow and attempted to increase mortgage by $ XXXX {$400.00} per month on two occasions. After multiple requests for an explanation of increase, company is yet to provide consistent accounting. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I am trying to dispute addresses that are not correct on my credit report \n","text":"Company chooses not to provide a public response","context":": I am trying to dispute addresses that are not correct on my credit report \n : Company chooses not to provide a public response"},{"Question":"They are requesting information from me instead of following the proper Fair credit Reporting guidelines. It has been over a year and they want a bunch of documentation and will not send valid information to verify the account owner. \n","text":"Company chooses not to provide a public response","context":": They are requesting information from me instead of following the proper Fair credit Reporting guidelines. It has been over a year and they want a bunch of documentation and will not send valid information to verify the account owner. \n : Company chooses not to provide a public response"},{"Question":"This account has been paid in full since XXXX 2015. The company has yet to update the status and balance. It also lists late payments when in fact I was on time since XXXX 2015. I would like this account deleted if not then corrected \n","text":"Company chooses not to provide a public response","context":": This account has been paid in full since XXXX 2015. The company has yet to update the status and balance. It also lists late payments when in fact I was on time since XXXX 2015. I would like this account deleted if not then corrected \n : Company chooses not to provide a public response"},{"Question":"Citibank Best Buy Credit Card was not clear on how the payments towards their promotional balances ( 18 month financing ) were applied and were processed in a way that interests were accumulating. \n","text":"Company chooses not to provide a public response","context":": Citibank Best Buy Credit Card was not clear on how the payments towards their promotional balances ( 18 month financing ) were applied and were processed in a way that interests were accumulating. \n : Company chooses not to provide a public response"},{"Question":"As you can over look attached Doc. XXXX collection was reporting on my Credit Report reference to XXXX XXXX Account. \nit was reported by XXXX after disputing with Agency I submitted letter to transunion .. \nTransunion refuse to remove negative account from my report \n","text":"Company chooses not to provide a public response","context":": As you can over look attached Doc. XXXX collection was reporting on my Credit Report reference to XXXX XXXX Account. \nit was reported by XXXX after disputing with Agency I submitted letter to transunion .. \nTransunion refuse to remove negative account from my report \n : Company chooses not to provide a public response"},{"Question":"You have my name down as XXXX, XXXX XXXX - My ex husband from years ago is XXXX XXXX XXXX, his name should NOTot be on my name, my New husband of 12 yrs name is not on my name. Please take the XXXX off my name, we have separate Credit reports \n","text":"Company chooses not to provide a public response","context":": You have my name down as XXXX, XXXX XXXX - My ex husband from years ago is XXXX XXXX XXXX, his name should NOTot be on my name, my New husband of 12 yrs name is not on my name. Please take the XXXX off my name, we have separate Credit reports \n : Company chooses not to provide a public response"},{"Question":"this not my account so please remove \n","text":"Company chooses not to provide a public response","context":": this not my account so please remove \n : Company chooses not to provide a public response"},{"Question":"this not my account \n","text":"Company chooses not to provide a public response","context":": this not my account \n : Company chooses not to provide a public response"},{"Question":"this account was paid in full \n","text":"Company chooses not to provide a public response","context":": this account was paid in full \n : Company chooses not to provide a public response"},{"Question":"I never had a credit card from XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": I never had a credit card from XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"My complaint : I sent a dispute letter to Experian on XXXX, and i immediately received a suspicious letter back even though I sent proof of ID and address. \nThe outcome I want? \nI want Experian to do their job, and investigate my complaint. \n","text":"Company chooses not to provide a public response","context":": My complaint : I sent a dispute letter to Experian on XXXX, and i immediately received a suspicious letter back even though I sent proof of ID and address. \nThe outcome I want? \nI want Experian to do their job, and investigate my complaint. \n : Company chooses not to provide a public response"},{"Question":"Lien paid in 2009. Not being reported as paid \n","text":"Company chooses not to provide a public response","context":": Lien paid in 2009. Not being reported as paid \n : Company chooses not to provide a public response"},{"Question":"Denies that i have any bank accounts and has not updated my addresses in the last two years. The bank account is the same bank account from 2002 \n","text":"Company chooses not to provide a public response","context":": Denies that i have any bank accounts and has not updated my addresses in the last two years. The bank account is the same bank account from 2002 \n : Company chooses not to provide a public response"},{"Question":"Select Portfolio Servicing , Inc mailed us a mortgage statement\/coupon without any mortgage information on it other than their address, our property address and loan number. There is not even an amount or a date due on the form. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Select Portfolio Servicing , Inc mailed us a mortgage statement\/coupon without any mortgage information on it other than their address, our property address and loan number. There is not even an amount or a date due on the form. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Everytime they debited my bank account it was for more money than they were to get. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Everytime they debited my bank account it was for more money than they were to get. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I have like XXXX different social security numbers showing up \n","text":"Company chooses not to provide a public response","context":": I have like XXXX different social security numbers showing up \n : Company chooses not to provide a public response"},{"Question":"This account is not mine. I am a joint user, and have not used the account \n","text":"Company chooses not to provide a public response","context":": This account is not mine. I am a joint user, and have not used the account \n : Company chooses not to provide a public response"},{"Question":"TRANS UNION NEVER RESPONDED OR REPLIED TO MY INVESTIGATION AND ISSUE REMAINED ON MY REPORT. \n","text":"Company chooses not to provide a public response","context":": TRANS UNION NEVER RESPONDED OR REPLIED TO MY INVESTIGATION AND ISSUE REMAINED ON MY REPORT. \n : Company chooses not to provide a public response"},{"Question":"I have NEVER LIVED on XXXX XXXX, XXXX, NY \n","text":"Company chooses not to provide a public response","context":": I have NEVER LIVED on XXXX XXXX, XXXX, NY \n : Company chooses not to provide a public response"},{"Question":"i have XXXX accounts on my credit report with the same company only one is correct \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i have XXXX accounts on my credit report with the same company only one is correct \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"third party collection agency garnish my wages with verifying the debt after I sent them a debt verification notice several times \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": third party collection agency garnish my wages with verifying the debt after I sent them a debt verification notice several times \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"US Bank placed an unauthorized inquiry on my credit report XXXX. I never made this inquiry and I never applied for this card. Why and how is this on my credit file? \n","text":"Company chooses not to provide a public response","context":": US Bank placed an unauthorized inquiry on my credit report XXXX. I never made this inquiry and I never applied for this card. Why and how is this on my credit file? \n : Company chooses not to provide a public response"},{"Question":"Recently I was notified that Barclays Bank DE had placed an inquiry on my credit report with XXXX. I want this inquiry removed because I have never applied for a Barclays credit card and it was not authorized by me. \n","text":"Company chooses not to provide a public response","context":": Recently I was notified that Barclays Bank DE had placed an inquiry on my credit report with XXXX. I want this inquiry removed because I have never applied for a Barclays credit card and it was not authorized by me. \n : Company chooses not to provide a public response"},{"Question":"Never had XXXX \n","text":"Company chooses not to provide a public response","context":": Never had XXXX \n : Company chooses not to provide a public response"},{"Question":"Focus receivables management has no right to contact me or my business. I have no debt and they are phishing for personal information they are not allowed to ask for. Social security number. Date of birth. Mothers maiden name. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Focus receivables management has no right to contact me or my business. I have no debt and they are phishing for personal information they are not allowed to ask for. Social security number. Date of birth. Mothers maiden name. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Im a victim of title fraud XXXX XXXX made the title claim and told me not to pay the mortgage and they will not report any negative enclosed is a copy of the title claim \n","text":"Company chooses not to provide a public response","context":": Im a victim of title fraud XXXX XXXX made the title claim and told me not to pay the mortgage and they will not report any negative enclosed is a copy of the title claim \n : Company chooses not to provide a public response"},{"Question":"Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance. \n","text":"Company chooses not to provide a public response","context":": Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance. \n : Company chooses not to provide a public response"},{"Question":"I did not incur this debt and when does the statue of limitation ends? \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I did not incur this debt and when does the statue of limitation ends? \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Debt never validated. Settled with original creditor. This creditor presenting false and misleading information to credit bureaus damaging access to credit markets. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt never validated. Settled with original creditor. This creditor presenting false and misleading information to credit bureaus damaging access to credit markets. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have closed accounts still on my report hard inquiries on my report that I did not approve. I want them removed immediately I have contacted all XXXX credit places no responses from any of them \n","text":"Company chooses not to provide a public response","context":": I have closed accounts still on my report hard inquiries on my report that I did not approve. I want them removed immediately I have contacted all XXXX credit places no responses from any of them \n : Company chooses not to provide a public response"},{"Question":"They Call me at least XXXX times a day even, when i made a payment they wanted me to put a card on file for automatic debit. I refused to and told them that, but they continued to harass me anyway. They also call from numerous numbers from different states. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They Call me at least XXXX times a day even, when i made a payment they wanted me to put a card on file for automatic debit. I refused to and told them that, but they continued to harass me anyway. They also call from numerous numbers from different states. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"there are several accounts that I have advised that are not mine these were opened from identity theft and have not been removed I have gotten a police report recently that lists all of the accounts that are fraudulent and a notarized id theft affidavit \n","text":"Company chooses not to provide a public response","context":": there are several accounts that I have advised that are not mine these were opened from identity theft and have not been removed I have gotten a police report recently that lists all of the accounts that are fraudulent and a notarized id theft affidavit \n : Company chooses not to provide a public response"},{"Question":"This was paid same month due!!!!! Never received info from doctor 's billing correction. This was submitted one year ago as to their error! Please correct this inaccuracy immediately!!!! \n","text":"Company chooses not to provide a public response","context":": This was paid same month due!!!!! Never received info from doctor 's billing correction. This was submitted one year ago as to their error! Please correct this inaccuracy immediately!!!! \n : Company chooses not to provide a public response"},{"Question":"Charged wrong amount \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Charged wrong amount \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"i had a chaoter XXXX bankruotcy which was discharged on XXXX XXXX 20140my my case XXXX my attournys name is XXXX XXXX. his phone # is XXXX thank you for yout swift action in this manor XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": i had a chaoter XXXX bankruotcy which was discharged on XXXX XXXX 20140my my case XXXX my attournys name is XXXX XXXX. his phone # is XXXX thank you for yout swift action in this manor XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Debt claims I owe {$110.00} since XX\/XX\/XXXX. Seeing as though I was working in XXXX, it ca n't be authentic. Last reported in XX\/XX\/XXXX to the credit agencies. \n\nI already wrote to this company with no response. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Debt claims I owe {$110.00} since XX\/XX\/XXXX. Seeing as though I was working in XXXX, it ca n't be authentic. Last reported in XX\/XX\/XXXX to the credit agencies. \n\nI already wrote to this company with no response. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I do not know what what these bad accounts are. I have not had credit with XXXX \n","text":"Company chooses not to provide a public response","context":": I do not know what what these bad accounts are. I have not had credit with XXXX \n : Company chooses not to provide a public response"},{"Question":"Bank attorney is giving me the run around in court in an attempt to foreclose on the property instead of working with me to complete a short sale. I have qualified buyers who want the property. \n","text":"Company chooses not to provide a public response","context":": Bank attorney is giving me the run around in court in an attempt to foreclose on the property instead of working with me to complete a short sale. I have qualified buyers who want the property. \n : Company chooses not to provide a public response"},{"Question":"I have previously filed XXXX complaints regarding this issue, number XXXX and number XXXX. XXXX XXXX has now engaged a XXXX collection agency from whom I received correspondence this week attempting to collect this alleged debt which I have previously disputed XXXX. \n","text":"Company chooses not to provide a public response","context":": I have previously filed XXXX complaints regarding this issue, number XXXX and number XXXX. XXXX XXXX has now engaged a XXXX collection agency from whom I received correspondence this week attempting to collect this alleged debt which I have previously disputed XXXX. \n : Company chooses not to provide a public response"},{"Question":"Misrepresentation. Threatening legal action when outsode statue of limitations. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Misrepresentation. Threatening legal action when outsode statue of limitations. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX sent me a notice in the mail trying to collect on a supposed debt. They said the original creditor was Bank of America, and that I owed from a credit card back in XXXX. I have never had a Bank of America card! \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX sent me a notice in the mail trying to collect on a supposed debt. They said the original creditor was Bank of America, and that I owed from a credit card back in XXXX. I have never had a Bank of America card! \n : Company chooses not to provide a public response"},{"Question":"XXXX {$320.00} was paid and clearedConfirmation number is : XXXX \n","text":"Company chooses not to provide a public response","context":": XXXX {$320.00} was paid and clearedConfirmation number is : XXXX \n : Company chooses not to provide a public response"},{"Question":"Experian credit reporting has failed to update my credit report in a timely manner of all inaccurate and negative comment account information. \n","text":"Company chooses not to provide a public response","context":": Experian credit reporting has failed to update my credit report in a timely manner of all inaccurate and negative comment account information. \n : Company chooses not to provide a public response"},{"Question":"This company is trying to collect a debt I do n't owe. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This company is trying to collect a debt I do n't owe. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Tax Lein paid in full before going to collection and repeated negative remarks gir over 6 1\/2 years. \n","text":"Company chooses not to provide a public response","context":": Tax Lein paid in full before going to collection and repeated negative remarks gir over 6 1\/2 years. \n : Company chooses not to provide a public response"},{"Question":"Tax Lein paid off before sent to collections dating back to 2009. \n","text":"Company chooses not to provide a public response","context":": Tax Lein paid off before sent to collections dating back to 2009. \n : Company chooses not to provide a public response"},{"Question":"Outdated Tax Lein that was paid off before it went to collections. \n","text":"Company chooses not to provide a public response","context":": Outdated Tax Lein that was paid off before it went to collections. \n : Company chooses not to provide a public response"},{"Question":"A Bonus Award night benefit exclusively for card members was removed from the XXXX XXXX XXXX card. When I contacted them, regarding the issue they said that the annual fee could not be refunded and offered me measly XXXX points. \n","text":"Company chooses not to provide a public response","context":": A Bonus Award night benefit exclusively for card members was removed from the XXXX XXXX XXXX card. When I contacted them, regarding the issue they said that the annual fee could not be refunded and offered me measly XXXX points. \n : Company chooses not to provide a public response"},{"Question":"I have disputed this incorrect reporting with the XXXX bureaus, indicating this was paid\/equipment returned. I still have had no luck getting Stellar Recovery to remove this information from my credit files. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have disputed this incorrect reporting with the XXXX bureaus, indicating this was paid\/equipment returned. I still have had no luck getting Stellar Recovery to remove this information from my credit files. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have not been able to find out if my child 's SSN has been misused, but since her number was in the XXXX system at the time of the breach, I am concerned. TransUnion will not let me have a report on her, and I do n't know what else I can do. \n","text":"Company chooses not to provide a public response","context":": I have not been able to find out if my child 's SSN has been misused, but since her number was in the XXXX system at the time of the breach, I am concerned. TransUnion will not let me have a report on her, and I do n't know what else I can do. \n : Company chooses not to provide a public response"},{"Question":"My current address is wrong. \n","text":"Company chooses not to provide a public response","context":": My current address is wrong. \n : Company chooses not to provide a public response"},{"Question":"two debt collectors are trying to collect on the same debt XXXX provided verification of debt letters. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": two debt collectors are trying to collect on the same debt XXXX provided verification of debt letters. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX debt collectors are trying to collect on the same debt XXXX provided verification of debt letters. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX debt collectors are trying to collect on the same debt XXXX provided verification of debt letters. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Transunion is reporting a misspelling of my name. They are also reporting that I am unemployed. I am employed full time. \n\nXXXX is reporting an address that I have never lived at. They are also listing me as being unemployed. I am employed full time. \n","text":"Company chooses not to provide a public response","context":": Transunion is reporting a misspelling of my name. They are also reporting that I am unemployed. I am employed full time. \n\nXXXX is reporting an address that I have never lived at. They are also listing me as being unemployed. I am employed full time. \n : Company chooses not to provide a public response"},{"Question":"The we te are accountsan, names, and addresses that are not mine. \n","text":"Company chooses not to provide a public response","context":": The we te are accountsan, names, and addresses that are not mine. \n : Company chooses not to provide a public response"},{"Question":"Transunion has many items that were reinserted back on my credit report due to fraud. \nThe company refused to remove the items that were stolen under my social security number. \n","text":"Company chooses not to provide a public response","context":": Transunion has many items that were reinserted back on my credit report due to fraud. \nThe company refused to remove the items that were stolen under my social security number. \n : Company chooses not to provide a public response"},{"Question":"This is not mine. I cancelled service before my relocation. Account was in good standing prior to my move and collection of service did not violate any contract agreement \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This is not mine. I cancelled service before my relocation. Account was in good standing prior to my move and collection of service did not violate any contract agreement \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This account was sent to collections and judged upon where it was paid in full. There is a balance of {$21.00} showing. It should be {$0.00}. \n","text":"Company chooses not to provide a public response","context":": This account was sent to collections and judged upon where it was paid in full. There is a balance of {$21.00} showing. It should be {$0.00}. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Bank of America I requesting your assistanceAt anytime XX\/XX\/XXXX - XX\/XX\/XXXX did Bank of America acknowledge XXXX XXXX XXXX as owner of property located at XXXX XXXX XXXX XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": Bank of America I requesting your assistanceAt anytime XX\/XX\/XXXX - XX\/XX\/XXXX did Bank of America acknowledge XXXX XXXX XXXX as owner of property located at XXXX XXXX XXXX XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"An on-line loan was taken out under my name and Social Security number through Cash Net USA. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": An on-line loan was taken out under my name and Social Security number through Cash Net USA. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I am receiving letters from First National Collection Bureau for a debt that has been paid and does not show up on my credit report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am receiving letters from First National Collection Bureau for a debt that has been paid and does not show up on my credit report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This loan collateral collection agency, has made multiple calls to my phone per hour, and has egregiously called members of my family, who bear no rights or responsibility to my private financial matters. \n","text":"Company chooses not to provide a public response","context":": This loan collateral collection agency, has made multiple calls to my phone per hour, and has egregiously called members of my family, who bear no rights or responsibility to my private financial matters. \n : Company chooses not to provide a public response"},{"Question":"XXXX was paid by XXXX now they are out of business XXXX which i still have and never used have 2 collections on my credit score \n","text":"Company chooses not to provide a public response","context":": XXXX was paid by XXXX now they are out of business XXXX which i still have and never used have 2 collections on my credit score \n : Company chooses not to provide a public response"},{"Question":"experian credit reportXXXX XXXX status showing XXXXand showing foreclosure proceeding started status should be : included in chapter XXXX bankruptcy XXXX balance ( unrated ) \n","text":"Company chooses not to provide a public response","context":": experian credit reportXXXX XXXX status showing XXXXand showing foreclosure proceeding started status should be : included in chapter XXXX bankruptcy XXXX balance ( unrated ) \n : Company chooses not to provide a public response"},{"Question":"I am continuously being hounded, because of a debt that I 've proven to be brought on by identity theft, and therefore invalid. This time, a different collection agency is looking to collect. \n","text":"Company disputes the facts presented in the complaint","context":": I am continuously being hounded, because of a debt that I 've proven to be brought on by identity theft, and therefore invalid. This time, a different collection agency is looking to collect. \n : Company disputes the facts presented in the complaint"},{"Question":"experianXXXXXXXXXXXX XXXXstatus showing : collection\/charge off ( should be unknown ) debt was included in chapter XXXX bankruptcy filed XXXX. \n","text":"Company chooses not to provide a public response","context":": experianXXXXXXXXXXXX XXXXstatus showing : collection\/charge off ( should be unknown ) debt was included in chapter XXXX bankruptcy filed XXXX. \n : Company chooses not to provide a public response"},{"Question":"Fradulent credit inquiry on my credit report. I have called several times and told that this fradulent inquiry would be removed. It has not been removed from my credit reports. I did not authorize this inquiry and need it removed immediately \n","text":"Company chooses not to provide a public response","context":": Fradulent credit inquiry on my credit report. I have called several times and told that this fradulent inquiry would be removed. It has not been removed from my credit reports. I did not authorize this inquiry and need it removed immediately \n : Company chooses not to provide a public response"},{"Question":"I never had any credit cards opened in my name!!!! Someone opened XXXX in my name because it is showing on my credit report!!! I want to dispute this!!! \n","text":"Company chooses not to provide a public response","context":": I never had any credit cards opened in my name!!!! Someone opened XXXX in my name because it is showing on my credit report!!! I want to dispute this!!! \n : Company chooses not to provide a public response"},{"Question":"I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. My school location was XXXX College, XXXX XXXX. I still receive letters from them. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. My school location was XXXX College, XXXX XXXX. I still receive letters from them. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"EXPERIANXXXX\/XXXXaccount showing collection\/chargeoff ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX\/XX\/2015 \n","text":"Company chooses not to provide a public response","context":": EXPERIANXXXX\/XXXXaccount showing collection\/chargeoff ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX\/XX\/2015 \n : Company chooses not to provide a public response"},{"Question":"My mortgage company, Gateway Mortgage Group, double charged me, same amount on XXXX XXXX and XXXX XXXX, XX\/XX\/XXXXI contacted Gateway, they acknowledged that they double charged me and promised to refund me no later than XXXX XXXX, but they failed to do so. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": My mortgage company, Gateway Mortgage Group, double charged me, same amount on XXXX XXXX and XXXX XXXX, XX\/XX\/XXXXI contacted Gateway, they acknowledged that they double charged me and promised to refund me no later than XXXX XXXX, but they failed to do so. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I assume this is a energy company. Not sure what state it is in but I have never has service with XXXX energy. I was living in Ga at the time they reported the service and I do not believe this company services the Ga area. \n","text":"Company chooses not to provide a public response","context":": I assume this is a energy company. Not sure what state it is in but I have never has service with XXXX energy. I was living in Ga at the time they reported the service and I do not believe this company services the Ga area. \n : Company chooses not to provide a public response"},{"Question":"experianXXXX XXXXaccount showing a balance of {$5000.00} ( should be XXXX ) account showing collection\/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX\/XX\/2015 \n","text":"Company chooses not to provide a public response","context":": experianXXXX XXXXaccount showing a balance of {$5000.00} ( should be XXXX ) account showing collection\/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX\/XX\/2015 \n : Company chooses not to provide a public response"},{"Question":"experianXXXX XXXX XXXXaccount show collection\/charge off ( should be unknown with a XXXX balance ) account was included in chapter XXXX bankruptcy filed XX\/XX\/2015 \n","text":"Company chooses not to provide a public response","context":": experianXXXX XXXX XXXXaccount show collection\/charge off ( should be unknown with a XXXX balance ) account was included in chapter XXXX bankruptcy filed XX\/XX\/2015 \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Bank of America claimed I have done fraud. the account was cleared with them but it 's on my consumer report. \n","text":"Company chooses not to provide a public response","context":": Bank of America claimed I have done fraud. the account was cleared with them but it 's on my consumer report. \n : Company chooses not to provide a public response"},{"Question":"Threatened to take legal action and calling my employer 's Human Resources office to include garnishing my wages if either do n't call them back or pay a debt I do n't owe. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Threatened to take legal action and calling my employer 's Human Resources office to include garnishing my wages if either do n't call them back or pay a debt I do n't owe. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"EXPERIANXXXX XXXX XXXXACCOUNT SHOWING COLLECTION\/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX\/XX\/2015 \n","text":"Company chooses not to provide a public response","context":": EXPERIANXXXX XXXX XXXXACCOUNT SHOWING COLLECTION\/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX\/XX\/2015 \n : Company chooses not to provide a public response"},{"Question":"EXPERIANXXXX XXXXACCOUNT SHOWING COLLECTION CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX\/XX\/2015 \n","text":"Company chooses not to provide a public response","context":": EXPERIANXXXX XXXXACCOUNT SHOWING COLLECTION CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX\/XX\/2015 \n : Company chooses not to provide a public response"},{"Question":"I never had a XXXX phone \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I never had a XXXX phone \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I tried to get my free annual credit report and upon ID verification it asks about an auto loan and also a student loan. I have never received any type of loan in my lifetime. Please help me get to the bottom of this issue. \n","text":"Company chooses not to provide a public response","context":": I tried to get my free annual credit report and upon ID verification it asks about an auto loan and also a student loan. I have never received any type of loan in my lifetime. Please help me get to the bottom of this issue. \n : Company chooses not to provide a public response"},{"Question":"XXXXEXPERIAN XXXXACCOUNT SHOWING COLLECTION\/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX\/XX\/2015 \n","text":"Company chooses not to provide a public response","context":": XXXXEXPERIAN XXXXACCOUNT SHOWING COLLECTION\/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX\/XX\/2015 \n : Company chooses not to provide a public response"},{"Question":"They call repeatedly, do n't leave a message. Just in the last week they have called 6 times, sometimes at 3 in the afternoon and sometimes at 10 XXXX. They also call on weekends at odd late or super early times. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They call repeatedly, do n't leave a message. Just in the last week they have called 6 times, sometimes at 3 in the afternoon and sometimes at 10 XXXX. They also call on weekends at odd late or super early times. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"EXPERIANXXXX XXXX XXXXACCOUNT SHOWING COLLECTION\/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX\/XX\/2015 \n","text":"Company chooses not to provide a public response","context":": EXPERIANXXXX XXXX XXXXACCOUNT SHOWING COLLECTION\/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX\/XX\/2015 \n : Company chooses not to provide a public response"},{"Question":"I have sent Experian numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and they are ignoring my requests. \n","text":"Company chooses not to provide a public response","context":": I have sent Experian numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and they are ignoring my requests. \n : Company chooses not to provide a public response"},{"Question":"continued attempts from numerous collection agencies trying to collect on same acct. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": continued attempts from numerous collection agencies trying to collect on same acct. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"U.s. Bank charge me XXXX $ to check my balance on their atm. Bank agreed to reverse one of the charges after I complained although I asked that all be reversed as no prior notice of the charge was provided. \n","text":"Company chooses not to provide a public response","context":": U.s. Bank charge me XXXX $ to check my balance on their atm. Bank agreed to reverse one of the charges after I complained although I asked that all be reversed as no prior notice of the charge was provided. \n : Company chooses not to provide a public response"},{"Question":"I keep receiving calls about a debt I have no clue about \n","text":"Company can't verify or dispute the facts in the complaint","context":": I keep receiving calls about a debt I have no clue about \n : Company can't verify or dispute the facts in the complaint"},{"Question":"The Collection Company keeps calling and calling we have told them we do not owe them any money no body at this number owes any money they keep calling every day no matter what you tell them. \n","text":"Company chooses not to provide a public response","context":": The Collection Company keeps calling and calling we have told them we do not owe them any money no body at this number owes any money they keep calling every day no matter what you tell them. \n : Company chooses not to provide a public response"},{"Question":"I have lived at XXXX XXXX XXXX for XXXX yrs there r judgements on my credit report from different addresses that I never and couldnt have lived at. These do not belong to me \n","text":"Company chooses not to provide a public response","context":": I have lived at XXXX XXXX XXXX for XXXX yrs there r judgements on my credit report from different addresses that I never and couldnt have lived at. These do not belong to me \n : Company chooses not to provide a public response"},{"Question":"EXPERIANXXXX XXXXACCOUNT SHOWING COLLECTION\/ CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX\/XX\/2015 \n","text":"Company chooses not to provide a public response","context":": EXPERIANXXXX XXXXACCOUNT SHOWING COLLECTION\/ CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX\/XX\/2015 \n : Company chooses not to provide a public response"},{"Question":"I have items showing negiitive reports on accounts my ex wife must have got in my name unknowing to me \n","text":"Company chooses not to provide a public response","context":": I have items showing negiitive reports on accounts my ex wife must have got in my name unknowing to me \n : Company chooses not to provide a public response"},{"Question":"Have XXXX on my credit report there is no XXXX in my area, plus have not had cable for almost 2 years. Was not me. Have been a victim of identity theft in the before, might be related. Person who stole my identity was prosecuted. Please remove from my credit report. \n","text":"Company chooses not to provide a public response","context":": Have XXXX on my credit report there is no XXXX in my area, plus have not had cable for almost 2 years. Was not me. Have been a victim of identity theft in the before, might be related. Person who stole my identity was prosecuted. Please remove from my credit report. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Service LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis companys try to collect money from me, i dont have debt with this cmpanys they call me and sent letters form a medical bill \n","text":"Company disputes the facts presented in the complaint","context":": XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Service LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis companys try to collect money from me, i dont have debt with this cmpanys they call me and sent letters form a medical bill \n : Company disputes the facts presented in the complaint"},{"Question":"this company has placed a collection account on my credit but the debt does not belong to me and it was not validated. I have sent this company certified letters since XXXX 2015 and they continue to ignore me and report the unknown account on my credit. \n","text":"Company chooses not to provide a public response","context":": this company has placed a collection account on my credit but the debt does not belong to me and it was not validated. I have sent this company certified letters since XXXX 2015 and they continue to ignore me and report the unknown account on my credit. \n : Company chooses not to provide a public response"},{"Question":"The Bank of America is charging excessive overdraft fees. The charge for being overdrawn less than XXXX hours resulted in a {$70.00} fee. This should n't be legal. \n","text":"Company chooses not to provide a public response","context":": The Bank of America is charging excessive overdraft fees. The charge for being overdrawn less than XXXX hours resulted in a {$70.00} fee. This should n't be legal. \n : Company chooses not to provide a public response"},{"Question":"I receive multiple calls from USAA for someone who is no longer at this phone number. I 've asked them to remove my number from their list but they have not done it. I 've had enough. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I receive multiple calls from USAA for someone who is no longer at this phone number. I 've asked them to remove my number from their list but they have not done it. I 've had enough. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"i checked my credit report for XXXX and XXXX and i see a KAY JEWELERS account that says \" OPEN '' in XXXX XXXX, 2013 i just want it disputed for both bureaus bc i dont wan tit to keep saying is OPEN when i dont have an account at all \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i checked my credit report for XXXX and XXXX and i see a KAY JEWELERS account that says \" OPEN '' in XXXX XXXX, 2013 i just want it disputed for both bureaus bc i dont wan tit to keep saying is OPEN when i dont have an account at all \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"EXPERIANXXXX XXXXSTATUS IS SHOWING COLLECTION\/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX\/XX\/2015 \n","text":"Company chooses not to provide a public response","context":": EXPERIANXXXX XXXXSTATUS IS SHOWING COLLECTION\/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX\/XX\/2015 \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"EXPERIANXXXX XXXXSTATUS SHOWING COLLECTION\/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS SHOW UNPAID BALANCE ( SHOULD BE INCLUDED IN CHAPTER XXXX BANKRUPTCY ) ACCOUNT WAS LISTED IN CHAPTER XXXX BANKRUPTCY FILED XX\/XX\/2015 \n","text":"Company chooses not to provide a public response","context":": EXPERIANXXXX XXXXSTATUS SHOWING COLLECTION\/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS SHOW UNPAID BALANCE ( SHOULD BE INCLUDED IN CHAPTER XXXX BANKRUPTCY ) ACCOUNT WAS LISTED IN CHAPTER XXXX BANKRUPTCY FILED XX\/XX\/2015 \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"EXPERIANXXXX XXXX XXXXSTATUS SHOWING SHOWING COLLECTION\/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS UNPAID BALANCE ( SHOULD BE CHAPTER XXXX BANKRUPTCY \n","text":"Company chooses not to provide a public response","context":": EXPERIANXXXX XXXX XXXXSTATUS SHOWING SHOWING COLLECTION\/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS UNPAID BALANCE ( SHOULD BE CHAPTER XXXX BANKRUPTCY \n : Company chooses not to provide a public response"},{"Question":"I sent a letter requesting validation for a debt on my XXXX credit report. The debt is with Indepedent Recovery Resources in the amount of {$110.00}. I sent my first letter in XX\/XX\/XXXX and did not get a response. I sent another letter on XX\/XX\/XXXX and once again no response. \n","text":"Company chooses not to provide a public response","context":": I sent a letter requesting validation for a debt on my XXXX credit report. The debt is with Indepedent Recovery Resources in the amount of {$110.00}. I sent my first letter in XX\/XX\/XXXX and did not get a response. I sent another letter on XX\/XX\/XXXX and once again no response. \n : Company chooses not to provide a public response"},{"Question":"An address I do not recognize has appeared on my credit report. I have never lived or worked at the following address : XXXX XXXX XXXX XXXX XXXX, NY XXXX. \n","text":"Company chooses not to provide a public response","context":": An address I do not recognize has appeared on my credit report. I have never lived or worked at the following address : XXXX XXXX XXXX XXXX XXXX, NY XXXX. \n : Company chooses not to provide a public response"},{"Question":"XXXX accounts in collections were paid in full, but still showing as open\/unpaid on my credit report. \n","text":"Company chooses not to provide a public response","context":": XXXX accounts in collections were paid in full, but still showing as open\/unpaid on my credit report. \n : Company chooses not to provide a public response"},{"Question":"Received a voicemail from a woman asking me to call back about a debt, but did n't identify mini Miranda, nor who she was looking for and my outgoing voicemail message does n't identify anyone. \n","text":"Company chooses not to provide a public response","context":": Received a voicemail from a woman asking me to call back about a debt, but did n't identify mini Miranda, nor who she was looking for and my outgoing voicemail message does n't identify anyone. \n : Company chooses not to provide a public response"},{"Question":"Experian credit reporting agency send back a letter saying suspicious request in the mail, will not delete if disputing again same information. I had send personal information that they ( Experian ) requests to verify consumer. \n","text":"Company chooses not to provide a public response","context":": Experian credit reporting agency send back a letter saying suspicious request in the mail, will not delete if disputing again same information. I had send personal information that they ( Experian ) requests to verify consumer. \n : Company chooses not to provide a public response"},{"Question":"I had a mortgage from Bank of America. But they lost it for three years oresoso. They wanted {$100000.00}, I could not do so, and they foreclosed. \nI tried many other Banks and help. No good. \nThey bought XXXX XXXX mortgage in a heart beat. I was out! \nThis is a terrible Bank \n","text":"Company chooses not to provide a public response","context":": I had a mortgage from Bank of America. But they lost it for three years oresoso. They wanted {$100000.00}, I could not do so, and they foreclosed. \nI tried many other Banks and help. No good. \nThey bought XXXX XXXX mortgage in a heart beat. I was out! \nThis is a terrible Bank \n : Company chooses not to provide a public response"},{"Question":"transunionXXXX XXXXstatus showing collection\/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XXXX \n","text":"Company chooses not to provide a public response","context":": transunionXXXX XXXXstatus showing collection\/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XXXX \n : Company chooses not to provide a public response"},{"Question":"i have tried online and through the mail to recieve my report from experian and can not get it i have tried on many occasions. \n","text":"Company chooses not to provide a public response","context":": i have tried online and through the mail to recieve my report from experian and can not get it i have tried on many occasions. \n : Company chooses not to provide a public response"},{"Question":"I just pulled up some info XXXX and noticed a company called, XXXX that has me with a balance Of {$1100.00}, from 2011, I have no idea of such a debt, and believe this is definitely an error.Thank You I really do n't use computers enough to do all the upload requiring, sorry. \n","text":"Company chooses not to provide a public response","context":": I just pulled up some info XXXX and noticed a company called, XXXX that has me with a balance Of {$1100.00}, from 2011, I have no idea of such a debt, and believe this is definitely an error.Thank You I really do n't use computers enough to do all the upload requiring, sorry. \n : Company chooses not to provide a public response"},{"Question":"I ended my contract with XXXX in XXXX 2014 and they still charged me a month 's fee even after I switched carriers and no longer had active service with XXXX. I do not owe this amount as my service was terminated. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I ended my contract with XXXX in XXXX 2014 and they still charged me a month 's fee even after I switched carriers and no longer had active service with XXXX. I do not owe this amount as my service was terminated. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is an account listed which is not verifiable and outdated XXXX past the statue. I have disputed several times and verification requested and no resolving. Please help with this XXXX XXXX account listed # XXXX \n","text":"Company chooses not to provide a public response","context":": There is an account listed which is not verifiable and outdated XXXX past the statue. I have disputed several times and verification requested and no resolving. Please help with this XXXX XXXX account listed # XXXX \n : Company chooses not to provide a public response"},{"Question":"Account is not mine, I did not pay or have a collection balance with XXXX, I have current service and always pay on time. This is unverifiable and inaccurate data \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Account is not mine, I did not pay or have a collection balance with XXXX, I have current service and always pay on time. This is unverifiable and inaccurate data \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"wrote check to XXXX XXXX XXXX XXXX dated XXXX XXXX, check was cashed on the XXXX from my account at Bank of America, my payroll was deposited on the XXXX. I was charged a overdraft fee of {$35.00}, even though I do not have overdraft protection. \n","text":"Company chooses not to provide a public response","context":": wrote check to XXXX XXXX XXXX XXXX dated XXXX XXXX, check was cashed on the XXXX from my account at Bank of America, my payroll was deposited on the XXXX. I was charged a overdraft fee of {$35.00}, even though I do not have overdraft protection. \n : Company chooses not to provide a public response"},{"Question":"I filed against Bank of America refused refund {$900.00} for unfair and deceptive overdraft practices. In addition, I do not satisfy with Monthly service fee {$.00} with unfit Oregon resident records. I do not interest in Bank of America within XXXX resident telling to U.S. Senators! \n","text":"Company chooses not to provide a public response","context":": I filed against Bank of America refused refund {$900.00} for unfair and deceptive overdraft practices. In addition, I do not satisfy with Monthly service fee {$.00} with unfit Oregon resident records. I do not interest in Bank of America within XXXX resident telling to U.S. Senators! \n : Company chooses not to provide a public response"},{"Question":"I have called several times to Regions to correct the reporting of my loan to the credit bureau. I have request Regions send me a print out of all payments paid from the beginning of loan. Regions Mortgage has n't sent anything or correct the file. \n","text":"Company chooses not to provide a public response","context":": I have called several times to Regions to correct the reporting of my loan to the credit bureau. I have request Regions send me a print out of all payments paid from the beginning of loan. Regions Mortgage has n't sent anything or correct the file. \n : Company chooses not to provide a public response"},{"Question":"Student loan information entered twice ( same loan amount and acct number listed 2 times ) on list of owed liabilities on my credit report. \n","text":"Company chooses not to provide a public response","context":": Student loan information entered twice ( same loan amount and acct number listed 2 times ) on list of owed liabilities on my credit report. \n : Company chooses not to provide a public response"},{"Question":"Student loan information entered XXXX ( same loan amount and acct number listed XXXX times ) on list of owed liabilities on my credit report. \n","text":"Company chooses not to provide a public response","context":": Student loan information entered XXXX ( same loan amount and acct number listed XXXX times ) on list of owed liabilities on my credit report. \n : Company chooses not to provide a public response"},{"Question":"submitted a letter disputing wrong information, transition would not delete. \n","text":"Company chooses not to provide a public response","context":": submitted a letter disputing wrong information, transition would not delete. \n : Company chooses not to provide a public response"},{"Question":"XXXX {$100.00} is on my credit tracker from XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": XXXX {$100.00} is on my credit tracker from XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"UNABLE TO CONTACT EXPERIAN THERE NO PHONE NUMBERAFTER VIEWING MY REPORT I HAVE SOME QUESTIONS I WANT ANSWEREDIF THEY CAN PUT IT IN MY REPORT THEY NEED TO BACK IT UP, IF THEY CAI N'T THEY ARE HURTING MY CREDIT \n","text":"Company chooses not to provide a public response","context":": UNABLE TO CONTACT EXPERIAN THERE NO PHONE NUMBERAFTER VIEWING MY REPORT I HAVE SOME QUESTIONS I WANT ANSWEREDIF THEY CAN PUT IT IN MY REPORT THEY NEED TO BACK IT UP, IF THEY CAI N'T THEY ARE HURTING MY CREDIT \n : Company chooses not to provide a public response"},{"Question":"I had a Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. Genesis lending has now sold my loan to XXXX. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I had a Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. Genesis lending has now sold my loan to XXXX. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Enhanced recovery systems called my job XXXX weeks ago, they were notified that personal phone calls are not permitted by our company, a week later, XXXX more calls at work from the same company happened after they were told to not call me at work \n","text":"Company disputes the facts presented in the complaint","context":": Enhanced recovery systems called my job XXXX weeks ago, they were notified that personal phone calls are not permitted by our company, a week later, XXXX more calls at work from the same company happened after they were told to not call me at work \n : Company disputes the facts presented in the complaint"},{"Question":"I have sent Experian requests to investigate and remove accounts from my credit report that do not belong to me and they are ignoring my requests. \n","text":"Company chooses not to provide a public response","context":": I have sent Experian requests to investigate and remove accounts from my credit report that do not belong to me and they are ignoring my requests. \n : Company chooses not to provide a public response"},{"Question":"The XXXX Is my dads name and So is the Tax Lien on XXXX\/XXXX\/2009 XXXX. Also I have never lived on at XXXX XXXX XXXX ohio XXXX \n","text":"Company chooses not to provide a public response","context":": The XXXX Is my dads name and So is the Tax Lien on XXXX\/XXXX\/2009 XXXX. Also I have never lived on at XXXX XXXX XXXX ohio XXXX \n : Company chooses not to provide a public response"},{"Question":"THERE IS A INQUIRE ON MY CREDIT REPORT THAT I DIDNT MAKE AND NEED TO BE REMOVED \n","text":"Company chooses not to provide a public response","context":": THERE IS A INQUIRE ON MY CREDIT REPORT THAT I DIDNT MAKE AND NEED TO BE REMOVED \n : Company chooses not to provide a public response"},{"Question":"i have been a victim of identitiy theft and these accounts is a result of it they are being reported on my credit file and they are fraudulent \n","text":"Company chooses not to provide a public response","context":": i have been a victim of identitiy theft and these accounts is a result of it they are being reported on my credit file and they are fraudulent \n : Company chooses not to provide a public response"},{"Question":"There is a unknown account and charge listed which looks very old also. No verification has ever been given. I have disputed this with no outcome and requested validation with nothing given. Please help assist me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": There is a unknown account and charge listed which looks very old also. No verification has ever been given. I have disputed this with no outcome and requested validation with nothing given. Please help assist me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Green Tree Financial refusing to provide loan payoff amount timely. \n","text":"Company disputes the facts presented in the complaint","context":": Green Tree Financial refusing to provide loan payoff amount timely. \n : Company disputes the facts presented in the complaint"},{"Question":"When I saw ( Year of birth XX\/XX\/XXXX ) on my Experian credit report I was shocked. I was born XX\/XX\/XXXX \n","text":"Company chooses not to provide a public response","context":": When I saw ( Year of birth XX\/XX\/XXXX ) on my Experian credit report I was shocked. I was born XX\/XX\/XXXX \n : Company chooses not to provide a public response"},{"Question":"judgement has been settled and want the credit bureau to report the judgement and the account as settled. \n","text":"Company chooses not to provide a public response","context":": judgement has been settled and want the credit bureau to report the judgement and the account as settled. \n : Company chooses not to provide a public response"},{"Question":"There is a couple items which are unknown and no verification exist and they appear to be outdated also. I disputed and requested validation and nothing was provided. Please help resolve this matter. \nXXXX XXXX # XXXX XXXX account and unknownCredit XXXX # XXXX Unknown and outdated \n","text":"Company chooses not to provide a public response","context":": There is a couple items which are unknown and no verification exist and they appear to be outdated also. I disputed and requested validation and nothing was provided. Please help resolve this matter. \nXXXX XXXX # XXXX XXXX account and unknownCredit XXXX # XXXX Unknown and outdated \n : Company chooses not to provide a public response"},{"Question":"this accout is not mine but this company claims it is and is reporting this debt this was from identity theft and is fraudulent i have filed police reports and id theft affidavit \n","text":"Company chooses not to provide a public response","context":": this accout is not mine but this company claims it is and is reporting this debt this was from identity theft and is fraudulent i have filed police reports and id theft affidavit \n : Company chooses not to provide a public response"},{"Question":"Bank of America reduced my credit card limit, damaging my credit while I paid my out my amount in full and being a good payment \n","text":"Company chooses not to provide a public response","context":": Bank of America reduced my credit card limit, damaging my credit while I paid my out my amount in full and being a good payment \n : Company chooses not to provide a public response"},{"Question":"constant calling about a debt that 's not identified whether by mail or phone call \n","text":"Company can't verify or dispute the facts in the complaint","context":": constant calling about a debt that 's not identified whether by mail or phone call \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I have been attempting to get a payoff letter from my mortgage company since XXXX XXXX. The payment is due in 5 days and they are not getting me the letter. I was told yesterday to call today for it ; when i called today it was still not done. \n","text":"Company disputes the facts presented in the complaint","context":": I have been attempting to get a payoff letter from my mortgage company since XXXX XXXX. The payment is due in 5 days and they are not getting me the letter. I was told yesterday to call today for it ; when i called today it was still not done. \n : Company disputes the facts presented in the complaint"},{"Question":"Wells Fargo dealer services calls me at least 8 to 10 times a day, I am not 30days late on a payment, in actuality I only owe them XXXX. They continuous ring my phone at all hours of the day including before XXXX. They are also calling 3 or 4 times when I am working. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo dealer services calls me at least 8 to 10 times a day, I am not 30days late on a payment, in actuality I only owe them XXXX. They continuous ring my phone at all hours of the day including before XXXX. They are also calling 3 or 4 times when I am working. \n : Company chooses not to provide a public response"},{"Question":"I have XXXX accounts that are showing up with this company that were a result of my id 's being stolen and are fraudulent they are reporting on my credit file and the companies records \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have XXXX accounts that are showing up with this company that were a result of my id 's being stolen and are fraudulent they are reporting on my credit file and the companies records \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received a phone call from a debt collector threatening to take legal action against me. She advised me that if I did not pay the amount owed, that a warrant would be issued for my arrest. She is using empty threats to collect a debt. \n","text":"Company chooses not to provide a public response","context":": I received a phone call from a debt collector threatening to take legal action against me. She advised me that if I did not pay the amount owed, that a warrant would be issued for my arrest. She is using empty threats to collect a debt. \n : Company chooses not to provide a public response"},{"Question":"I told them that this is not my debt, must be some mistake, I had to appear in court but did not get a chance to speak to the judge, was told to wait that some one would call me, I tried to explain but she did not want to hear any thing I had to say she gave me another court date. \n","text":"Company chooses not to provide a public response","context":": I told them that this is not my debt, must be some mistake, I had to appear in court but did not get a chance to speak to the judge, was told to wait that some one would call me, I tried to explain but she did not want to hear any thing I had to say she gave me another court date. \n : Company chooses not to provide a public response"},{"Question":"this account is a fraudulent account and was from identity theft but it is reporting on my credit and this company has this frauudlent account on their records \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": this account is a fraudulent account and was from identity theft but it is reporting on my credit and this company has this frauudlent account on their records \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My car was stolen and some one stole my information to obtain credit. I received bills that did not belong to me.I pulled my credit report and there are accounts that are not mines. \n","text":"Company chooses not to provide a public response","context":": My car was stolen and some one stole my information to obtain credit. I received bills that did not belong to me.I pulled my credit report and there are accounts that are not mines. \n : Company chooses not to provide a public response"},{"Question":"this debt is fraudulent was created from identity theft and needs to be removed i have filed a ftc and police report \n","text":"Company believes the complaint is the result of a misunderstanding","context":": this debt is fraudulent was created from identity theft and needs to be removed i have filed a ftc and police report \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"The Debt collector Caine and Weiner contacted an emergency contact to get in contact with me. I do not feel that this was professional. The original debtor should have gave them all of the pertinent information to try and solve this issue. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The Debt collector Caine and Weiner contacted an emergency contact to get in contact with me. I do not feel that this was professional. The original debtor should have gave them all of the pertinent information to try and solve this issue. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have disputed this account to all XXXX credit bureaus to no avail. I have submitted documentation to the credit bureaus from the creditor stating the account is closed and to remove it. The credit bureaus will not update my reports \n","text":"Company chooses not to provide a public response","context":": I have disputed this account to all XXXX credit bureaus to no avail. I have submitted documentation to the credit bureaus from the creditor stating the account is closed and to remove it. The credit bureaus will not update my reports \n : Company chooses not to provide a public response"},{"Question":"Experian and XXXX continue to not comply I do not know what else to do, the lien was withdrawn XXXX removed it and evidence was submitted to all three. Please help \n","text":"Company chooses not to provide a public response","context":": Experian and XXXX continue to not comply I do not know what else to do, the lien was withdrawn XXXX removed it and evidence was submitted to all three. Please help \n : Company chooses not to provide a public response"},{"Question":"I was charged a late fee on my account even though I have automatic payments on, and to pay when statement is received, and a payment is on the statement with the late fee. \nThe charge has been reversed, but I would suspect that this would happen to many consumers at the company. \n","text":"Company chooses not to provide a public response","context":": I was charged a late fee on my account even though I have automatic payments on, and to pay when statement is received, and a payment is on the statement with the late fee. \nThe charge has been reversed, but I would suspect that this would happen to many consumers at the company. \n : Company chooses not to provide a public response"},{"Question":"I sent commonwealth financial a debt validation in the mail and fax on XX\/XX\/2015, its been over 30 days, they never responded with doscumentation of account, thats a violation of fcra and fdcpa i want it deleted from my XXXX credit file right away. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I sent commonwealth financial a debt validation in the mail and fax on XX\/XX\/2015, its been over 30 days, they never responded with doscumentation of account, thats a violation of fcra and fdcpa i want it deleted from my XXXX credit file right away. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"One of the address is incorrect. I never lived in XXXX, NJ. That is wrong address. Please delete wrong information. Thank you. \n","text":"Company chooses not to provide a public response","context":": One of the address is incorrect. I never lived in XXXX, NJ. That is wrong address. Please delete wrong information. Thank you. \n : Company chooses not to provide a public response"},{"Question":"I have sent Trans Union requests to investigate and remove accounts from my credit report that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": I have sent Trans Union requests to investigate and remove accounts from my credit report that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"All cards under XXXX XXXX after XXXX 2003 are not mine. I got my own cards after my divorce. The cards belong to XXXX XXXX XXXX. I believe these reports should not be on my credit reports. \n","text":"Company chooses not to provide a public response","context":": All cards under XXXX XXXX after XXXX 2003 are not mine. I got my own cards after my divorce. The cards belong to XXXX XXXX XXXX. I believe these reports should not be on my credit reports. \n : Company chooses not to provide a public response"},{"Question":"Collection agency can not provide information regarding original office where services were rendered. I have paid all debts in relation to the hospital visit on XXXX\/XXXX\/13 \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Collection agency can not provide information regarding original office where services were rendered. I have paid all debts in relation to the hospital visit on XXXX\/XXXX\/13 \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Any cards with XXXX XXXX are not mine. As of XXXX 2003, I was divorced. These belong to XXXX XXXX XXXX of XXXX, XXXX. \n","text":"Company chooses not to provide a public response","context":": Any cards with XXXX XXXX are not mine. As of XXXX 2003, I was divorced. These belong to XXXX XXXX XXXX of XXXX, XXXX. \n : Company chooses not to provide a public response"},{"Question":"Experian has still not provided me with the credit report I requested XXXX weeks ago. They can not be reached by phone or internet. And they seem to ignore mail. \n","text":"Company chooses not to provide a public response","context":": Experian has still not provided me with the credit report I requested XXXX weeks ago. They can not be reached by phone or internet. And they seem to ignore mail. \n : Company chooses not to provide a public response"},{"Question":"Company is called Escallate, their phone number is XXXX, and they are calling BEFORE XXXX, today it was at XXXX, also, it 's an automated message, partially cut off, and I had to XXXX the phone number to find out who the company was. \n","text":"Company chooses not to provide a public response","context":": Company is called Escallate, their phone number is XXXX, and they are calling BEFORE XXXX, today it was at XXXX, also, it 's an automated message, partially cut off, and I had to XXXX the phone number to find out who the company was. \n : Company chooses not to provide a public response"},{"Question":"Creditor called once at XXXX and again at XXXX the same day which violates my consumer rights per the Fair Debt Collection Practices Act. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Creditor called once at XXXX and again at XXXX the same day which violates my consumer rights per the Fair Debt Collection Practices Act. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Some one opened two accounts in my name at XXXX a town I do not live in. This is identity theft and it is the second time that has occured XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Some one opened two accounts in my name at XXXX a town I do not live in. This is identity theft and it is the second time that has occured XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I FILLED OUT ALL THE INFORMATION AND WITHOUT ANY EXPLANATION, THEY DID NOT RELEASE MY REPORT OR SCORE. \n","text":"Company chooses not to provide a public response","context":": I FILLED OUT ALL THE INFORMATION AND WITHOUT ANY EXPLANATION, THEY DID NOT RELEASE MY REPORT OR SCORE. \n : Company chooses not to provide a public response"},{"Question":"Debt paid in full. Report not deleted from XXXX credit report as agreed upon by paying higher amount. \n","text":"Company disputes the facts presented in the complaint","context":": Debt paid in full. Report not deleted from XXXX credit report as agreed upon by paying higher amount. \n : Company disputes the facts presented in the complaint"},{"Question":"The information still shows that I went Bankrupt. It has been way .... over 7 years. It needs to be removed because of the Statute of Limitations. \n","text":"Company chooses not to provide a public response","context":": The information still shows that I went Bankrupt. It has been way .... over 7 years. It needs to be removed because of the Statute of Limitations. \n : Company chooses not to provide a public response"},{"Question":"Kay Jewelers is set to come off my credit reports in XXXX 2016. However, Florida Statute XXXX indicates that it should not be reported more than 5 years after the final payment which led to the charge-off. Therefore, it is beyond statute of limitation. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Kay Jewelers is set to come off my credit reports in XXXX 2016. However, Florida Statute XXXX indicates that it should not be reported more than 5 years after the final payment which led to the charge-off. Therefore, it is beyond statute of limitation. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have called XXXX times to Bank of American to remove my PMI and I was told each time that they need me to complete forms that they will not send. They say they send them but after calling XXXX times to ask why I have yet to receive any forms they just tell me they mail them. \n","text":"Company chooses not to provide a public response","context":": I have called XXXX times to Bank of American to remove my PMI and I was told each time that they need me to complete forms that they will not send. They say they send them but after calling XXXX times to ask why I have yet to receive any forms they just tell me they mail them. \n : Company chooses not to provide a public response"},{"Question":"There is a {$340.00} reported XXXX XXXX ) by transunion on my credit report. This is wrong, i dont know what this is about and it is reported as derogatory XXXX on my credit. \n","text":"Company chooses not to provide a public response","context":": There is a {$340.00} reported XXXX XXXX ) by transunion on my credit report. This is wrong, i dont know what this is about and it is reported as derogatory XXXX on my credit. \n : Company chooses not to provide a public response"},{"Question":"I had a balance with XXXX XXXX and paid it but Focus receivables management continues to call and does not remove the item off my credit report and it is causing a negative mark on my report. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I had a balance with XXXX XXXX and paid it but Focus receivables management continues to call and does not remove the item off my credit report and it is causing a negative mark on my report. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I had to take out a number of pay day loans to help cover exspenses ive been trying to pay but at 783 % interest it is almost impossible they wont stop calling am im at my wits end and I do n't know where to turn \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I had to take out a number of pay day loans to help cover exspenses ive been trying to pay but at 783 % interest it is almost impossible they wont stop calling am im at my wits end and I do n't know where to turn \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My identification stole \n","text":"Company chooses not to provide a public response","context":": My identification stole \n : Company chooses not to provide a public response"},{"Question":"I am doing XXXX complaints to each bureau because I have disputed many times the account XXXX XXXX. This account from years ago is not mine and all I ask is for it to be deleted off of my credit report. \n","text":"Company chooses not to provide a public response","context":": I am doing XXXX complaints to each bureau because I have disputed many times the account XXXX XXXX. This account from years ago is not mine and all I ask is for it to be deleted off of my credit report. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX, NH XXXXshow up as address in my credit report. I have not lived at this address and want to try to get it off of my report under personal information. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX, NH XXXXshow up as address in my credit report. I have not lived at this address and want to try to get it off of my report under personal information. \n : Company chooses not to provide a public response"},{"Question":"I sold my house on XX\/XX\/2014 and paid the money at closing to Bank of America. They went and reported me late to all XXXX credit bureaus thus causing an issue with buying a new home. It still shows up on my new credit report. \n","text":"Company chooses not to provide a public response","context":": I sold my house on XX\/XX\/2014 and paid the money at closing to Bank of America. They went and reported me late to all XXXX credit bureaus thus causing an issue with buying a new home. It still shows up on my new credit report. \n : Company chooses not to provide a public response"},{"Question":"My son is XXXX and they constantly call him. I tried to call to tell them to stop and I got a rude lady say \" rpm, due to high call volume a representative will call you back '' she then hung up before I could say anything. \n","text":"Company chooses not to provide a public response","context":": My son is XXXX and they constantly call him. I tried to call to tell them to stop and I got a rude lady say \" rpm, due to high call volume a representative will call you back '' she then hung up before I could say anything. \n : Company chooses not to provide a public response"},{"Question":"This account keeps leaching into my credit file on Trans Union XXXX Credit reporting data bases. It has been removed from my credit file once already under a different name and now reappears under a new collection agency name. \nThis is not mine and I am really tired of all this drama. \n","text":"Company chooses not to provide a public response","context":": This account keeps leaching into my credit file on Trans Union XXXX Credit reporting data bases. It has been removed from my credit file once already under a different name and now reappears under a new collection agency name. \nThis is not mine and I am really tired of all this drama. \n : Company chooses not to provide a public response"},{"Question":"All of the information related to a XXXX XXXX in XXXX XXXX, CA is not mine ( not me ) I 've never lived in California \n","text":"Company chooses not to provide a public response","context":": All of the information related to a XXXX XXXX in XXXX XXXX, CA is not mine ( not me ) I 've never lived in California \n : Company chooses not to provide a public response"},{"Question":"Keep calling my phone and job threaten with legal action also arrest \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Keep calling my phone and job threaten with legal action also arrest \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Trans Union reports that I lived at XXXX XXXX XXXX XXXX XXXX, Indiana XXXX ; I have never lived at that address! I also suspect that my brother XXXX ( XXXX ) XXXX lived at that address. \n","text":"Company chooses not to provide a public response","context":": Trans Union reports that I lived at XXXX XXXX XXXX XXXX XXXX, Indiana XXXX ; I have never lived at that address! I also suspect that my brother XXXX ( XXXX ) XXXX lived at that address. \n : Company chooses not to provide a public response"},{"Question":"Incorrect address is listed. The XXXX XXXX, CA address is not a valid previous address. I 've never even been to California. \n","text":"Company chooses not to provide a public response","context":": Incorrect address is listed. The XXXX XXXX, CA address is not a valid previous address. I 've never even been to California. \n : Company chooses not to provide a public response"},{"Question":"The number XXXX keeps calling my employer trying to collect a debt. \n","text":"Company disputes the facts presented in the complaint","context":": The number XXXX keeps calling my employer trying to collect a debt. \n : Company disputes the facts presented in the complaint"},{"Question":"I filed for bankruptcy back in 2008 but it was never approved. It was denied. Therefore I was never in a bankrupt status. \n\nPlease remove it from my credit history. \n","text":"Company chooses not to provide a public response","context":": I filed for bankruptcy back in 2008 but it was never approved. It was denied. Therefore I was never in a bankrupt status. \n\nPlease remove it from my credit history. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX {$2100.00} account reported on XX\/XX\/XXXX OpenAccount # XXXX $ XXXXBalanceXXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXX\/XX\/XXXX DateXXXX, XX\/XX\/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNote \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX {$2100.00} account reported on XX\/XX\/XXXX OpenAccount # XXXX $ XXXXBalanceXXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXX\/XX\/XXXX DateXXXX, XX\/XX\/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNote \n : Company chooses not to provide a public response"},{"Question":"This debt has been paid in full since XXXX 2012. There is a XXXX balance for this paid collection. Please remove it from my credit report. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": This debt has been paid in full since XXXX 2012. There is a XXXX balance for this paid collection. Please remove it from my credit report. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I closed this account by turning in the mobile phone on time and they added another payment to the account when the account was closed. I would not pay it and they sent it to collections. \n","text":"Company chooses not to provide a public response","context":": I closed this account by turning in the mobile phone on time and they added another payment to the account when the account was closed. I would not pay it and they sent it to collections. \n : Company chooses not to provide a public response"},{"Question":"They are showing that I have XXXX mortgages on my transunion with XXXX which is hurting my credit score when I only have XXXX. please remove the old mortgage I have a XXXX score with transunion and a XXXX with XXXX because of this error \n","text":"Company chooses not to provide a public response","context":": They are showing that I have XXXX mortgages on my transunion with XXXX which is hurting my credit score when I only have XXXX. please remove the old mortgage I have a XXXX score with transunion and a XXXX with XXXX because of this error \n : Company chooses not to provide a public response"},{"Question":"Enhanced Recovery claims to be collecting for XXXX XXXX XXXX. I know I do not owe that company any money. They have ignored my letter asking for validation and proof of the debt belonging to me. \n","text":"Company disputes the facts presented in the complaint","context":": Enhanced Recovery claims to be collecting for XXXX XXXX XXXX. I know I do not owe that company any money. They have ignored my letter asking for validation and proof of the debt belonging to me. \n : Company disputes the facts presented in the complaint"},{"Question":"XXXX XXXX XXXX XXXX, MDXXXXThis address is not mine, I have never used a XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX, MDXXXXThis address is not mine, I have never used a XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Turning point solutions called my home my cell AND my adult daughters cell who I have no idea how they got her number. They did not identify who they were representing but did threaten me that they can do whatever it takes to get their money. They also block their calls. \n","text":"Company disputes the facts presented in the complaint","context":": Turning point solutions called my home my cell AND my adult daughters cell who I have no idea how they got her number. They did not identify who they were representing but did threaten me that they can do whatever it takes to get their money. They also block their calls. \n : Company disputes the facts presented in the complaint"},{"Question":"A report on Transunion shows that I owe money to XXXX XXXX. I have never had a vehicle towed so this is not my bill. I tried to file a complaint on Transunion but their complaint website was n't working. There is a collection agency trying to collect : XXXX XXXX XXXX for {$3000.00}. \n","text":"Company chooses not to provide a public response","context":": A report on Transunion shows that I owe money to XXXX XXXX. I have never had a vehicle towed so this is not my bill. I tried to file a complaint on Transunion but their complaint website was n't working. There is a collection agency trying to collect : XXXX XXXX XXXX for {$3000.00}. \n : Company chooses not to provide a public response"},{"Question":"I told them I could work out an arrangement with World Acceptance Corporation. They said no. They keep calling my job after they told them no. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I told them I could work out an arrangement with World Acceptance Corporation. They said no. They keep calling my job after they told them no. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The representative that left a message with my son said they were calling with the XXXX County Court. The rep I spoke with alluded to the fact that since it was n't him it was n't a problem. \n","text":"Company chooses not to provide a public response","context":": The representative that left a message with my son said they were calling with the XXXX County Court. The rep I spoke with alluded to the fact that since it was n't him it was n't a problem. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX XXXX campus. XXXX XXXX XXXX XXXX. \nI just graduated with a XXXX degree and I owe around XXXX in loans I feel that I am being over charged and I have had problems even getting a job. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": XXXX XXXX XXXX XXXX XXXX campus. XXXX XXXX XXXX XXXX. \nI just graduated with a XXXX degree and I owe around XXXX in loans I feel that I am being over charged and I have had problems even getting a job. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The account showing in collections has been paid long ago and the company saidthey reported it as paid but that is not the case. I need this removed from the report and also my BK has been over 7 years so I would like that removed from the public record as well. \n","text":"Company chooses not to provide a public response","context":": The account showing in collections has been paid long ago and the company saidthey reported it as paid but that is not the case. I need this removed from the report and also my BK has been over 7 years so I would like that removed from the public record as well. \n : Company chooses not to provide a public response"},{"Question":"Went to pay my Citi credit card, teller said that they needed my Social Security Number and Occupation. I ask why, and pressed the issue they said it was corporate policy. \n","text":"Company chooses not to provide a public response","context":": Went to pay my Citi credit card, teller said that they needed my Social Security Number and Occupation. I ask why, and pressed the issue they said it was corporate policy. \n : Company chooses not to provide a public response"},{"Question":"I 'm receiving 3+ phone calls a day from this number after having already spoken to someone about payment \n","text":"Company chooses not to provide a public response","context":": I 'm receiving 3+ phone calls a day from this number after having already spoken to someone about payment \n : Company chooses not to provide a public response"},{"Question":"I have never been to this hospital or even city continued harassment at work and on personal cellphone \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have never been to this hospital or even city continued harassment at work and on personal cellphone \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have no knowledge of accounts opened that were asked of me to verify my information. \n","text":"Company chooses not to provide a public response","context":": I have no knowledge of accounts opened that were asked of me to verify my information. \n : Company chooses not to provide a public response"},{"Question":"On XXXX\/XXXX\/15 my credit score went from XXXX to XXXX due to my credit report showing \" a derogatory public record or collection filed. '' I have not been sent anything legally certified in the mail nor have I ever received a judgment from any court. \n","text":"Company chooses not to provide a public response","context":": On XXXX\/XXXX\/15 my credit score went from XXXX to XXXX due to my credit report showing \" a derogatory public record or collection filed. '' I have not been sent anything legally certified in the mail nor have I ever received a judgment from any court. \n : Company chooses not to provide a public response"},{"Question":"Bank Of AmericaI am in need of your assistancewas there a title report completed 2009? \nwas there a property inspection report in 2009, prior or after 2009? \nis the information correct on page XXXX section XXXX? \n","text":"Company chooses not to provide a public response","context":": Bank Of AmericaI am in need of your assistancewas there a title report completed 2009? \nwas there a property inspection report in 2009, prior or after 2009? \nis the information correct on page XXXX section XXXX? \n : Company chooses not to provide a public response"},{"Question":"this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company. \n","text":"Company disputes the facts presented in the complaint","context":": this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company. \n : Company disputes the facts presented in the complaint"},{"Question":"its not my account \n","text":"Company chooses not to provide a public response","context":": its not my account \n : Company chooses not to provide a public response"},{"Question":"Multiple calls multiple times a day. I do not have debt \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Multiple calls multiple times a day. I do not have debt \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX called my Employer - and left a message on the Department Heads voice mail saying they are calling for me XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX called my Employer - and left a message on the Department Heads voice mail saying they are calling for me XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"chex systems reports that i have deliquent bank accounts. I filled bankruptcy XXXX chapter XXXX included all bank accounts. now im on my feet and cant open an account \n","text":"Company chooses not to provide a public response","context":": chex systems reports that i have deliquent bank accounts. I filled bankruptcy XXXX chapter XXXX included all bank accounts. now im on my feet and cant open an account \n : Company chooses not to provide a public response"},{"Question":"Had a tax lien put on credit report from a past tax bill die from a death in the family. Paid bill in full when found out bill was due. This reflects mine and my husbands credit score. \nTax lien was from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX {$550.00}. Paid in full \n","text":"Company chooses not to provide a public response","context":": Had a tax lien put on credit report from a past tax bill die from a death in the family. Paid bill in full when found out bill was due. This reflects mine and my husbands credit score. \nTax lien was from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX {$550.00}. Paid in full \n : Company chooses not to provide a public response"},{"Question":"Have a Tax lien on my credit report resulted from a back tax bill from wife 's deceased mother. Bill has been paid in full when we found out about itXX\/XX\/2011. \ntax lien from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXXamount of {$550.00}. Paid in full ( XXXX ) XXXX \n","text":"Company chooses not to provide a public response","context":": Have a Tax lien on my credit report resulted from a back tax bill from wife 's deceased mother. Bill has been paid in full when we found out about itXX\/XX\/2011. \ntax lien from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXXamount of {$550.00}. Paid in full ( XXXX ) XXXX \n : Company chooses not to provide a public response"},{"Question":"closed my personal accounts because my business account was overdrawn. \n","text":"Company chooses not to provide a public response","context":": closed my personal accounts because my business account was overdrawn. \n : Company chooses not to provide a public response"},{"Question":"Funds where released on XX\/XX\/2015But order mail to banck not until XXXX\/XXXX\/15 \n","text":"Company chooses not to provide a public response","context":": Funds where released on XX\/XX\/2015But order mail to banck not until XXXX\/XXXX\/15 \n : Company chooses not to provide a public response"},{"Question":"THERE ARE INQUIRES ON MY CREDIT REPORT THAT SHOULD BE REMOVED AND AS NOT BEEN DONE \n","text":"Company chooses not to provide a public response","context":": THERE ARE INQUIRES ON MY CREDIT REPORT THAT SHOULD BE REMOVED AND AS NOT BEEN DONE \n : Company chooses not to provide a public response"},{"Question":"There are things on my report that are not correct. Balance s that are incorrect. Things that are XXXX years old that should have dropped off. \n","text":"Company chooses not to provide a public response","context":": There are things on my report that are not correct. Balance s that are incorrect. Things that are XXXX years old that should have dropped off. \n : Company chooses not to provide a public response"},{"Question":"I keep being charged overdrafts after I cover the overdraft before it posts. The bank ( wells fargo ) posts it the date it was presented not the day it cleared and charges me overdraft fees \n","text":"Company chooses not to provide a public response","context":": I keep being charged overdrafts after I cover the overdraft before it posts. The bank ( wells fargo ) posts it the date it was presented not the day it cleared and charges me overdraft fees \n : Company chooses not to provide a public response"},{"Question":"CREDITORS HAS WROTE TO ME FOR THE REMOVAL OF INQUIRES AND EXPERIAN HAS NOT REMOVED THEM AND ITS BEEN OVER 30 DAYS \n","text":"Company chooses not to provide a public response","context":": CREDITORS HAS WROTE TO ME FOR THE REMOVAL OF INQUIRES AND EXPERIAN HAS NOT REMOVED THEM AND ITS BEEN OVER 30 DAYS \n : Company chooses not to provide a public response"},{"Question":"Paypal has illegally seized my funds, without prior written notice or warning, and has not provided any information as to why or offered any recourse to resolve the situation. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Paypal has illegally seized my funds, without prior written notice or warning, and has not provided any information as to why or offered any recourse to resolve the situation. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Wels Fargo ripped me off for {$7.00} to cash a {$200.00} check. \n","text":"Company chooses not to provide a public response","context":": Wels Fargo ripped me off for {$7.00} to cash a {$200.00} check. \n : Company chooses not to provide a public response"},{"Question":"i HAVE XXXX ACCOUNTS FROM USAA THAT I HAVE RECEIVED AN XXXX FROM. YET THESE ACCOUNTS ARE STILL POSTED ON MY CREDIT REPORT. ACCOUNTS ARE XXXX AND XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i HAVE XXXX ACCOUNTS FROM USAA THAT I HAVE RECEIVED AN XXXX FROM. YET THESE ACCOUNTS ARE STILL POSTED ON MY CREDIT REPORT. ACCOUNTS ARE XXXX AND XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Additional document to support disputes found on case numbers : XXXX ; XXXX ; XXXX. \n","text":"Company chooses not to provide a public response","context":": Additional document to support disputes found on case numbers : XXXX ; XXXX ; XXXX. \n : Company chooses not to provide a public response"},{"Question":"they Experian, XXXX and XXXX refuse to send me my score and credit report they want to charge me a fee monthly \n","text":"Company chooses not to provide a public response","context":": they Experian, XXXX and XXXX refuse to send me my score and credit report they want to charge me a fee monthly \n : Company chooses not to provide a public response"},{"Question":"GMAC HAS AN ACCOUNT OSTED ON CREDIT REPORT THAT IS PAID OFF. THEY CONTINUE TO TRY TO COLLECT ON DEBT, POST ON CREDIT REPORT AND STILL OFFER TO DO PARTIAL PAYMENT AND XXXX. \n","text":"Company chooses not to provide a public response","context":": GMAC HAS AN ACCOUNT OSTED ON CREDIT REPORT THAT IS PAID OFF. THEY CONTINUE TO TRY TO COLLECT ON DEBT, POST ON CREDIT REPORT AND STILL OFFER TO DO PARTIAL PAYMENT AND XXXX. \n : Company chooses not to provide a public response"},{"Question":"Responded to initial contact letter with a timely debt verification request. Collection agency continued collection activity ( calls and letters ) before responding to the debt verification request. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Responded to initial contact letter with a timely debt verification request. Collection agency continued collection activity ( calls and letters ) before responding to the debt verification request. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The address listed on my Experian report is wrong. Credit card listed does not belong to me. I never had the reported credit card listed on this report and never lived at the address on report. \n","text":"Company chooses not to provide a public response","context":": The address listed on my Experian report is wrong. Credit card listed does not belong to me. I never had the reported credit card listed on this report and never lived at the address on report. \n : Company chooses not to provide a public response"},{"Question":"The Bank withdrew Funds-money from my account without my knowledge OR permission to do so.This was due to the failure of my credit card payment. Todate i never got my money back \n","text":"Company chooses not to provide a public response","context":": The Bank withdrew Funds-money from my account without my knowledge OR permission to do so.This was due to the failure of my credit card payment. Todate i never got my money back \n : Company chooses not to provide a public response"},{"Question":"I asked for debt validation from Unique National Collections for this library debt, but received nothing and further attempts were ignored. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I asked for debt validation from Unique National Collections for this library debt, but received nothing and further attempts were ignored. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The debt collector begins to call me the day after a payment is late and calls me non stop every XXXX hours demanding I make a payment. This has been going on for months now of non stop abuse. As soon as I make the payment the calls stop. \n","text":"Company believes complaint is the result of an isolated error","context":": The debt collector begins to call me the day after a payment is late and calls me non stop every XXXX hours demanding I make a payment. This has been going on for months now of non stop abuse. As soon as I make the payment the calls stop. \n : Company believes complaint is the result of an isolated error"},{"Question":"Account that I never over drafted to my knowledge. It shows I had XXXX accounts when I actually had XXXX. These people tried to pin XXXX accounts on me that I did n't know existed. \n","text":"Company chooses not to provide a public response","context":": Account that I never over drafted to my knowledge. It shows I had XXXX accounts when I actually had XXXX. These people tried to pin XXXX accounts on me that I did n't know existed. \n : Company chooses not to provide a public response"},{"Question":"XXXX, payed bill, received a letter from them stating \" paid in full letter '' yetthe account still shows in my credit report as opened. \n","text":"Company chooses not to provide a public response","context":": XXXX, payed bill, received a letter from them stating \" paid in full letter '' yetthe account still shows in my credit report as opened. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"There is a listing for a {$300.00} debt turned over to a collection agency ( XXXX ) but the debt was paid in full directly to XXXX. \n","text":"Company chooses not to provide a public response","context":": There is a listing for a {$300.00} debt turned over to a collection agency ( XXXX ) but the debt was paid in full directly to XXXX. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"XXXX will not give me my credit report or score \n","text":"Company chooses not to provide a public response","context":": XXXX will not give me my credit report or score \n : Company chooses not to provide a public response"},{"Question":"I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Transunion credit report \n","text":"Company chooses not to provide a public response","context":": I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Transunion credit report \n : Company chooses not to provide a public response"},{"Question":"I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Experian credit report \n","text":"Company chooses not to provide a public response","context":": I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Experian credit report \n : Company chooses not to provide a public response"},{"Question":"XXXX was paid off and not for amount listed and is a closed paid off accountXXXX XXXX was paid long ago and the company no longer exists to get this corrected as is a XXXX balance and closed so should be removed. \n","text":"Company chooses not to provide a public response","context":": XXXX was paid off and not for amount listed and is a closed paid off accountXXXX XXXX was paid long ago and the company no longer exists to get this corrected as is a XXXX balance and closed so should be removed. \n : Company chooses not to provide a public response"},{"Question":"Suntrust Bank has duplicate reports, reflecting negative history. \nXXXX XXXX XXXX was mortgage service r and collected payments until XXXX 2014 which were on time along with ChXXXX arrears current status. \nMortgage hard inquiry most recent not authorized to be done. \n","text":"Company chooses not to provide a public response","context":": Suntrust Bank has duplicate reports, reflecting negative history. \nXXXX XXXX XXXX was mortgage service r and collected payments until XXXX 2014 which were on time along with ChXXXX arrears current status. \nMortgage hard inquiry most recent not authorized to be done. \n : Company chooses not to provide a public response"},{"Question":"Account is passed 7 years XXXX XXXX 2008 salute. \n","text":"Company chooses not to provide a public response","context":": Account is passed 7 years XXXX XXXX 2008 salute. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX seeks to collect on a debt that is barred by the California Statute of Limitations. The debt is not mine and is unenforceable against me. \n","text":"Company disputes the facts presented in the complaint","context":": XXXX XXXX XXXX seeks to collect on a debt that is barred by the California Statute of Limitations. The debt is not mine and is unenforceable against me. \n : Company disputes the facts presented in the complaint"},{"Question":"BANK OF AMERICA seeks to collect a debt that is barred by the California Statute of Limitations. No judgment or debt has been filed or had by BOA against me. \n","text":"Company chooses not to provide a public response","context":": BANK OF AMERICA seeks to collect a debt that is barred by the California Statute of Limitations. No judgment or debt has been filed or had by BOA against me. \n : Company chooses not to provide a public response"},{"Question":"Denied a Now Card account. Possibly because have no credit. \n","text":"Company chooses not to provide a public response","context":": Denied a Now Card account. Possibly because have no credit. \n : Company chooses not to provide a public response"},{"Question":"I voluntary turned the car in XXXX, BB & T bank charged the account off. XXXX later, they are still reporting it currently deliquent. \n","text":"Company chooses not to provide a public response","context":": I voluntary turned the car in XXXX, BB & T bank charged the account off. XXXX later, they are still reporting it currently deliquent. \n : Company chooses not to provide a public response"},{"Question":"This number XXXX calls several times a day, tell me the call is being recorded and that I owe money for a parking ticket. I tell them I do n't owe anything and will not pay and to stop calling. \n","text":"Company chooses not to provide a public response","context":": This number XXXX calls several times a day, tell me the call is being recorded and that I owe money for a parking ticket. I tell them I do n't owe anything and will not pay and to stop calling. \n : Company chooses not to provide a public response"},{"Question":"A clerk of Bank of America named XXXX XXXX stole {$100.00} from my cash withdrawal today, Friday XXXX\/XXXX\/2015, at about XXXX CST. I closed my checking account number XXXX, with a cash withdrawal of {$780.00} but I only counted $ XXXX of XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX \n","text":"Company chooses not to provide a public response","context":": A clerk of Bank of America named XXXX XXXX stole {$100.00} from my cash withdrawal today, Friday XXXX\/XXXX\/2015, at about XXXX CST. I closed my checking account number XXXX, with a cash withdrawal of {$780.00} but I only counted $ XXXX of XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX \n : Company chooses not to provide a public response"},{"Question":"The account was closed over 8 years ago. FAIR COLLECTIONS keeps changing the date that the account was closed. It now shows on my credit report as if the account was opened in XXXX. It was opened in XXXX. I moved and closed the account in XXXX. \n","text":"Company chooses not to provide a public response","context":": The account was closed over 8 years ago. FAIR COLLECTIONS keeps changing the date that the account was closed. It now shows on my credit report as if the account was opened in XXXX. It was opened in XXXX. I moved and closed the account in XXXX. \n : Company chooses not to provide a public response"},{"Question":"Please see attached letter to Experianand documents. \n","text":"Company chooses not to provide a public response","context":": Please see attached letter to Experianand documents. \n : Company chooses not to provide a public response"},{"Question":"My name has never been XXXX not have I ever lived on XXXX XXXX XXXX, TX XXXX I will print my credit report and view all of it to determine whether any of what is reported is n't mine. \n\nthanksXXXX XXXX \n","text":"Company chooses not to provide a public response","context":": My name has never been XXXX not have I ever lived on XXXX XXXX XXXX, TX XXXX I will print my credit report and view all of it to determine whether any of what is reported is n't mine. \n\nthanksXXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Keeps calling for the wrong person at my phone number. \n","text":"Company chooses not to provide a public response","context":": Keeps calling for the wrong person at my phone number. \n : Company chooses not to provide a public response"},{"Question":"There is an address on my report that is not mine. The address is XXXX XXXX XXXX XXXX, Va XXXXI have not lived in this place. Please remove it from my report. \nThank you. \n","text":"Company chooses not to provide a public response","context":": There is an address on my report that is not mine. The address is XXXX XXXX XXXX XXXX, Va XXXXI have not lived in this place. Please remove it from my report. \nThank you. \n : Company chooses not to provide a public response"},{"Question":"DriveTime reported me 30 days late on XXXX\/XXXX\/2015 for not making a payment on a loan that was paid off by XXXX in XX\/XX\/XXXX. There is no payment due yet they reported a late payment. \n","text":"Company chooses not to provide a public response","context":": DriveTime reported me 30 days late on XXXX\/XXXX\/2015 for not making a payment on a loan that was paid off by XXXX in XX\/XX\/XXXX. There is no payment due yet they reported a late payment. \n : Company chooses not to provide a public response"},{"Question":"They have my spouse name listed as XXXX, this is not correct. Also iam listed as living @ XXXX XXXX co. XXXX. Also incorrect. Also XXXX addresses with similar address, XXXX. co. XXXX this address is correct, the other XXXX similar addreses are not. \n","text":"Company chooses not to provide a public response","context":": They have my spouse name listed as XXXX, this is not correct. Also iam listed as living @ XXXX XXXX co. XXXX. Also incorrect. Also XXXX addresses with similar address, XXXX. co. XXXX this address is correct, the other XXXX similar addreses are not. \n : Company chooses not to provide a public response"},{"Question":"I have sent them \" comments '' that they allowed me to send but they do not ask for my email so they obviously will not attend to it because they have no way to reach me. I gave them my SSN twice and I am concerned that they are legitimate. They are annualcreditreport.comthank you. \n","text":"Company chooses not to provide a public response","context":": I have sent them \" comments '' that they allowed me to send but they do not ask for my email so they obviously will not attend to it because they have no way to reach me. I gave them my SSN twice and I am concerned that they are legitimate. They are annualcreditreport.comthank you. \n : Company chooses not to provide a public response"},{"Question":"i got the information from my XXXX that showed experian will not provide the info on my credit score report. \n","text":"Company chooses not to provide a public response","context":": i got the information from my XXXX that showed experian will not provide the info on my credit score report. \n : Company chooses not to provide a public response"},{"Question":"Continued calls to boss at workplace after alternate number given, threated sheriff to come talked to boss about garnishing washes after 60days late. \n","text":"Company chooses not to provide a public response","context":": Continued calls to boss at workplace after alternate number given, threated sheriff to come talked to boss about garnishing washes after 60days late. \n : Company chooses not to provide a public response"},{"Question":"Bank of America charged fees for a payment that was sent on the XXXX of the month, when their new monthly cycle starts. I called them and they would not refund it. XXXX XXXX XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": Bank of America charged fees for a payment that was sent on the XXXX of the month, when their new monthly cycle starts. I called them and they would not refund it. XXXX XXXX XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"I have asked several times that they send me documentation proving that account belongs to me and they have not. Signatures\/dob\/ etc \n","text":"Company chooses not to provide a public response","context":": I have asked several times that they send me documentation proving that account belongs to me and they have not. Signatures\/dob\/ etc \n : Company chooses not to provide a public response"},{"Question":"Constant robocalling from Harris & Harris calling to collect money, at minimum XXXX per week from # XXXX and many times after XXXX CT to the point of harassment violating the Telephone Consumer Protection Act and the Fair Debt Collection Practices Act. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Constant robocalling from Harris & Harris calling to collect money, at minimum XXXX per week from # XXXX and many times after XXXX CT to the point of harassment violating the Telephone Consumer Protection Act and the Fair Debt Collection Practices Act. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This is regarding false advertising, regarding \" Bi-Weekly Mortgage '' plans. \n\nI received a solicitation containing many false claims. ( attached ) \n","text":"Company disputes the facts presented in the complaint","context":": This is regarding false advertising, regarding \" Bi-Weekly Mortgage '' plans. \n\nI received a solicitation containing many false claims. ( attached ) \n : Company disputes the facts presented in the complaint"},{"Question":"The account appeared on my report I contacted XXXX. No debt was found. I disputed the account from my credit report. The item was deleted from XXXX and not from XXXX. \n","text":"Company chooses not to provide a public response","context":": The account appeared on my report I contacted XXXX. No debt was found. I disputed the account from my credit report. The item was deleted from XXXX and not from XXXX. \n : Company chooses not to provide a public response"},{"Question":"I have a collection that does not belong to me, reported on my reports and I have tried to get them to remove it, but they keep saying they have verified it is me. \n","text":"Company chooses not to provide a public response","context":": I have a collection that does not belong to me, reported on my reports and I have tried to get them to remove it, but they keep saying they have verified it is me. \n : Company chooses not to provide a public response"},{"Question":"Bank of America did not only open XXXX but XXXX checking account in mine and my mother 's name after XXXX of them they already closed for fraudulent activity I believe they 're stupid \n","text":"Company chooses not to provide a public response","context":": Bank of America did not only open XXXX but XXXX checking account in mine and my mother 's name after XXXX of them they already closed for fraudulent activity I believe they 're stupid \n : Company chooses not to provide a public response"},{"Question":"I have the same bill on their XXXX and I have student on there that still say open that 's been on there since XX\/XX\/XXXX and XX\/XX\/XXXX alot of my school loans are over my 7 year thing. \n","text":"Company chooses not to provide a public response","context":": I have the same bill on their XXXX and I have student on there that still say open that 's been on there since XX\/XX\/XXXX and XX\/XX\/XXXX alot of my school loans are over my 7 year thing. \n : Company chooses not to provide a public response"},{"Question":"The agencies Experian and XXXX has refused to verify and validate the accounts XXXX, XXXX XXXX, XXXX XXXX party, these are fraudulent accounts. \n","text":"Company chooses not to provide a public response","context":": The agencies Experian and XXXX has refused to verify and validate the accounts XXXX, XXXX XXXX, XXXX XXXX party, these are fraudulent accounts. \n : Company chooses not to provide a public response"},{"Question":"On XX\/XX\/XXXX, I was charged interest for purchases made in XX\/XX\/XXXX \n","text":"Company chooses not to provide a public response","context":": On XX\/XX\/XXXX, I was charged interest for purchases made in XX\/XX\/XXXX \n : Company chooses not to provide a public response"},{"Question":"Traffic ticket was disputed in XXXX Traffic Court and paid. Open XX\/XX\/XXXX ... ..last reported XX\/XX\/XXXX. \n","text":"Company chooses not to provide a public response","context":": Traffic ticket was disputed in XXXX Traffic Court and paid. Open XX\/XX\/XXXX ... ..last reported XX\/XX\/XXXX. \n : Company chooses not to provide a public response"},{"Question":"Debt collector continues to call my job with an automated message stating my name and that they are trying to collect a debt. My secretary had heard the message as I work in a school. I 've tried to get them to stop calling, but they will not. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt collector continues to call my job with an automated message stating my name and that they are trying to collect a debt. My secretary had heard the message as I work in a school. I 've tried to get them to stop calling, but they will not. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Continued robo-calling for someone else. We do not owe the debt for which they are calling. Number calling is XXXX ; last call was at XXXX XXXX XXXX XXXX which is a Sunday. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Continued robo-calling for someone else. We do not owe the debt for which they are calling. Number calling is XXXX ; last call was at XXXX XXXX XXXX XXXX which is a Sunday. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I 'm getting multiple phone calls from a company called UCB for my former brother in law. I told them to stop and it is continuing. \n","text":"Company chooses not to provide a public response","context":": I 'm getting multiple phone calls from a company called UCB for my former brother in law. I told them to stop and it is continuing. \n : Company chooses not to provide a public response"},{"Question":"There is an open XXXX XXXX account listed on my credit file and I have never had a XXXX XXXX credit card ever. Please remove this mistake off of my credit file \n","text":"Company chooses not to provide a public response","context":": There is an open XXXX XXXX account listed on my credit file and I have never had a XXXX XXXX credit card ever. Please remove this mistake off of my credit file \n : Company chooses not to provide a public response"},{"Question":"My Loan Company is UAC, they call my References stating I have applied for a job with their company and they are trying to reach me. \nXXXX one of there Reps sends me Repo letters when my payment is late one day. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My Loan Company is UAC, they call my References stating I have applied for a job with their company and they are trying to reach me. \nXXXX one of there Reps sends me Repo letters when my payment is late one day. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I made XXXX application for credit at my local XXXX dealership and there are XXXX hard credit inquiries on my credit report rather than just XXXX inquiry. This has lowered my credit score considerably. The credit reporting agencies do not provide a method to correct this obvious error. \n","text":"Company chooses not to provide a public response","context":": I made XXXX application for credit at my local XXXX dealership and there are XXXX hard credit inquiries on my credit report rather than just XXXX inquiry. This has lowered my credit score considerably. The credit reporting agencies do not provide a method to correct this obvious error. \n : Company chooses not to provide a public response"},{"Question":"The credit agency obtain this information from public records. We have since satisfied the balance with the State of Maryland and want this removed from the credit report. The XXXX of the State of Maryland did not send this to any credit reporting agency. \n","text":"Company chooses not to provide a public response","context":": The credit agency obtain this information from public records. We have since satisfied the balance with the State of Maryland and want this removed from the credit report. The XXXX of the State of Maryland did not send this to any credit reporting agency. \n : Company chooses not to provide a public response"},{"Question":"We sold a house in XX\/XX\/XXXX in the state of Texas. We also filed for bankruptcy in XX\/XX\/XXXX. \nWhile the house was originally included in the bankruptcy, we worked with the lender a sold the house however, the credit agency refuses to update the report with the correct information. \n","text":"Company chooses not to provide a public response","context":": We sold a house in XX\/XX\/XXXX in the state of Texas. We also filed for bankruptcy in XX\/XX\/XXXX. \nWhile the house was originally included in the bankruptcy, we worked with the lender a sold the house however, the credit agency refuses to update the report with the correct information. \n : Company chooses not to provide a public response"},{"Question":"My credit report shows I have an outstanding debt to XXXX XXXX. This debt was paid in XXXX. According to them on XXXX XXXX they updated that it was payed. It is now XXXX and my credit report shows the debt still unpaid. \n","text":"Company chooses not to provide a public response","context":": My credit report shows I have an outstanding debt to XXXX XXXX. This debt was paid in XXXX. According to them on XXXX XXXX they updated that it was payed. It is now XXXX and my credit report shows the debt still unpaid. \n : Company chooses not to provide a public response"},{"Question":"On my credit report there is an account in collections from XXXX XXXX XXXX in the amount of {$670.00} that was paid XXXX XXXX 2015 but still remains on my credit report although was supposed to be removed after 45 days it is now XXXX XXXX the collection agency is XXXX \n","text":"Company chooses not to provide a public response","context":": On my credit report there is an account in collections from XXXX XXXX XXXX in the amount of {$670.00} that was paid XXXX XXXX 2015 but still remains on my credit report although was supposed to be removed after 45 days it is now XXXX XXXX the collection agency is XXXX \n : Company chooses not to provide a public response"},{"Question":"I have attached the correspondence that was sent to XXXX Experian and yet they still do not respond and it 's been over 45 days. Experian has refused to send any correspondence even after speaking with them on the phone. \n","text":"Company chooses not to provide a public response","context":": I have attached the correspondence that was sent to XXXX Experian and yet they still do not respond and it 's been over 45 days. Experian has refused to send any correspondence even after speaking with them on the phone. \n : Company chooses not to provide a public response"},{"Question":"This is an addendum to my XXXX complaint. Wells Fargo tried a XXXX time to take money out of my account causing XXXX more charges of XXXX \n","text":"Company chooses not to provide a public response","context":": This is an addendum to my XXXX complaint. Wells Fargo tried a XXXX time to take money out of my account causing XXXX more charges of XXXX \n : Company chooses not to provide a public response"},{"Question":"Experian would not delete old incorrect information \n","text":"Company chooses not to provide a public response","context":": Experian would not delete old incorrect information \n : Company chooses not to provide a public response"},{"Question":"My bank charges overdraft fees when an account overdrafts due to a bank fee. This is unfair. If my account has {$5.00} then the monthly service charge hits my account in the amount of {$12.00}, the bank then charges an overdraft fee when that overdraft was a result of a bank fee. \n","text":"Company chooses not to provide a public response","context":": My bank charges overdraft fees when an account overdrafts due to a bank fee. This is unfair. If my account has {$5.00} then the monthly service charge hits my account in the amount of {$12.00}, the bank then charges an overdraft fee when that overdraft was a result of a bank fee. \n : Company chooses not to provide a public response"},{"Question":"THEY HAVE MULTIPLE NAMES AND ACCOUN.T I HAVE ACT ALREADY PAY OFF AND MULTIPLE ADREESSES. I HAVE LIVE AT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND AT XXXX XXXX XXXX XXXX XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": THEY HAVE MULTIPLE NAMES AND ACCOUN.T I HAVE ACT ALREADY PAY OFF AND MULTIPLE ADREESSES. I HAVE LIVE AT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND AT XXXX XXXX XXXX XXXX XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"Last ReportedXXXX XXXX, 2015Collection AgencyXXXXOriginal CreditorXXXX XXXX XXXX XXXX CHECKINGStatusOpenOpened DateXXXX XXXX, 2015Closed Date -- ResponsibilityIndividualBalance $ XXXX Balance $ XXXX for collection \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Last ReportedXXXX XXXX, 2015Collection AgencyXXXXOriginal CreditorXXXX XXXX XXXX XXXX CHECKINGStatusOpenOpened DateXXXX XXXX, 2015Closed Date -- ResponsibilityIndividualBalance $ XXXX Balance $ XXXX for collection \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have a credit card is a no fee card, but I have been charged {$59.00} a year for 4 years. I called and was unable to speak with a supervisor. I cancelled the card. They stolen money! This is illegal \n","text":"Company chooses not to provide a public response","context":": I have a credit card is a no fee card, but I have been charged {$59.00} a year for 4 years. I called and was unable to speak with a supervisor. I cancelled the card. They stolen money! This is illegal \n : Company chooses not to provide a public response"},{"Question":"Requested balances as of XXXX\/XXXX\/2014 approx. 1 month ago. I have not heard back from the branch or corporate regarding my request. \n","text":"Company chooses not to provide a public response","context":": Requested balances as of XXXX\/XXXX\/2014 approx. 1 month ago. I have not heard back from the branch or corporate regarding my request. \n : Company chooses not to provide a public response"},{"Question":"Experian is reporting incorrect information on XXXX XXXX account # XXXX they are reporting that the account was charged off it was not I have already disputed this item XXXX times and gave Experian proof of no charge off and they refuse to remove it. \n","text":"Company chooses not to provide a public response","context":": Experian is reporting incorrect information on XXXX XXXX account # XXXX they are reporting that the account was charged off it was not I have already disputed this item XXXX times and gave Experian proof of no charge off and they refuse to remove it. \n : Company chooses not to provide a public response"},{"Question":"Account is time barred. \n","text":"Company chooses not to provide a public response","context":": Account is time barred. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX for XXXX XXXX Hospital, paid medical bills should be removed from a credit report. For addresses I never lived in Ohio. XXXX is showing payment history for before 2014, I did not have a loan with them at that time. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX for XXXX XXXX Hospital, paid medical bills should be removed from a credit report. For addresses I never lived in Ohio. XXXX is showing payment history for before 2014, I did not have a loan with them at that time. \n : Company chooses not to provide a public response"},{"Question":"I try to challenge transunion reports and their website is constantly down. I am sure if i was a paying customer that site would be open. This is repeatedly going on. \n","text":"Company chooses not to provide a public response","context":": I try to challenge transunion reports and their website is constantly down. I am sure if i was a paying customer that site would be open. This is repeatedly going on. \n : Company chooses not to provide a public response"},{"Question":"Called me at XXXX, XXXX, XXXX, XXXX. I 'm sure it would keep going but I have the phone set to block them now so I do n't see it. I am at work. I ca n't answer my phone NOR can I tolerate people calling me every 30 minutes - 1 hour or less! \n","text":"Company chooses not to provide a public response","context":": Called me at XXXX, XXXX, XXXX, XXXX. I 'm sure it would keep going but I have the phone set to block them now so I do n't see it. I am at work. I ca n't answer my phone NOR can I tolerate people calling me every 30 minutes - 1 hour or less! \n : Company chooses not to provide a public response"},{"Question":"Tried to contact \" customer service '' with a problem They make it impossible to talk to anyone - it 's not even a choice on their automated system. I would never do business with these people ; my loan was sold to them. I need to talk to someone to resolve my problem. \n","text":"Company chooses not to provide a public response","context":": Tried to contact \" customer service '' with a problem They make it impossible to talk to anyone - it 's not even a choice on their automated system. I would never do business with these people ; my loan was sold to them. I need to talk to someone to resolve my problem. \n : Company chooses not to provide a public response"},{"Question":"I got conflicting information on an accepted loan mod from XXXX XXXX XXXX and do n't know what to do \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I got conflicting information on an accepted loan mod from XXXX XXXX XXXX and do n't know what to do \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"ERC is the company, first they say, I owe for this debt that I have no idea or clue what it is or if I even did it. then the debt is about 8 years old, and also threaten take me to court if I do n't pay. \n","text":"Company disputes the facts presented in the complaint","context":": ERC is the company, first they say, I owe for this debt that I have no idea or clue what it is or if I even did it. then the debt is about 8 years old, and also threaten take me to court if I do n't pay. \n : Company disputes the facts presented in the complaint"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I noticed that a previous address that was entered as my information is not correct. I have never lived at the address on XXXX XXXX. The current information is correct, but the previous address is not. \n","text":"Company chooses not to provide a public response","context":": I noticed that a previous address that was entered as my information is not correct. I have never lived at the address on XXXX XXXX. The current information is correct, but the previous address is not. \n : Company chooses not to provide a public response"},{"Question":"Spoke with XXXX at XXXX XXXX. He reports the case is closed and all I need to do is dispute it to remove it from my credit report \n","text":"Company chooses not to provide a public response","context":": Spoke with XXXX at XXXX XXXX. He reports the case is closed and all I need to do is dispute it to remove it from my credit report \n : Company chooses not to provide a public response"},{"Question":"I have disputed incorrect information on my credit report with Experian Credit Bureau and they will not change the reporting history on my account. I have submitted documentation to support my dispute, but they still will not change the history on the XXXX account. \n","text":"Company chooses not to provide a public response","context":": I have disputed incorrect information on my credit report with Experian Credit Bureau and they will not change the reporting history on my account. I have submitted documentation to support my dispute, but they still will not change the history on the XXXX account. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX says I owe the {$450.00} but I have no idea what they are rwfering to. Now that I have spoken to them it says on my credit reports that I dispute it, but its still on there. Please remove ASAP. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX says I owe the {$450.00} but I have no idea what they are rwfering to. Now that I have spoken to them it says on my credit reports that I dispute it, but its still on there. Please remove ASAP. \n : Company chooses not to provide a public response"},{"Question":"I requested a collection company to validate a debt which they have not and continue to report false information \n","text":"Company chooses not to provide a public response","context":": I requested a collection company to validate a debt which they have not and continue to report false information \n : Company chooses not to provide a public response"},{"Question":"A company has refunded my money in the amount of XXXX. They have provided documentation that they have refunded the money to my account. Netspend is saying they have n't received the money and told me they would n't make a decision on my claim until XXXX XXXX, 2015. \n","text":"Company can't verify or dispute the facts in the complaint","context":": A company has refunded my money in the amount of XXXX. They have provided documentation that they have refunded the money to my account. Netspend is saying they have n't received the money and told me they would n't make a decision on my claim until XXXX XXXX, 2015. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"company refuses to release fha case number required by other lender \n","text":"Company can't verify or dispute the facts in the complaint","context":": company refuses to release fha case number required by other lender \n : Company can't verify or dispute the facts in the complaint"},{"Question":"debt collector put an old bill on my credit report, and changed the date from a early date to a later date \n","text":"Company chooses not to provide a public response","context":": debt collector put an old bill on my credit report, and changed the date from a early date to a later date \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX my ex wife used my social security number and ruined my credit without my knowledge of her doing so. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX my ex wife used my social security number and ruined my credit without my knowledge of her doing so. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company can't verify or dispute the facts in the complaint","context":": 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 : Company can't verify or dispute the facts in the complaint"},{"Question":"I was unable to make a payment online like I was able to a month ago in XXXX. This month it would not allow me to do so and insisted I include late fees or I would not be able to make the payment. I feel as if I am being discriminated against by this company. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I was unable to make a payment online like I was able to a month ago in XXXX. This month it would not allow me to do so and insisted I include late fees or I would not be able to make the payment. I feel as if I am being discriminated against by this company. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Although we initially applied for a home loan modification with h Bank of America over two years ago, we have never closed. They continue to jack us around. Do we have any recourse? \n","text":"Company chooses not to provide a public response","context":": Although we initially applied for a home loan modification with h Bank of America over two years ago, we have never closed. They continue to jack us around. Do we have any recourse? \n : Company chooses not to provide a public response"},{"Question":"The issue is the lack of due diligence by the bank which issued a Pick a Pay loan to me in 2008, and their lack of compliance. \n\nSEE ATTACHED \n","text":"Company chooses not to provide a public response","context":": The issue is the lack of due diligence by the bank which issued a Pick a Pay loan to me in 2008, and their lack of compliance. \n\nSEE ATTACHED \n : Company chooses not to provide a public response"},{"Question":"I have acquired a cash call loan for {$5000.00} a few years back. I am unable to pay and I am reading that some of their loans may be subject to usury violations. I am looking for input to see if they are a valid lender due to their high interest rates. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have acquired a cash call loan for {$5000.00} a few years back. I am unable to pay and I am reading that some of their loans may be subject to usury violations. I am looking for input to see if they are a valid lender due to their high interest rates. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Telephone call, rude -- I think this related to my daughter but somehow they got my cell no. and called me ; I want no further contact with them \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Telephone call, rude -- I think this related to my daughter but somehow they got my cell no. and called me ; I want no further contact with them \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"sw credit for XXXX for {$510.00}. I believe this is not mine. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": sw credit for XXXX for {$510.00}. I believe this is not mine. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Title loan with XXXX finance. I may owe more than the car is worth, due to their interest rates and late fees.. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Title loan with XXXX finance. I may owe more than the car is worth, due to their interest rates and late fees.. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"THIS COMANY IS REPORTING A NEGATIVE REPORT ON MY REPORT AND I HAVE ALREAD YED THEM PLEASE REMOVE FROM MY CREDIT THANKS \n","text":"Company chooses not to provide a public response","context":": THIS COMANY IS REPORTING A NEGATIVE REPORT ON MY REPORT AND I HAVE ALREAD YED THEM PLEASE REMOVE FROM MY CREDIT THANKS \n : Company chooses not to provide a public response"},{"Question":"told XXXX times to mail not call. XXXX time would not give me address to send cease of communications notice. would not provide address unless i \" talked about the debt '' like did i think i did not owe the debt etc etc. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": told XXXX times to mail not call. XXXX time would not give me address to send cease of communications notice. would not provide address unless i \" talked about the debt '' like did i think i did not owe the debt etc etc. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My personal information was used by someone else. I filed a police report and would like to know how I can get it off, and if anything else was used without my knowledge. \n","text":"Company chooses not to provide a public response","context":": My personal information was used by someone else. I filed a police report and would like to know how I can get it off, and if anything else was used without my knowledge. \n : Company chooses not to provide a public response"},{"Question":"Unknown debt, no verification please remove off of my credit file \n","text":"Company can't verify or dispute the facts in the complaint","context":": Unknown debt, no verification please remove off of my credit file \n : Company can't verify or dispute the facts in the complaint"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"I pulled my credit report and there was an account from Ally 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","text":"Company chooses not to provide a public response","context":": I pulled my credit report and there was an account from Ally 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 : Company chooses not to provide a public response"},{"Question":"i was in XXXX my card was stolen and used i sent proof and disputed the full balance and they only credit a little amount not the whole balance i keep calling and getting the running around and am sick and tired of it \n","text":"Company chooses not to provide a public response","context":": i was in XXXX my card was stolen and used i sent proof and disputed the full balance and they only credit a little amount not the whole balance i keep calling and getting the running around and am sick and tired of it \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"CNAC continues to contact employer for debt of employee. Has been asked each time to stop contacting corporate office. \n","text":"Company believes complaint represents an opportunity for improvement to better serve consumers","context":": CNAC continues to contact employer for debt of employee. Has been asked each time to stop contacting corporate office. \n : Company believes complaint represents an opportunity for improvement to better serve consumers"},{"Question":"I am being sued for debt from us bank. it was for overdraft fees that a civil suit was filed for. They sold my debt to a third party company and i am being manipulated into paying almost XXXX time the original debt. I should not owe anything. \n","text":"Company chooses not to provide a public response","context":": I am being sued for debt from us bank. it was for overdraft fees that a civil suit was filed for. They sold my debt to a third party company and i am being manipulated into paying almost XXXX time the original debt. I should not owe anything. \n : Company chooses not to provide a public response"},{"Question":"This debt is subject to the Hospital Fair Pricing Act and request has been made for the same. Collection efforts thus violate XXXX Health and Safety Code Section XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This debt is subject to the Hospital Fair Pricing Act and request has been made for the same. Collection efforts thus violate XXXX Health and Safety Code Section XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I owed a debt to XXXX. I paid the account in full and have a XXXX balance per the attached documentation. Experian refuses to show a XXXX balance, paid in full status, although I have provided the pay off letter numerous times which clearly shows, \" Paid In Full, XXXX Balance ''. \n","text":"Company chooses not to provide a public response","context":": I owed a debt to XXXX. I paid the account in full and have a XXXX balance per the attached documentation. Experian refuses to show a XXXX balance, paid in full status, although I have provided the pay off letter numerous times which clearly shows, \" Paid In Full, XXXX Balance ''. \n : Company chooses not to provide a public response"},{"Question":"Nations Recovery Center keeps calling my home from different phone numbers. I told them to stop calling. They have called from at least XXXX numbers : XXXX and XXXX. When I told them to stop calling they were rude and said they would increase the calls. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Nations Recovery Center keeps calling my home from different phone numbers. I told them to stop calling. They have called from at least XXXX numbers : XXXX and XXXX. When I told them to stop calling they were rude and said they would increase the calls. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Was never notified of the debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Was never notified of the debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A dispute was filed against XXXX ... .challenging ownership of thi acct ... XXXX never responded ... .they just increased the amt of time for the collection to appear on my report ... .I got slapped by XXXX for asking for a right afforded by the FDCRA ... .XXXXdoes as they please .... \n","text":"Company chooses not to provide a public response","context":": A dispute was filed against XXXX ... .challenging ownership of thi acct ... XXXX never responded ... .they just increased the amt of time for the collection to appear on my report ... .I got slapped by XXXX for asking for a right afforded by the FDCRA ... .XXXXdoes as they please .... \n : Company chooses not to provide a public response"},{"Question":"they put my sons collections on my report he has the same name. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": they put my sons collections on my report he has the same name. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My payment is due on the first of each month. For the payment that is due on XXXX XXXX, 2015, I did not receive a statement. I contacted Green Tree to request them to provide a statement. The response was that they were unable to provide a replacement statement. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My payment is due on the first of each month. For the payment that is due on XXXX XXXX, 2015, I did not receive a statement. I contacted Green Tree to request them to provide a statement. The response was that they were unable to provide a replacement statement. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have an open account with XXXX XXXX, # XXXX. I have a XXXX balance, per the attached documents. Experian refuses to XXXX out the same. I am asking the balance be reported as XXXX. \n","text":"Company chooses not to provide a public response","context":": I have an open account with XXXX XXXX, # XXXX. I have a XXXX balance, per the attached documents. Experian refuses to XXXX out the same. I am asking the balance be reported as XXXX. \n : Company chooses not to provide a public response"},{"Question":"I have an account with XXXX XXXX, Account # XXXX. The balance is XXXX. Transunion continually fails to reflect same. Make the balance XXXX please. Thank you. \n","text":"Company chooses not to provide a public response","context":": I have an account with XXXX XXXX, Account # XXXX. The balance is XXXX. Transunion continually fails to reflect same. Make the balance XXXX please. Thank you. \n : Company chooses not to provide a public response"},{"Question":"i called the credit card company and they are showing this account closed. i went through a debt resolution company. i had a settlement with this company which was honored. the balance they forgave is showing on the credit report and it is showing open account. \n","text":"Company chooses not to provide a public response","context":": i called the credit card company and they are showing this account closed. i went through a debt resolution company. i had a settlement with this company which was honored. the balance they forgave is showing on the credit report and it is showing open account. \n : Company chooses not to provide a public response"},{"Question":"I had a Sears Card thier were some issues with the card so I made an agreement to have the card cancelled and pay the debt off, I did so. Now it is showing up on my credit report as a COLLECTION. I have no idea how this happened when I honered the agreement I had with Sears. \n","text":"Company chooses not to provide a public response","context":": I had a Sears Card thier were some issues with the card so I made an agreement to have the card cancelled and pay the debt off, I did so. Now it is showing up on my credit report as a COLLECTION. I have no idea how this happened when I honered the agreement I had with Sears. \n : Company chooses not to provide a public response"},{"Question":"Citicard changed my interest rate without prior notice. \n","text":"Company chooses not to provide a public response","context":": Citicard changed my interest rate without prior notice. \n : Company chooses not to provide a public response"},{"Question":"have no idea who this is \n","text":"Company can't verify or dispute the facts in the complaint","context":": have no idea who this is \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Experian is reporting a fraudulent bill that does not belong to me. The item is a bill that is reporting from XXXX and reads \" Paid and Close ''. This is not mine. I never paid it. Please remove. \n","text":"Company chooses not to provide a public response","context":": Experian is reporting a fraudulent bill that does not belong to me. The item is a bill that is reporting from XXXX and reads \" Paid and Close ''. This is not mine. I never paid it. Please remove. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Neither the company nor the collection agency would verify all of my debt. I also have been unsuccessful in attempts to reach both parties on separate occasions. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Neither the company nor the collection agency would verify all of my debt. I also have been unsuccessful in attempts to reach both parties on separate occasions. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A loan that was paid off in XXXX 2013 and it is still showing open on my credit report. The company that was servicing the loan is no longer in business. I have a goodbye letter from the lender and a welcome letter from the lender that took over the loan. \n","text":"Company chooses not to provide a public response","context":": A loan that was paid off in XXXX 2013 and it is still showing open on my credit report. The company that was servicing the loan is no longer in business. I have a goodbye letter from the lender and a welcome letter from the lender that took over the loan. \n : Company chooses not to provide a public response"},{"Question":"A claim was filed against me in Civil Court. It was subsequently discontinued. But the Discontinuance does not show on my report. \n","text":"Company chooses not to provide a public response","context":": A claim was filed against me in Civil Court. It was subsequently discontinued. But the Discontinuance does not show on my report. \n : Company chooses not to provide a public response"},{"Question":"Multiple offers for \" pre-approved '' installment loan to assist with debt consolidation. Letters read : '' You 're Pre-Approved for a personal loan up to {$50000.00} '' Once personal information is entered on website, no offers given. \n","text":"Company chooses not to provide a public response","context":": Multiple offers for \" pre-approved '' installment loan to assist with debt consolidation. Letters read : '' You 're Pre-Approved for a personal loan up to {$50000.00} '' Once personal information is entered on website, no offers given. \n : Company chooses not to provide a public response"},{"Question":"This debt was due to an XXXX visit where I clearly stated I did not have insurance and was unable to pay the bill. I was treated for a XXXX, and was not advised that I would be placed in collections for my inability to pay. This amount should be discharged. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This debt was due to an XXXX visit where I clearly stated I did not have insurance and was unable to pay the bill. I was treated for a XXXX, and was not advised that I would be placed in collections for my inability to pay. This amount should be discharged. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Listed one of my employers as XXXX ; I only have one employer XXXX \n","text":"Company chooses not to provide a public response","context":": Listed one of my employers as XXXX ; I only have one employer XXXX \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo Bank Changed the Routing Numbers without any notication causing my car payment made online to be returnded causing late payment fees \n","text":"Company chooses not to provide a public response","context":": Wells Fargo Bank Changed the Routing Numbers without any notication causing my car payment made online to be returnded causing late payment fees \n : Company chooses not to provide a public response"},{"Question":"My insurance is XXXX. They have a doctor on my credit report which was a referer from the military. \nYou can not just go to a doctor they put in the wrong code at the doctors office. I have contact them for this matter. However it is now on my credit report as unpaid. \n","text":"Company chooses not to provide a public response","context":": My insurance is XXXX. They have a doctor on my credit report which was a referer from the military. \nYou can not just go to a doctor they put in the wrong code at the doctors office. I have contact them for this matter. However it is now on my credit report as unpaid. \n : Company chooses not to provide a public response"},{"Question":"Never lived in virginia \n","text":"Company chooses not to provide a public response","context":": Never lived in virginia \n : Company chooses not to provide a public response"},{"Question":"Credit card payment, for groceries purchased at the XXXX XXXX commissary on XXXX\/XXXX\/15 and XXXX\/XXXX\/15, were denied \n","text":"Company chooses not to provide a public response","context":": Credit card payment, for groceries purchased at the XXXX XXXX commissary on XXXX\/XXXX\/15 and XXXX\/XXXX\/15, were denied \n : Company chooses not to provide a public response"},{"Question":"I cant get an annual report I was told alredy recieved one when I have XXXX applied for one this first time. \n","text":"Company chooses not to provide a public response","context":": I cant get an annual report I was told alredy recieved one when I have XXXX applied for one this first time. \n : Company chooses not to provide a public response"},{"Question":"They refuse to send me my credit report online or via email. Called with no resolution, unable to obtain free annual credit report as well. \n","text":"Company chooses not to provide a public response","context":": They refuse to send me my credit report online or via email. Called with no resolution, unable to obtain free annual credit report as well. \n : Company chooses not to provide a public response"},{"Question":"I am trying to review a account in which I am a authorized user and am not liable for the account, no one will will help me without a account number, I do not have that information. They keep hanging up on me \n","text":"Company chooses not to provide a public response","context":": I am trying to review a account in which I am a authorized user and am not liable for the account, no one will will help me without a account number, I do not have that information. They keep hanging up on me \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes the complaint is the result of a misunderstanding","context":": 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 : Company believes the complaint is the result of a misunderstanding"},{"Question":"I feel that I 'm paying more than I should. \n","text":"Company chooses not to provide a public response","context":": I feel that I 'm paying more than I should. \n : Company chooses not to provide a public response"},{"Question":"Genuine Debt Solutions calls me repeatedly about a debt I owe. Their number is XXXX or XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Genuine Debt Solutions calls me repeatedly about a debt I owe. Their number is XXXX or XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"i inquired about their services only and refused it and they to charge me \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i inquired about their services only and refused it and they to charge me \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Transunion reports that my account balance increased by {$11000.00} due to a student loan with XXXX. I have always had that loan, so it should not have been reported as a new debt. They knocked my credit score down by XXXX points. They should have not done that. \n","text":"Company chooses not to provide a public response","context":": Transunion reports that my account balance increased by {$11000.00} due to a student loan with XXXX. I have always had that loan, so it should not have been reported as a new debt. They knocked my credit score down by XXXX points. They should have not done that. \n : Company chooses not to provide a public response"},{"Question":"On my XXXX credit report, There are XXXX collections that were just added to my file that do not belong to me. I have never been contacted by these people. The account owner does not even have the same name as me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": On my XXXX credit report, There are XXXX collections that were just added to my file that do not belong to me. I have never been contacted by these people. The account owner does not even have the same name as me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have paid off all of my debt except for my car. Student loans are all paid and the XXXX phone bill that was in collections also. My credit score should reflect that. I also no longer work for XXXX and now work for XXXX XXXX XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": I have paid off all of my debt except for my car. Student loans are all paid and the XXXX phone bill that was in collections also. My credit score should reflect that. I also no longer work for XXXX and now work for XXXX XXXX XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"I told them I do n't get paid till Friday but they wo n't wait they want to take it out on Wednesday they purposely are going to bounce my account. \n","text":"Company chooses not to provide a public response","context":": I told them I do n't get paid till Friday but they wo n't wait they want to take it out on Wednesday they purposely are going to bounce my account. \n : Company chooses not to provide a public response"},{"Question":"We settled with SPS Select Portfolio Servicing for a short negotiated payoff and now they are reporting the wrong information to the Credit Bureaus, this need to be changed to Paid on our reports \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": We settled with SPS Select Portfolio Servicing for a short negotiated payoff and now they are reporting the wrong information to the Credit Bureaus, this need to be changed to Paid on our reports \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Bank of America did an unexpected or unauthorized automated payment from my personal account to my inactive past due small business credit card account that had been inactive for months. The amount of the transfer is {$490.00} and happened XXXX XXXX, 2015. \n","text":"Company chooses not to provide a public response","context":": Bank of America did an unexpected or unauthorized automated payment from my personal account to my inactive past due small business credit card account that had been inactive for months. The amount of the transfer is {$490.00} and happened XXXX XXXX, 2015. \n : Company chooses not to provide a public response"},{"Question":"There is an account listed on my Experian report that is not mine. I contacted the company, XXXX XXXX XXXX, and they have no record of an account. I tried to dispute this with Experian and keep getting a message that they would not investigate this. I need your help. \n","text":"Company chooses not to provide a public response","context":": There is an account listed on my Experian report that is not mine. I contacted the company, XXXX XXXX XXXX, and they have no record of an account. I tried to dispute this with Experian and keep getting a message that they would not investigate this. I need your help. \n : Company chooses not to provide a public response"},{"Question":"My parents credit information is on my credit report. \n","text":"Company chooses not to provide a public response","context":": My parents credit information is on my credit report. \n : Company chooses not to provide a public response"},{"Question":"My credit report contains my parents information \n","text":"Company chooses not to provide a public response","context":": My credit report contains my parents information \n : Company chooses not to provide a public response"},{"Question":"XXXX address in XXXX appears in my known addesses- I have never lived or used a XXXX tgere \n","text":"Company chooses not to provide a public response","context":": XXXX address in XXXX appears in my known addesses- I have never lived or used a XXXX tgere \n : Company chooses not to provide a public response"},{"Question":"Bank Of America refusing cancel my PMI without expensive appraisal even so my principal balance of existing mortgage is below 75 percent of the original value. \n","text":"Company chooses not to provide a public response","context":": Bank Of America refusing cancel my PMI without expensive appraisal even so my principal balance of existing mortgage is below 75 percent of the original value. \n : Company chooses not to provide a public response"},{"Question":"I disputed a Public record with Trans Union and sent them proper paperwork showing that XXXX XXXX NC Courts dismisssed the judgement against me and my credit report still shows it. \n","text":"Company chooses not to provide a public response","context":": I disputed a Public record with Trans Union and sent them proper paperwork showing that XXXX XXXX NC Courts dismisssed the judgement against me and my credit report still shows it. \n : Company chooses not to provide a public response"},{"Question":"The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about XXXX days ago it showed up on my report \n","text":"Company chooses not to provide a public response","context":": The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about XXXX days ago it showed up on my report \n : Company chooses not to provide a public response"},{"Question":"two credit card companies have the wrong info and reporting credit against me. i have tried to have them correct the problem. sent certified letters asking for the social security number to be corrected and nothing happens \n","text":"Company chooses not to provide a public response","context":": two credit card companies have the wrong info and reporting credit against me. i have tried to have them correct the problem. sent certified letters asking for the social security number to be corrected and nothing happens \n : Company chooses not to provide a public response"},{"Question":"this company was fully paid, by my new lender, and they did not, reportto the XXXX credit bureau agency, they are damaging my report, theyshould be investigated, they received the money, but they never clearedmy name to the credit bureau, this company should be penalizedfor negligence. \n","text":"Company chooses not to provide a public response","context":": this company was fully paid, by my new lender, and they did not, reportto the XXXX credit bureau agency, they are damaging my report, theyshould be investigated, they received the money, but they never clearedmy name to the credit bureau, this company should be penalizedfor negligence. \n : Company chooses not to provide a public response"},{"Question":"there is someone elses name on my transunion credit report. the names XXXX XXXX is not mine nor do I know this person. My name is XXXX XXXX and always has veen \n","text":"Company chooses not to provide a public response","context":": there is someone elses name on my transunion credit report. the names XXXX XXXX is not mine nor do I know this person. My name is XXXX XXXX and always has veen \n : Company chooses not to provide a public response"},{"Question":"XXXX put me in collections after they agreed to cancel my contract because of bad service in the XXXX Fl area and it is now appearing on my credit report XXXX years after the issue was resolved. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": XXXX put me in collections after they agreed to cancel my contract because of bad service in the XXXX Fl area and it is now appearing on my credit report XXXX years after the issue was resolved. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I hve an acct that does not belong to me that has reported on my credit file from your company enhanced recovery XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I hve an acct that does not belong to me that has reported on my credit file from your company enhanced recovery XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Received notification that taxes were increased therefore increased mortgage paymentsfrom Wells Fargo Bank \n","text":"Company chooses not to provide a public response","context":": Received notification that taxes were increased therefore increased mortgage paymentsfrom Wells Fargo Bank \n : Company chooses not to provide a public response"},{"Question":"I didnt know i had a last bill until i move and it came up on my report i payed it. They said it eould get remove but it still shows open. XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I didnt know i had a last bill until i move and it came up on my report i payed it. They said it eould get remove but it still shows open. XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I filed for Bankruptcy XX\/XX\/XXXX and was discharged XX\/XX\/XXXX. The bankruptcy trustee did not pay the real estate taxes on properties in the estate and the liens have been recorded against my personal credit although they were not my liability. \n","text":"Company chooses not to provide a public response","context":": I filed for Bankruptcy XX\/XX\/XXXX and was discharged XX\/XX\/XXXX. The bankruptcy trustee did not pay the real estate taxes on properties in the estate and the liens have been recorded against my personal credit although they were not my liability. \n : Company chooses not to provide a public response"},{"Question":"I filed for Bankruptcy XX\/XX\/XXXX. I was discharged under Chapter XXXX XX\/XX\/XXXX. The bankruptcy trustee did not pay real estate taxes on property within the estate and these have wrongly been placed on my credit file. \n","text":"Company chooses not to provide a public response","context":": I filed for Bankruptcy XX\/XX\/XXXX. I was discharged under Chapter XXXX XX\/XX\/XXXX. The bankruptcy trustee did not pay real estate taxes on property within the estate and these have wrongly been placed on my credit file. \n : Company chooses not to provide a public response"},{"Question":"my paypal account was permanently limited, and the fund in my account was to be held for 180days. \n\nI aske Paypal to release my fund immediately. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": my paypal account was permanently limited, and the fund in my account was to be held for 180days. \n\nI aske Paypal to release my fund immediately. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"this information on transunion is incorrect wrong person \n","text":"Company chooses not to provide a public response","context":": this information on transunion is incorrect wrong person \n : Company chooses not to provide a public response"},{"Question":"Rubin and Rothman had placed a judgement against me. I made an settlement offer of {$4300.00} which they excepted on XXXX XXXX, I have still not received any paperwork from them to vacate the judgement as they have agreed on. \n","text":"Company chooses not to provide a public response","context":": Rubin and Rothman had placed a judgement against me. I made an settlement offer of {$4300.00} which they excepted on XXXX XXXX, I have still not received any paperwork from them to vacate the judgement as they have agreed on. \n : Company chooses not to provide a public response"},{"Question":"XXXX account was closed more than 7 years ago. This should no longer be shown on my credit report. \n","text":"Company chooses not to provide a public response","context":": XXXX account was closed more than 7 years ago. This should no longer be shown on my credit report. \n : Company chooses not to provide a public response"},{"Question":"United Consumer , Inc. keeps calling my phone number for a XXXX XXXX XXXX ; the phone they leave is XXXX. \n","text":"Company chooses not to provide a public response","context":": United Consumer , Inc. keeps calling my phone number for a XXXX XXXX XXXX ; the phone they leave is XXXX. \n : Company chooses not to provide a public response"},{"Question":"Account was verified \n","text":"Company chooses not to provide a public response","context":": Account was verified \n : Company chooses not to provide a public response"},{"Question":"The Company, Omega RMS , LLC is claiming I owe XXXX XXXX ( XXXX ) XXXX and they will restore service. I have never contracted with XXXX and I currently have an active account with XXXX, which I would not if this claim was valid. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": The Company, Omega RMS , LLC is claiming I owe XXXX XXXX ( XXXX ) XXXX and they will restore service. I have never contracted with XXXX and I currently have an active account with XXXX, which I would not if this claim was valid. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Loan was a paid off and it is showing up on my credit report. \n","text":"Company chooses not to provide a public response","context":": Loan was a paid off and it is showing up on my credit report. \n : Company chooses not to provide a public response"},{"Question":"Bank of America sold our loan to another bank and did not tell us they where doing so. When we went to pay our mortgage we where not allowed to pay it and it became late. This also hurts our credit cause of the way credit reporting companies rate length of credit history. \n","text":"Company chooses not to provide a public response","context":": Bank of America sold our loan to another bank and did not tell us they where doing so. When we went to pay our mortgage we where not allowed to pay it and it became late. This also hurts our credit cause of the way credit reporting companies rate length of credit history. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX ( now XXXX ) is showing my final payment on my mortgage as 30 days late. It was \" late '' because, despite repeated attempts by me, the company failed to give me the final payoff amount in a timely manner. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX ( now XXXX ) is showing my final payment on my mortgage as 30 days late. It was \" late '' because, despite repeated attempts by me, the company failed to give me the final payoff amount in a timely manner. \n : Company chooses not to provide a public response"},{"Question":"transunion credit report web suite does not work making it impossible to order a credit report on line as they advertise. there is no way to contact them toresolve this. \n","text":"Company chooses not to provide a public response","context":": transunion credit report web suite does not work making it impossible to order a credit report on line as they advertise. there is no way to contact them toresolve this. \n : Company chooses not to provide a public response"},{"Question":"I applied for a credit card and was denied ( see attached letter ), I had lifted my security freeze per process described and it did not allowaccess to my credit file as claimed by credit card company. \n","text":"Company chooses not to provide a public response","context":": I applied for a credit card and was denied ( see attached letter ), I had lifted my security freeze per process described and it did not allowaccess to my credit file as claimed by credit card company. \n : Company chooses not to provide a public response"},{"Question":"I Have no idea why this company is placing a collection account on my credit. \n","text":"Company chooses not to provide a public response","context":": I Have no idea why this company is placing a collection account on my credit. \n : Company chooses not to provide a public response"},{"Question":"I never established accounts or know anything about the following three creditors listed on my credit report XXXX XXXX reported by XXXX XXXX XXXX XXXX reported by TransUnion, XXXX XXXX reported by TransUnion \n","text":"Company chooses not to provide a public response","context":": I never established accounts or know anything about the following three creditors listed on my credit report XXXX XXXX reported by XXXX XXXX XXXX XXXX reported by TransUnion, XXXX XXXX reported by TransUnion \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about 3 days ago it showed up on my report \n","text":"Company chooses not to provide a public response","context":": The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about 3 days ago it showed up on my report \n : Company chooses not to provide a public response"},{"Question":"There is an address listed on my credit report that I never lived at. The address is:XXXX XXXX XXXX XXXX. XXXX, IN XXXX \n","text":"Company chooses not to provide a public response","context":": There is an address listed on my credit report that I never lived at. The address is:XXXX XXXX XXXX XXXX. XXXX, IN XXXX \n : Company chooses not to provide a public response"},{"Question":"I have not been using my account for over 6 months. When I checked the account it had occurred over {$630.00} in overdraft fees alone. There were over XXXX {$35.00} fees from where one company tried to take money out of the account. \n","text":"Company chooses not to provide a public response","context":": I have not been using my account for over 6 months. When I checked the account it had occurred over {$630.00} in overdraft fees alone. There were over XXXX {$35.00} fees from where one company tried to take money out of the account. \n : Company chooses not to provide a public response"},{"Question":"I moved a year ago and obtained a new XXXX and XXXX mortgage. Trans Union is still reporting my old address and has n't reported my new mortgages. These items are affecting my credit score. \n","text":"Company chooses not to provide a public response","context":": I moved a year ago and obtained a new XXXX and XXXX mortgage. Trans Union is still reporting my old address and has n't reported my new mortgages. These items are affecting my credit score. \n : Company chooses not to provide a public response"},{"Question":"I have received phone calls regarding money I do not owe. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I have received phone calls regarding money I do not owe. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I do not owe debts. Bills are paid timely. Keep getting robo calls on answering machine from XXXX stating it is debt collector. Must be continuing scam. I do not return the calls. \n","text":"Company chooses not to provide a public response","context":": I do not owe debts. Bills are paid timely. Keep getting robo calls on answering machine from XXXX stating it is debt collector. Must be continuing scam. I do not return the calls. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company can't verify or dispute the facts in the complaint","context":": 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 : Company can't verify or dispute the facts in the complaint"},{"Question":"Will not tell me anything regarding the purpose of their call or their names or the company they work for unless I give them my personal information. Not going to happen! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Will not tell me anything regarding the purpose of their call or their names or the company they work for unless I give them my personal information. Not going to happen! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Paypal closed my account and is holding the funds for past 4 months. There has been no update what so ever and no one from paypal has got in contacted with me with details on why the money is still with them despite the account being closed 4 months back. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Paypal closed my account and is holding the funds for past 4 months. There has been no update what so ever and no one from paypal has got in contacted with me with details on why the money is still with them despite the account being closed 4 months back. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Third party debt collector attempting to collect unverified and disputed debt from myself and my minor child. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Third party debt collector attempting to collect unverified and disputed debt from myself and my minor child. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"this account is fraudulent and continues to report on my file \n","text":"Company chooses not to provide a public response","context":": this account is fraudulent and continues to report on my file \n : Company chooses not to provide a public response"},{"Question":"I am XXXX years old. Eveytime I get my credit report, my mother 's name is listed as a XXXX name on it. \n","text":"Company chooses not to provide a public response","context":": I am XXXX years old. Eveytime I get my credit report, my mother 's name is listed as a XXXX name on it. \n : Company chooses not to provide a public response"},{"Question":"I am also making a complaint agains the original creditor. This debt should have been taken care by the VA long time ago. I have no invoice for these services. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I am also making a complaint agains the original creditor. This debt should have been taken care by the VA long time ago. I have no invoice for these services. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"There is a hard inqu. that i did not authorize. \n","text":"Company chooses not to provide a public response","context":": There is a hard inqu. that i did not authorize. \n : Company chooses not to provide a public response"},{"Question":"This information was removed back in XXXX 2015 and then now, 3 months later it is reappearing! \n","text":"Company chooses not to provide a public response","context":": This information was removed back in XXXX 2015 and then now, 3 months later it is reappearing! \n : Company chooses not to provide a public response"},{"Question":"we are trying to perform a short sale with Wells Fargo. There have been XXXX offers on my home, yet Wells Fargo has not even reviewed them yet, after two weeks, because they ca n't seem to get this open to do a short sale. \n","text":"Company chooses not to provide a public response","context":": we are trying to perform a short sale with Wells Fargo. There have been XXXX offers on my home, yet Wells Fargo has not even reviewed them yet, after two weeks, because they ca n't seem to get this open to do a short sale. \n : Company chooses not to provide a public response"},{"Question":"The bank close my account without nofity me of reason i received a check in the mail that i did not know was not a real check. Im only XXXX years old never had a account before now Im not able to open an account in my name.because of the issue. \n","text":"Company chooses not to provide a public response","context":": The bank close my account without nofity me of reason i received a check in the mail that i did not know was not a real check. Im only XXXX years old never had a account before now Im not able to open an account in my name.because of the issue. \n : Company chooses not to provide a public response"},{"Question":"Addendum number XXXX : XXXX ( unintelligible last name ) called from Wells Fargo, in regard to our complaint. He left us a message to call XXXX XXXX, who was not in the office, so he left us a number to reach him. XXXX, that number is not in service. \n","text":"Company chooses not to provide a public response","context":": Addendum number XXXX : XXXX ( unintelligible last name ) called from Wells Fargo, in regard to our complaint. He left us a message to call XXXX XXXX, who was not in the office, so he left us a number to reach him. XXXX, that number is not in service. \n : Company chooses not to provide a public response"},{"Question":"I had duplicate accounts in XXXX which shows the balance XXXX e.g. XXXX $ on a card that has {$4000.00} total. I erased the XXXX card and paid off the card since. \n","text":"Company chooses not to provide a public response","context":": I had duplicate accounts in XXXX which shows the balance XXXX e.g. XXXX $ on a card that has {$4000.00} total. I erased the XXXX card and paid off the card since. \n : Company chooses not to provide a public response"},{"Question":"Called before XXXX on XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). In addition, they are calling my cell phone using an auto dialer. In total, they have made XXXX auto dial calls. \n","text":"Company chooses not to provide a public response","context":": Called before XXXX on XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). In addition, they are calling my cell phone using an auto dialer. In total, they have made XXXX auto dial calls. \n : Company chooses not to provide a public response"},{"Question":"Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars XX\/XX\/XXXX and XXXX of XXXX dollar XX\/XX\/XXXX experian is reporting this and transunion and I mailed them statements if proof of payment \n","text":"Company chooses not to provide a public response","context":": Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars XX\/XX\/XXXX and XXXX of XXXX dollar XX\/XX\/XXXX experian is reporting this and transunion and I mailed them statements if proof of payment \n : Company chooses not to provide a public response"},{"Question":"Western mercantile is garnishing my wages. The judgment is no longer valid. It was never renewed. This was confirmed by an attorney I have talked with. \n","text":"Company chooses not to provide a public response","context":": Western mercantile is garnishing my wages. The judgment is no longer valid. It was never renewed. This was confirmed by an attorney I have talked with. \n : Company chooses not to provide a public response"},{"Question":"This company ( XXXX XXXX ) that has a collection out on me {$410.00} failed to submit balance to my XXXX XXXX company, I do not owe this to them!!! \n","text":"Company chooses not to provide a public response","context":": This company ( XXXX XXXX ) that has a collection out on me {$410.00} failed to submit balance to my XXXX XXXX company, I do not owe this to them!!! \n : Company chooses not to provide a public response"},{"Question":"ITEMS THAT SHOULD BE REMOVE FROM MY CREDIT REPORT ARE NOT COMING OFF MY FILE, THERE ARE INCORRECT INFORMATION IN MY CREDIT FILE. \n","text":"Company chooses not to provide a public response","context":": ITEMS THAT SHOULD BE REMOVE FROM MY CREDIT REPORT ARE NOT COMING OFF MY FILE, THERE ARE INCORRECT INFORMATION IN MY CREDIT FILE. \n : Company chooses not to provide a public response"},{"Question":"After speaking with the company, they agreed to take it off my bill. I then closed the acccount XXXX years ago myself. They did not close it. \n\nXXXX XXXX \n","text":"Company chooses not to provide a public response","context":": After speaking with the company, they agreed to take it off my bill. I then closed the acccount XXXX years ago myself. They did not close it. \n\nXXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Fraudulent Activities in my credit report and some are reports XXXX in my personal accounts. Please remove all these negatives accounts. My Identity has been lost. \n","text":"Company chooses not to provide a public response","context":": Fraudulent Activities in my credit report and some are reports XXXX in my personal accounts. Please remove all these negatives accounts. My Identity has been lost. \n : Company chooses not to provide a public response"},{"Question":"I believe this is Wellafargo this account wasCharge off. I had payed {$840.00} dollars toXXXX to fix. The negativelyWhich they did an I have proof \n","text":"Company chooses not to provide a public response","context":": I believe this is Wellafargo this account wasCharge off. I had payed {$840.00} dollars toXXXX to fix. The negativelyWhich they did an I have proof \n : Company chooses not to provide a public response"},{"Question":"I do n't owe any money to XXXX for XXXX {$.00} this information is not accrete please take this out from my Credit Score ASAP Thanks \n","text":"Company chooses not to provide a public response","context":": I do n't owe any money to XXXX for XXXX {$.00} this information is not accrete please take this out from my Credit Score ASAP Thanks \n : Company chooses not to provide a public response"},{"Question":"this acct is fraudulent and when initially submitting information was not totally complete this was a case of identity theft and needs to be removed from your records and my file asap \n","text":"Company chooses not to provide a public response","context":": this acct is fraudulent and when initially submitting information was not totally complete this was a case of identity theft and needs to be removed from your records and my file asap \n : Company chooses not to provide a public response"},{"Question":"I contacted XXXX and FBCS Consumer Contact Solutions and they ignored my requests for validation. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I contacted XXXX and FBCS Consumer Contact Solutions and they ignored my requests for validation. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"First National Collection Bureau XXXX Inc., account # : XXXX, Ref # : XXXX, is a fraudulent account and do not belong to me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": First National Collection Bureau XXXX Inc., account # : XXXX, Ref # : XXXX, is a fraudulent account and do not belong to me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I filed a chapter XXXX XX\/XX\/XXXX and it was discharged XX\/XX\/XXXX but it is still on my TransUnion report even though it has been fifteen years and it is only suppose to be there for seven. \n","text":"Company chooses not to provide a public response","context":": I filed a chapter XXXX XX\/XX\/XXXX and it was discharged XX\/XX\/XXXX but it is still on my TransUnion report even though it has been fifteen years and it is only suppose to be there for seven. \n : Company chooses not to provide a public response"},{"Question":"I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX this information is not accrete please take this out from my Credit Score ASAP \n","text":"Company chooses not to provide a public response","context":": I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX this information is not accrete please take this out from my Credit Score ASAP \n : Company chooses not to provide a public response"},{"Question":"I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX. this information is not accrete please take this out from my Credit Score ASAP Thanks \n","text":"Company chooses not to provide a public response","context":": I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX. this information is not accrete please take this out from my Credit Score ASAP Thanks \n : Company chooses not to provide a public response"},{"Question":"This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately. The account information is XXXX Account # XXXX XXXX {$390.00} XXXX and Acct # XXXX XXXX {$190.00} XXXX \n","text":"Company chooses not to provide a public response","context":": This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately. The account information is XXXX Account # XXXX XXXX {$390.00} XXXX and Acct # XXXX XXXX {$190.00} XXXX \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo is charging excessive late fees \n","text":"Company chooses not to provide a public response","context":": Wells Fargo is charging excessive late fees \n : Company chooses not to provide a public response"},{"Question":"My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX - XXXX XXXX XXXX XXXX contacted me with a request for full payment for an amount due on my PayPal account. I closed the paypal account and have made regular payments to PayPal. The account is not behind and is in paid each and every month. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX - XXXX XXXX XXXX XXXX contacted me with a request for full payment for an amount due on my PayPal account. I closed the paypal account and have made regular payments to PayPal. The account is not behind and is in paid each and every month. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"account with XXXX XXXX XXXX for {$36.00} has been paid in full Original XXXX on XXXX 2014 this account is showing open. after contacting XXXX XXXX and been tolld account is paid in full and closed and was to be removed from all XXXX credit reports still shows open and on reports \n","text":"Company chooses not to provide a public response","context":": account with XXXX XXXX XXXX for {$36.00} has been paid in full Original XXXX on XXXX 2014 this account is showing open. after contacting XXXX XXXX and been tolld account is paid in full and closed and was to be removed from all XXXX credit reports still shows open and on reports \n : Company chooses not to provide a public response"},{"Question":"they try to sell me more XXXX and services to make money did not correct information in file all XXXX credit Bareau. \n","text":"Company chooses not to provide a public response","context":": they try to sell me more XXXX and services to make money did not correct information in file all XXXX credit Bareau. \n : Company chooses not to provide a public response"},{"Question":"This collection agency, repeatedly calls my husbands number and sons number. To inquire about me after being told repeatedly to stop calling. They call from a ( XXXX ) XXXX and say to call another number which is XXXX ( XXXX ) XXXX. To resolve this issue. \n","text":"Company disputes the facts presented in the complaint","context":": This collection agency, repeatedly calls my husbands number and sons number. To inquire about me after being told repeatedly to stop calling. They call from a ( XXXX ) XXXX and say to call another number which is XXXX ( XXXX ) XXXX. To resolve this issue. \n : Company disputes the facts presented in the complaint"},{"Question":"Implying they are from a legitimate government agency and threatening to notify police to serve me at my place of employment if I did not pay by XXXX. \n","text":"Company chooses not to provide a public response","context":": Implying they are from a legitimate government agency and threatening to notify police to serve me at my place of employment if I did not pay by XXXX. \n : Company chooses not to provide a public response"},{"Question":"Public tax liens that have been investigated and deemed resolved and released, still remain on my credit reports for all XXXX agencies. XXXX for XXXX for the State of Maryland ( paid ) and another for XXXX for the state of Maryland ( Deemed inaccurate ) released XXXX months ago. \n","text":"Company chooses not to provide a public response","context":": Public tax liens that have been investigated and deemed resolved and released, still remain on my credit reports for all XXXX agencies. XXXX for XXXX for the State of Maryland ( paid ) and another for XXXX for the state of Maryland ( Deemed inaccurate ) released XXXX months ago. \n : Company chooses not to provide a public response"},{"Question":"During the mortgage crisis I had file bankruptcy to keep my home, and I believe that I was a victim of predatory lending. \n","text":"Company chooses not to provide a public response","context":": During the mortgage crisis I had file bankruptcy to keep my home, and I believe that I was a victim of predatory lending. \n : Company chooses not to provide a public response"},{"Question":"Alled collection calling me to collect a debt from XXXX yrs ago 1997. They could not tell me if the debt was mine or my ex husbands. \n","text":"Company chooses not to provide a public response","context":": Alled collection calling me to collect a debt from XXXX yrs ago 1997. They could not tell me if the debt was mine or my ex husbands. \n : Company chooses not to provide a public response"},{"Question":"I paid my collections account thru XXXX. They sent requests to all 3 credit bureaus. All but one took it off my report. Transunion still has it on my report. What can I do? I care about my credit report. \nThanks so much \n","text":"Company chooses not to provide a public response","context":": I paid my collections account thru XXXX. They sent requests to all 3 credit bureaus. All but one took it off my report. Transunion still has it on my report. What can I do? I care about my credit report. \nThanks so much \n : Company chooses not to provide a public response"},{"Question":"I checking my credit report There is collection agency reporting information that is not mine I am retired and have XXXX and XXXX and all my medical bills are paid 100 % I have received no correspondence from this collection agency whats so ever \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I checking my credit report There is collection agency reporting information that is not mine I am retired and have XXXX and XXXX and all my medical bills are paid 100 % I have received no correspondence from this collection agency whats so ever \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have. Requested removal of my XXXX bankruptcy court. \nAnd denial letters from Ally financial letters sho. DerogatoryXXXX XXXX is removing. I would prefer names and my previous address removed not disputed. Pls resolve this. I expect my credit to beXXXX or XXXX soon \n","text":"Company chooses not to provide a public response","context":": I have. Requested removal of my XXXX bankruptcy court. \nAnd denial letters from Ally financial letters sho. DerogatoryXXXX XXXX is removing. I would prefer names and my previous address removed not disputed. Pls resolve this. I expect my credit to beXXXX or XXXX soon \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"this fraudulent account that was removed\/deleted in XX\/XX\/XXXX was reinserted on XX\/XX\/XXXX from transunion. Transunion failed to notify the reinsertion of this account within XXXX day.s \n","text":"Company chooses not to provide a public response","context":": this fraudulent account that was removed\/deleted in XX\/XX\/XXXX was reinserted on XX\/XX\/XXXX from transunion. Transunion failed to notify the reinsertion of this account within XXXX day.s \n : Company chooses not to provide a public response"},{"Question":"I have filed XXXX complaints against this company, I received a credit report today the information is still wrong. \n","text":"Company chooses not to provide a public response","context":": I have filed XXXX complaints against this company, I received a credit report today the information is still wrong. \n : Company chooses not to provide a public response"},{"Question":"on XXXX its still saying i have an open collections account with a collection agency when i paid the bill in full \n","text":"Company chooses not to provide a public response","context":": on XXXX its still saying i have an open collections account with a collection agency when i paid the bill in full \n : Company chooses not to provide a public response"},{"Question":"sent in application for loan modification ( XXXX times ) bank claims they never received them \n","text":"Company chooses not to provide a public response","context":": sent in application for loan modification ( XXXX times ) bank claims they never received them \n : Company chooses not to provide a public response"},{"Question":"There 's XXXX credit card record. \nI have only XXXX!!!! credit card. \nAlso there 's account on XXXX XXXX name. I am not that person. And that account is n't mineWhy it 's on my record?? \nThanks \n","text":"Company chooses not to provide a public response","context":": There 's XXXX credit card record. \nI have only XXXX!!!! credit card. \nAlso there 's account on XXXX XXXX name. I am not that person. And that account is n't mineWhy it 's on my record?? \nThanks \n : Company chooses not to provide a public response"},{"Question":"I filed bankruptcy, chapter XXXX, and was discharged in XXXX of this year. A XXXX Credit Card is showing on my transunion report as closed with a {$970.00} balance and is not showing discharged as it should. \n","text":"Company chooses not to provide a public response","context":": I filed bankruptcy, chapter XXXX, and was discharged in XXXX of this year. A XXXX Credit Card is showing on my transunion report as closed with a {$970.00} balance and is not showing discharged as it should. \n : Company chooses not to provide a public response"},{"Question":"I need help \n","text":"Company chooses not to provide a public response","context":": I need help \n : Company chooses not to provide a public response"},{"Question":"Trans union is reporting unpaid medical bills for which were paid via NC XXXX! \n","text":"Company chooses not to provide a public response","context":": Trans union is reporting unpaid medical bills for which were paid via NC XXXX! \n : Company chooses not to provide a public response"},{"Question":"I filed bankruptcy back in 2013 and the check system is showing that I owe on some checks that were taken care of in my bankruptcy \n","text":"Company chooses not to provide a public response","context":": I filed bankruptcy back in 2013 and the check system is showing that I owe on some checks that were taken care of in my bankruptcy \n : Company chooses not to provide a public response"},{"Question":"Bank of America is not allowing me to file a dispute on a part of charge ( {$590.00} out of {$1700.00} ) with the merchant XXXX XXXX XXXX XXXX who has negligently lost my property while cruising and now refuses compensation. \n","text":"Company chooses not to provide a public response","context":": Bank of America is not allowing me to file a dispute on a part of charge ( {$590.00} out of {$1700.00} ) with the merchant XXXX XXXX XXXX XXXX who has negligently lost my property while cruising and now refuses compensation. \n : Company chooses not to provide a public response"},{"Question":"I have never lived or visited the State of Florida, USA and never used this address : XXXX XXXX XXXX XXXX XXXX, FL XXXX \n","text":"Company chooses not to provide a public response","context":": I have never lived or visited the State of Florida, USA and never used this address : XXXX XXXX XXXX XXXX XXXX, FL XXXX \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received a letter in the mail from a car loan company saying I was denied a loan that I never applied for. In the letter is my name and the last XXXX numbers of my wife 's social security number. \n","text":"Company chooses not to provide a public response","context":": I received a letter in the mail from a car loan company saying I was denied a loan that I never applied for. In the letter is my name and the last XXXX numbers of my wife 's social security number. \n : Company chooses not to provide a public response"},{"Question":"my XXXX account has been closed and paid in full for XXXX months. transunion showes it still opened with a balance. \n","text":"Company chooses not to provide a public response","context":": my XXXX account has been closed and paid in full for XXXX months. transunion showes it still opened with a balance. \n : Company chooses not to provide a public response"},{"Question":"On both my XXXX and experian credit report XXXX has listed that my account balance is for my auto loan is {$31000.00}. That vehicle was sold and the loan paid. I am no longer responsible for that account and would like the status on my reports to reflect that \n","text":"Company chooses not to provide a public response","context":": On both my XXXX and experian credit report XXXX has listed that my account balance is for my auto loan is {$31000.00}. That vehicle was sold and the loan paid. I am no longer responsible for that account and would like the status on my reports to reflect that \n : Company chooses not to provide a public response"},{"Question":"I 've sent Experian copies of letters and proof of payment of an account I am disputing but Experian still will not remove the negative account with XXXX XXXX XXXX XXXX this has cause me to fall out of escrow, potentially lose a home. \n","text":"Company chooses not to provide a public response","context":": I 've sent Experian copies of letters and proof of payment of an account I am disputing but Experian still will not remove the negative account with XXXX XXXX XXXX XXXX this has cause me to fall out of escrow, potentially lose a home. \n : Company chooses not to provide a public response"},{"Question":"I received a check from a business doing their banking with Bank ofAmerica. This bank charged XXXX ( XXXX ) dollars to cash a check written forpayment at their bank. This is common practice in XXXX XXXX, Nevada. \n","text":"Company chooses not to provide a public response","context":": I received a check from a business doing their banking with Bank ofAmerica. This bank charged XXXX ( XXXX ) dollars to cash a check written forpayment at their bank. This is common practice in XXXX XXXX, Nevada. \n : Company chooses not to provide a public response"},{"Question":"Can not remove fraud alert. \n","text":"Company chooses not to provide a public response","context":": Can not remove fraud alert. \n : Company chooses not to provide a public response"},{"Question":"Hello my name is XXXX XXXX. my investigation is not yet complete, from trans union, XXXX, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you \n","text":"Company chooses not to provide a public response","context":": Hello my name is XXXX XXXX. my investigation is not yet complete, from trans union, XXXX, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you \n : Company chooses not to provide a public response"},{"Question":"bankruptcy public record and some information that is not belong to me \n","text":"Company chooses not to provide a public response","context":": bankruptcy public record and some information that is not belong to me \n : Company chooses not to provide a public response"},{"Question":"Collection notice from Enhanced Recovery Company , LLC, ( Mailing address XXXX, FL XXXX ) asking for unpaid balance {$150.00} to XXXX. I have automatic payment with XXXX, and do n't have any outstanding balance. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Collection notice from Enhanced Recovery Company , LLC, ( Mailing address XXXX, FL XXXX ) asking for unpaid balance {$150.00} to XXXX. I have automatic payment with XXXX, and do n't have any outstanding balance. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am being assessed a foreign transaction fee at Bank of America for the privilege of paying a bill to a company that is based in the XXXX but where the money is being paid to an account here in the United States. Whom do we talk to about protesting this fee? \n","text":"Company chooses not to provide a public response","context":": I am being assessed a foreign transaction fee at Bank of America for the privilege of paying a bill to a company that is based in the XXXX but where the money is being paid to an account here in the United States. Whom do we talk to about protesting this fee? \n : Company chooses not to provide a public response"},{"Question":"I attempted to file a request for correction on my report and even faxed information to the bureau and yet they are NOT correcting my report or improving my score ( as my banker and I believe it should be ) \n","text":"Company chooses not to provide a public response","context":": I attempted to file a request for correction on my report and even faxed information to the bureau and yet they are NOT correcting my report or improving my score ( as my banker and I believe it should be ) \n : Company chooses not to provide a public response"},{"Question":"a person name XXXX called me from her cell phone about a debt.i called that same number back the next daya nd the number no longer exist.she been calling me from a XXXX number and a XXXX number. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": a person name XXXX called me from her cell phone about a debt.i called that same number back the next daya nd the number no longer exist.she been calling me from a XXXX number and a XXXX number. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"i am trying to get a loan modification from abnk of america, and the keep asking me to send them more paper work, and more paperwork..My name is XXXX and XXXX XXXX XXXX, and my loan # XXXX \n","text":"Company chooses not to provide a public response","context":": i am trying to get a loan modification from abnk of america, and the keep asking me to send them more paper work, and more paperwork..My name is XXXX and XXXX XXXX XXXX, and my loan # XXXX \n : Company chooses not to provide a public response"},{"Question":"There is a satisfied judgement on my credit report the judge has vacated it please remove it from my credit report.enclosed is a copy of the consent order from the court. \n","text":"Company chooses not to provide a public response","context":": There is a satisfied judgement on my credit report the judge has vacated it please remove it from my credit report.enclosed is a copy of the consent order from the court. \n : Company chooses not to provide a public response"},{"Question":"We send the money in XXXX but they still do n't receive the transfers with send on the XXXX\/XXXX\/2015 \n","text":"Company chooses not to provide a public response","context":": We send the money in XXXX but they still do n't receive the transfers with send on the XXXX\/XXXX\/2015 \n : Company chooses not to provide a public response"},{"Question":"Between XX\/XX\/XXXX and XX\/XX\/XXXX my credit score dropped from XXXX to XXXX. The credit company states that this is due to : a derogatory public record or collection filed. I have never received any legal documents to verify this claim via the mail or otherwise. \n","text":"Company chooses not to provide a public response","context":": Between XX\/XX\/XXXX and XX\/XX\/XXXX my credit score dropped from XXXX to XXXX. The credit company states that this is due to : a derogatory public record or collection filed. I have never received any legal documents to verify this claim via the mail or otherwise. \n : Company chooses not to provide a public response"},{"Question":"not able to get free credit report. after being denied credit. have to send photo copies of identity, and address. \n","text":"Company chooses not to provide a public response","context":": not able to get free credit report. after being denied credit. have to send photo copies of identity, and address. \n : Company chooses not to provide a public response"},{"Question":"I HAVE PAID A JUDGEMENT TO IRS IN XXXX\/XXXX\/2013 I HAVE THEDOCUMENTHEHEE DOCUMENT IN FRONT OF ME I STILL HAVE THE JUDGEMENT ON ALL THEEETNT ON ALL XXXX CREDIT COMPANIES I HAVE TRIED EVERYTHING TO NO AVYTHING TO NO AVAIL \n","text":"Company chooses not to provide a public response","context":": I HAVE PAID A JUDGEMENT TO IRS IN XXXX\/XXXX\/2013 I HAVE THEDOCUMENTHEHEE DOCUMENT IN FRONT OF ME I STILL HAVE THE JUDGEMENT ON ALL THEEETNT ON ALL XXXX CREDIT COMPANIES I HAVE TRIED EVERYTHING TO NO AVYTHING TO NO AVAIL \n : Company chooses not to provide a public response"},{"Question":"We were trying to get a lower interest rate. The bank should have offered us a refinance loan, instead of a modification loan. Our credit was not bad. It ended up costing us an extra 10 years at the same interest rate of 5.99 % plus {$7000.00} in closing coast. \n","text":"Company chooses not to provide a public response","context":": We were trying to get a lower interest rate. The bank should have offered us a refinance loan, instead of a modification loan. Our credit was not bad. It ended up costing us an extra 10 years at the same interest rate of 5.99 % plus {$7000.00} in closing coast. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": 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 : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"XXXX account listed on my credit report with Experian and XXXX has been paid and closed since XXXX 2007. I would like this account removed from my credit report as it has been over 7 years. \n","text":"Company chooses not to provide a public response","context":": XXXX account listed on my credit report with Experian and XXXX has been paid and closed since XXXX 2007. I would like this account removed from my credit report as it has been over 7 years. \n : Company chooses not to provide a public response"},{"Question":"My loan has been taken away but the company still keeps their account open in my credit information. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": My loan has been taken away but the company still keeps their account open in my credit information. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"The cable account closed from XXXX is wrong, I moved out from that apartment since 2007, did they use the cable account in the next tenant or something like that?, please investigate. Thanks. \n","text":"Company chooses not to provide a public response","context":": The cable account closed from XXXX is wrong, I moved out from that apartment since 2007, did they use the cable account in the next tenant or something like that?, please investigate. Thanks. \n : Company chooses not to provide a public response"},{"Question":"I was issued a refund for the credit protection plan. This has not been updated on my credit report, as required by the terms of the Consent Agreement that BOA entered. I would like this remediated. \n","text":"Company chooses not to provide a public response","context":": I was issued a refund for the credit protection plan. This has not been updated on my credit report, as required by the terms of the Consent Agreement that BOA entered. I would like this remediated. \n : Company chooses not to provide a public response"},{"Question":"On XXXX XXXX I received the first collection letter from Central Credit Services LLC located at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX with the phone ( XXXX ) on behalf of the creditor XXXX XXXX XXXX, for a debth ( {$230.00} ) which I do not recognize and does not belong to me. \n","text":"Company chooses not to provide a public response","context":": On XXXX XXXX I received the first collection letter from Central Credit Services LLC located at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX with the phone ( XXXX ) on behalf of the creditor XXXX XXXX XXXX, for a debth ( {$230.00} ) which I do not recognize and does not belong to me. \n : Company chooses not to provide a public response"},{"Question":"I have a report showed in my account regarding XXXXOriginal Creditor for {$1600.00}, i have never been to XXXX XXXX before in my life.I know my green card was stolen sometimes in 2010 \n","text":"Company chooses not to provide a public response","context":": I have a report showed in my account regarding XXXXOriginal Creditor for {$1600.00}, i have never been to XXXX XXXX before in my life.I know my green card was stolen sometimes in 2010 \n : Company chooses not to provide a public response"},{"Question":"The loan officer threatened to disqualify the buyer if I issued a cure notice. Loan doc 's were not at title 3 days prior to the close of escrow date. Clearly a breach of the purchase contract. I was protecting my seller. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The loan officer threatened to disqualify the buyer if I issued a cure notice. Loan doc 's were not at title 3 days prior to the close of escrow date. Clearly a breach of the purchase contract. I was protecting my seller. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX XXXX set up a XXXX account under my social security number but wrong name my name is XXXX XXXX XXXX not XXXX j XXXX \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX set up a XXXX account under my social security number but wrong name my name is XXXX XXXX XXXX not XXXX j XXXX \n : Company chooses not to provide a public response"},{"Question":"XXXX used my social security number to open a XXXX accout without permission \n","text":"Company chooses not to provide a public response","context":": XXXX used my social security number to open a XXXX accout without permission \n : Company chooses not to provide a public response"},{"Question":"I have a public record due to common law. This debt was created without knowledge, but was paid in full to clear my credit. \n","text":"Company chooses not to provide a public response","context":": I have a public record due to common law. This debt was created without knowledge, but was paid in full to clear my credit. \n : Company chooses not to provide a public response"},{"Question":"I have a USAA charged off that 's being reports monthly to my credit report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have a USAA charged off that 's being reports monthly to my credit report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There are several credit card accounts on my credit report that do not belong to me. Based off of my credit report, it says that I am an authorized user on XXXX credit cards that do not belong to me. \n\nXXXX\/XXXX\/XXXX \n","text":"Company chooses not to provide a public response","context":": There are several credit card accounts on my credit report that do not belong to me. Based off of my credit report, it says that I am an authorized user on XXXX credit cards that do not belong to me. \n\nXXXX\/XXXX\/XXXX \n : Company chooses not to provide a public response"},{"Question":"My address is incorrect it should beXXXX XXXX, wa XXXX \n","text":"Company chooses not to provide a public response","context":": My address is incorrect it should beXXXX XXXX, wa XXXX \n : Company chooses not to provide a public response"},{"Question":"Hunter Warfield calls almost daily in attempt to collect information from me on a relative. They have no right to try to use me as a source of information and such calls are simply harassment. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Hunter Warfield calls almost daily in attempt to collect information from me on a relative. They have no right to try to use me as a source of information and such calls are simply harassment. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"XXXX XXXX continues to report an open collection item on my credit report, even though this item has long since been paid in full. The balance is zero. This item has not been updated on my report in over a year. \n","text":"Company can't verify or dispute the facts in the complaint","context":": XXXX XXXX continues to report an open collection item on my credit report, even though this item has long since been paid in full. The balance is zero. This item has not been updated on my report in over a year. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"ACCOUNT FOR XXXX XXXX HAS BEEN FULLY PAID AND CLOSED SINCE XXXX 2014. \n","text":"Company chooses not to provide a public response","context":": ACCOUNT FOR XXXX XXXX HAS BEEN FULLY PAID AND CLOSED SINCE XXXX 2014. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"On both accounts reported, XXXX is showing a mortgage loan as being \" Open ''. This is false!! Account was closed, house was sold and foreclosure was cancelled and terminated. \n","text":"Company chooses not to provide a public response","context":": On both accounts reported, XXXX is showing a mortgage loan as being \" Open ''. This is false!! Account was closed, house was sold and foreclosure was cancelled and terminated. \n : Company chooses not to provide a public response"},{"Question":"This number calls me repeatedly every day. They do not leave messages and I have not received anything in the mail from them. They are harrassing me. I XXXX the phone number they tell me to call back and apparently its from XXXX???? and the company is sunrise services. \n","text":"Company chooses not to provide a public response","context":": This number calls me repeatedly every day. They do not leave messages and I have not received anything in the mail from them. They are harrassing me. I XXXX the phone number they tell me to call back and apparently its from XXXX???? and the company is sunrise services. \n : Company chooses not to provide a public response"},{"Question":"The name XXXX XXXX is not and never has been my name! \n","text":"Company chooses not to provide a public response","context":": The name XXXX XXXX is not and never has been my name! \n : Company chooses not to provide a public response"},{"Question":"The same debt was collected on by XXXX different company 's CITI hired and now we are having a hard time obtaining a refund on the XXXX. Please help assist us \n","text":"Company chooses not to provide a public response","context":": The same debt was collected on by XXXX different company 's CITI hired and now we are having a hard time obtaining a refund on the XXXX. Please help assist us \n : Company chooses not to provide a public response"},{"Question":"I get Va XXXX XXXX XXXX all payment come directly out of my bank account.. i do n't understand how i can be late,, my credit score was XXXX,, now it below that.. \n","text":"Company chooses not to provide a public response","context":": I get Va XXXX XXXX XXXX all payment come directly out of my bank account.. i do n't understand how i can be late,, my credit score was XXXX,, now it below that.. \n : Company chooses not to provide a public response"},{"Question":"The expiration date on a pre-paid card in my name passed and Citi Pre-Paid Card Services XXXX out the balance and will not issue a new card. \n","text":"Company chooses not to provide a public response","context":": The expiration date on a pre-paid card in my name passed and Citi Pre-Paid Card Services XXXX out the balance and will not issue a new card. \n : Company chooses not to provide a public response"},{"Question":"I TRIED TO ACCESS THE ANNUAL ONLINE CREDIT REPORT AND THE SECURITY QUESTIONS THEY ASKED DO NOT PERTAIN TO ME AND I DONT RECOGNIZE ANY OF THE QUESTIONS AT ALL.I ALSO TRIED TO GET REPORTS FROM EXPERIAN AND XXXX AND THE SECURITY QUESTIONS ARE ALSO UNRECOGNIZABLE TO ME.HOW CAN I FIX THIS? \n","text":"Company chooses not to provide a public response","context":": I TRIED TO ACCESS THE ANNUAL ONLINE CREDIT REPORT AND THE SECURITY QUESTIONS THEY ASKED DO NOT PERTAIN TO ME AND I DONT RECOGNIZE ANY OF THE QUESTIONS AT ALL.I ALSO TRIED TO GET REPORTS FROM EXPERIAN AND XXXX AND THE SECURITY QUESTIONS ARE ALSO UNRECOGNIZABLE TO ME.HOW CAN I FIX THIS? \n : Company chooses not to provide a public response"},{"Question":"This information was removed back in XXXX 2015 and then now, XXXX months later it is reappearing! \n","text":"Company chooses not to provide a public response","context":": This information was removed back in XXXX 2015 and then now, XXXX months later it is reappearing! \n : Company chooses not to provide a public response"},{"Question":"I was notified of a collection against my account with XXXX. This account has been closed for XXXX months. \n","text":"Company chooses not to provide a public response","context":": I was notified of a collection against my account with XXXX. This account has been closed for XXXX months. \n : Company chooses not to provide a public response"},{"Question":"there are derogatory accounts on my credit report that should have bebeen removed. \n","text":"Company chooses not to provide a public response","context":": there are derogatory accounts on my credit report that should have bebeen removed. \n : Company chooses not to provide a public response"},{"Question":"I received a copy of ChexSystems and noticed I have XXXX accounts that are not my accounts and I am being help accountable. \n","text":"Company chooses not to provide a public response","context":": I received a copy of ChexSystems and noticed I have XXXX accounts that are not my accounts and I am being help accountable. \n : Company chooses not to provide a public response"},{"Question":"XXXX have posted XXXX delinquent account on my credit that does not belong to me, the account belongs to my wife and she already paid it off, she just issued a card for me under her account so why they issued that on my credit,, \n","text":"Company chooses not to provide a public response","context":": XXXX have posted XXXX delinquent account on my credit that does not belong to me, the account belongs to my wife and she already paid it off, she just issued a card for me under her account so why they issued that on my credit,, \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am submitting a formal complaint about Experian \n","text":"Company chooses not to provide a public response","context":": I am submitting a formal complaint about Experian \n : Company chooses not to provide a public response"},{"Question":"We were charged for a recurring service by Experian that we never signed up for. Our account numbers are XXXX and XXXX. They refunded us for one month but two months of charges remain ( {$19.00} x XXXX people x XXXX months ) = approximately {$80.00} total \n","text":"Company chooses not to provide a public response","context":": We were charged for a recurring service by Experian that we never signed up for. Our account numbers are XXXX and XXXX. They refunded us for one month but two months of charges remain ( {$19.00} x XXXX people x XXXX months ) = approximately {$80.00} total \n : Company chooses not to provide a public response"},{"Question":"I have XXXX accounts on my credit report that are n't mine \n","text":"Company chooses not to provide a public response","context":": I have XXXX accounts on my credit report that are n't mine \n : Company chooses not to provide a public response"},{"Question":"Overcharging Fees on our checking account. In last 3 years maybe 4 at least {$8000.00} in fees and overdraft charges. \n","text":"Company chooses not to provide a public response","context":": Overcharging Fees on our checking account. In last 3 years maybe 4 at least {$8000.00} in fees and overdraft charges. \n : Company chooses not to provide a public response"},{"Question":"Recieved a call trying to collect on this debt but debt is not listed on credit report \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Recieved a call trying to collect on this debt but debt is not listed on credit report \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A lot of the info is seven years old and should not be highlightedThings like auto repossions and collections issues that had fall under my bankruptcyThat was filed last year XXXX and since have been DISCHARGED XXXX last yearI file chapter ( XXXX ) bankruptcy, \n","text":"Company chooses not to provide a public response","context":": A lot of the info is seven years old and should not be highlightedThings like auto repossions and collections issues that had fall under my bankruptcyThat was filed last year XXXX and since have been DISCHARGED XXXX last yearI file chapter ( XXXX ) bankruptcy, \n : Company chooses not to provide a public response"},{"Question":"CFPB Orders Bank Of America To Pay XXXX In Consumer Relief For Illegal Credit Card Practices, based on this settlement, Bank of America did not pay me any refunds, I had XXXX credit cards with them, XXXX opened on XX\/XX\/XXXX till last month and another XXXX opened XX\/XX\/XXXX, I think. \n","text":"Company chooses not to provide a public response","context":": CFPB Orders Bank Of America To Pay XXXX In Consumer Relief For Illegal Credit Card Practices, based on this settlement, Bank of America did not pay me any refunds, I had XXXX credit cards with them, XXXX opened on XX\/XX\/XXXX till last month and another XXXX opened XX\/XX\/XXXX, I think. \n : Company chooses not to provide a public response"},{"Question":"I was being charged for credit monitoring with out my consent from Citibank XX\/XX\/XXXX-XX\/XX\/XXXX. \n","text":"Company chooses not to provide a public response","context":": I was being charged for credit monitoring with out my consent from Citibank XX\/XX\/XXXX-XX\/XX\/XXXX. \n : Company chooses not to provide a public response"},{"Question":"There are XXXX accounts on here for a XXXX and XXXX for XXXX XXXX XXXXThe XXXX for XXXX state they are for parking tickets. I do not have any outstanding parking tickets. This information is falseAlso XXXX I have paid anything owed to them already so this should not be listed as well. \n","text":"Company chooses not to provide a public response","context":": There are XXXX accounts on here for a XXXX and XXXX for XXXX XXXX XXXXThe XXXX for XXXX state they are for parking tickets. I do not have any outstanding parking tickets. This information is falseAlso XXXX I have paid anything owed to them already so this should not be listed as well. \n : Company chooses not to provide a public response"},{"Question":"My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report \n","text":"Company disputes the facts presented in the complaint","context":": My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report \n : Company disputes the facts presented in the complaint"},{"Question":"I executed a cash for keys agreement with Greentree as part of the Deed-In-Lieu of foreclosure agreement. Now Greentree is unwilling to pay me the {$3000.00} amount that was agreed to by them. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I executed a cash for keys agreement with Greentree as part of the Deed-In-Lieu of foreclosure agreement. Now Greentree is unwilling to pay me the {$3000.00} amount that was agreed to by them. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"this bill was paid by my insurance at the time of service we have a statement paid, about 2 t0 3 years later we received a letter from this collection company say 's I owe the bill because the insurance wanted the money back \n","text":"Company chooses not to provide a public response","context":": this bill was paid by my insurance at the time of service we have a statement paid, about 2 t0 3 years later we received a letter from this collection company say 's I owe the bill because the insurance wanted the money back \n : Company chooses not to provide a public response"},{"Question":"THERE ARE INQUIRES ON MY CREDIT REPORT THATS NOT MINE \n","text":"Company can't verify or dispute the facts in the complaint","context":": THERE ARE INQUIRES ON MY CREDIT REPORT THATS NOT MINE \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I called my bank BOFA to ask for a new debit card as the one I have the magnetic strip seem to be worn. They told me that I have to pay {$5.00} to replace it because it is not expired as yet. Is this fair to ask a consumer to pay for a new debit card? \n","text":"Company chooses not to provide a public response","context":": I called my bank BOFA to ask for a new debit card as the one I have the magnetic strip seem to be worn. They told me that I have to pay {$5.00} to replace it because it is not expired as yet. Is this fair to ask a consumer to pay for a new debit card? \n : Company chooses not to provide a public response"},{"Question":"I have never been contacted by the company claiming the debt and I have never requested or contracted any services from them. I saw them on my Credit report and they have never attempted to contact me and will not respond to my demands for proof of debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have never been contacted by the company claiming the debt and I have never requested or contracted any services from them. I saw them on my Credit report and they have never attempted to contact me and will not respond to my demands for proof of debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"When my ex husband kicked me out of his house i lost all my personal information and he would n't give it to me and told me he could't find it. Then after a month i started getting att phone bills in my name and i never opened a att phone account. \n","text":"Company chooses not to provide a public response","context":": When my ex husband kicked me out of his house i lost all my personal information and he would n't give it to me and told me he could't find it. Then after a month i started getting att phone bills in my name and i never opened a att phone account. \n : Company chooses not to provide a public response"},{"Question":"Experian credit agency would not delete wrong information on my report. \n","text":"Company chooses not to provide a public response","context":": Experian credit agency would not delete wrong information on my report. \n : Company chooses not to provide a public response"},{"Question":"I was told this a pre trail intervention to call and avoid charges being filed for wire fraud and check fraud and a warrant will be filed for my arrest his name is XXXX XXXX phone # XXXX \n","text":"Company chooses not to provide a public response","context":": I was told this a pre trail intervention to call and avoid charges being filed for wire fraud and check fraud and a warrant will be filed for my arrest his name is XXXX XXXX phone # XXXX \n : Company chooses not to provide a public response"},{"Question":"Nothing has happen its been XXXX months and the bank is dragging no forthcoming of info just sit and wait. \n","text":"Company chooses not to provide a public response","context":": Nothing has happen its been XXXX months and the bank is dragging no forthcoming of info just sit and wait. \n : Company chooses not to provide a public response"},{"Question":"This information on my credit is not accurate and it not mine I do n't owe any Medical bill in 2013 for the amount XXXX $ Please take it out of my credit ASAP \n","text":"Company chooses not to provide a public response","context":": This information on my credit is not accurate and it not mine I do n't owe any Medical bill in 2013 for the amount XXXX $ Please take it out of my credit ASAP \n : Company chooses not to provide a public response"},{"Question":"XXXX 2014 unpaid for {$37.00} I have never had XXXX service in my life this is not mine please fix this problem \n","text":"Company chooses not to provide a public response","context":": XXXX 2014 unpaid for {$37.00} I have never had XXXX service in my life this is not mine please fix this problem \n : Company chooses not to provide a public response"},{"Question":"On my XXXX it shows Columbia recovery group has an open account in collections for me for XXXX XXXX apartments. The account was discharged and satisfied from bankruptcy. It is still open and affecting my credit score. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": On my XXXX it shows Columbia recovery group has an open account in collections for me for XXXX XXXX apartments. The account was discharged and satisfied from bankruptcy. It is still open and affecting my credit score. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"THERE IS XXXX INQUIRES ON MY CREDIT REPORT. AND WHEN I CALL BARCLAYS BANK DELAWARE THEY HAVE FAILED TO SEND ME PROOF THAT I MADE THE INQUIRES \n","text":"Company chooses not to provide a public response","context":": THERE IS XXXX INQUIRES ON MY CREDIT REPORT. AND WHEN I CALL BARCLAYS BANK DELAWARE THEY HAVE FAILED TO SEND ME PROOF THAT I MADE THE INQUIRES \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX has reported a current bankruptcy on my credit report. I filed bankruptcy in XXXX of 2003. It was a Chapter XXXX and should have been cleared from our credit history after XXXX years. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX has reported a current bankruptcy on my credit report. I filed bankruptcy in XXXX of 2003. It was a Chapter XXXX and should have been cleared from our credit history after XXXX years. \n : Company chooses not to provide a public response"},{"Question":"There is a wrong address on the Transunion credit report. I never lived at:XXXX XXXX XXXX XXXX XXXX XXXX NYXXXXPlease correct this information. \n\nThanks. \n\nXXXX XXXX \n","text":"Company chooses not to provide a public response","context":": There is a wrong address on the Transunion credit report. I never lived at:XXXX XXXX XXXX XXXX XXXX XXXX NYXXXXPlease correct this information. \n\nThanks. \n\nXXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I really do not know the contact info as it just appeared on my credit report. Who is XXXX XXXX? I applied for a position but was told after I arrived from Arizona that I would not be hired as a volunteer. So left as had no where to go. \n","text":"Company chooses not to provide a public response","context":": I really do not know the contact info as it just appeared on my credit report. Who is XXXX XXXX? I applied for a position but was told after I arrived from Arizona that I would not be hired as a volunteer. So left as had no where to go. \n : Company chooses not to provide a public response"},{"Question":"I received a letter on the XXXX of XXXX stating that I owed {$2000.00} to XXXX @ XXXX I do not know these people and do not owe anything.The collection agency is \" NCC BUSINESS SERVICE INC.Located at XXXX XXXX XXXX. XXXX XXXX, XXXX, fl.XXXX Phone number XXXX. \n","text":"Company chooses not to provide a public response","context":": I received a letter on the XXXX of XXXX stating that I owed {$2000.00} to XXXX @ XXXX I do not know these people and do not owe anything.The collection agency is \" NCC BUSINESS SERVICE INC.Located at XXXX XXXX XXXX. XXXX XXXX, XXXX, fl.XXXX Phone number XXXX. \n : Company chooses not to provide a public response"},{"Question":"The XXXX XXXX account being reported on my credit report has been settled and there is a XXXX balance. My experian report is not reflecting as such. I am in the process of buying a house and this discrepancy came up. I demand full deletion immediately. \n","text":"Company chooses not to provide a public response","context":": The XXXX XXXX account being reported on my credit report has been settled and there is a XXXX balance. My experian report is not reflecting as such. I am in the process of buying a house and this discrepancy came up. I demand full deletion immediately. \n : Company chooses not to provide a public response"},{"Question":"Credit Collection Service is collecting on a debt for XXXX insurance which was included in a Chapter XXXX Bankruptcy. This entry needs to be removed as it should have never been put on my credit report for collections. Again as stated before this is included in a Chapter XXXX \n","text":"Company disputes the facts presented in the complaint","context":": Credit Collection Service is collecting on a debt for XXXX insurance which was included in a Chapter XXXX Bankruptcy. This entry needs to be removed as it should have never been put on my credit report for collections. Again as stated before this is included in a Chapter XXXX \n : Company disputes the facts presented in the complaint"},{"Question":"XXXX charge off account verification. The original creditor was not able to provide any information regarding this account to me. Experian dispute responded as verified. I don not believe they correctly investigated this account \n","text":"Company chooses not to provide a public response","context":": XXXX charge off account verification. The original creditor was not able to provide any information regarding this account to me. Experian dispute responded as verified. I don not believe they correctly investigated this account \n : Company chooses not to provide a public response"},{"Question":"Stellar Recovery never contacted me about my debt or provided me with any information regarding the delinquent account they inherited from XXXX. I did not receive the notice of right to dispute. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Stellar Recovery never contacted me about my debt or provided me with any information regarding the delinquent account they inherited from XXXX. I did not receive the notice of right to dispute. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My account has been hacked into and i am not getting any real assistance in resolving this is the second time i have opened an account with them and since then i have had numerous fraudlent account opened. Bank of America \n","text":"Company chooses not to provide a public response","context":": My account has been hacked into and i am not getting any real assistance in resolving this is the second time i have opened an account with them and since then i have had numerous fraudlent account opened. Bank of America \n : Company chooses not to provide a public response"},{"Question":"Id like to file a consumer report. There is an error on my account and the company no longer has a hold on this account. \n","text":"Company chooses not to provide a public response","context":": Id like to file a consumer report. There is an error on my account and the company no longer has a hold on this account. \n : Company chooses not to provide a public response"},{"Question":"Paypal closed my accounts and they 're refusing to send me a check with my leftover money in both of my accounts. I have about $ 1000+ in there and they 're depriving me of getting my money back after they took action and closed my accounts on their own accord. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Paypal closed my accounts and they 're refusing to send me a check with my leftover money in both of my accounts. I have about $ 1000+ in there and they 're depriving me of getting my money back after they took action and closed my accounts on their own accord. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Integrated Services, contacted me at my home and on my personal cell phone about a debt owed by a family member. After telling them to longer call me at these numbers and that I have no business with them, they continue to call. They are calling from XXXX XXXX. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Integrated Services, contacted me at my home and on my personal cell phone about a debt owed by a family member. After telling them to longer call me at these numbers and that I have no business with them, they continue to call. They are calling from XXXX XXXX. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Names reported is wrong. Someone just misspelled my name. My name is XXXX XXXX XXXX but on my Transunion credit report it shows another person as XXXX. No XXXX at the end. This is not a XXXX person. Someone made a clerical error. \n","text":"Company chooses not to provide a public response","context":": Names reported is wrong. Someone just misspelled my name. My name is XXXX XXXX XXXX but on my Transunion credit report it shows another person as XXXX. No XXXX at the end. This is not a XXXX person. Someone made a clerical error. \n : Company chooses not to provide a public response"},{"Question":"XXXX is reporting an account an account that I had filed bankruptcy on as a collection account. XXXX XXXX XXXX report this account to all the XXXX credit report companies. Please investigate \n","text":"Company chooses not to provide a public response","context":": XXXX is reporting an account an account that I had filed bankruptcy on as a collection account. XXXX XXXX XXXX report this account to all the XXXX credit report companies. Please investigate \n : Company chooses not to provide a public response"},{"Question":"XXXX 2014 unpaid for {$37.00} I have never had any XXXX service in my life with this company Please fix this problem from my credit \n","text":"Company chooses not to provide a public response","context":": XXXX 2014 unpaid for {$37.00} I have never had any XXXX service in my life with this company Please fix this problem from my credit \n : Company chooses not to provide a public response"},{"Question":"Debt was charged off more than 4 years ago ( statue in california ). Debtor reported the activity to the 3 major credit bureau 's knowingly violating the law. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt was charged off more than 4 years ago ( statue in california ). Debtor reported the activity to the 3 major credit bureau 's knowingly violating the law. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They called here XXXX XXXX minutes apart from each other. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They called here XXXX XXXX minutes apart from each other. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Focus Receivables continues to make multiple robocalls each week to our home number for a debt that doesn't exist. We have no unpaid debts with any company.","text":"Company can't verify or dispute the facts in the complaint","context":": Focus Receivables continues to make multiple robocalls each week to our home number for a debt that doesn't exist. We have no unpaid debts with any company. : Company can't verify or dispute the facts in the complaint"},{"Question":"I purchased a new Cadillac Escalade in XXXX of 2006 and took out a loan through GMAC. The loan was paid in full, see attached title and pink slip but Ally Financial,. who bought GMAC, is showing on my credit report an outstanding balance of {$4200.00} \n","text":"Company chooses not to provide a public response","context":": I purchased a new Cadillac Escalade in XXXX of 2006 and took out a loan through GMAC. The loan was paid in full, see attached title and pink slip but Ally Financial,. who bought GMAC, is showing on my credit report an outstanding balance of {$4200.00} \n : Company chooses not to provide a public response"},{"Question":"Experian did not clearly explain why my dispute was not honored. Also, I was not able to upload attached dispute documents on Experian site. \n","text":"Company chooses not to provide a public response","context":": Experian did not clearly explain why my dispute was not honored. Also, I was not able to upload attached dispute documents on Experian site. \n : Company chooses not to provide a public response"},{"Question":"Citi bank has charged me for products they did not provide. \n","text":"Company chooses not to provide a public response","context":": Citi bank has charged me for products they did not provide. \n : Company chooses not to provide a public response"},{"Question":"Per my TransUnion letter dated XXXX\/XXXX\/2015, XXXX XXXX XXXX account # XXXX was deleted off my credit file. I pulled a new credit report on XXXX\/XXXX\/2015 and the XXXX XXXX is still being reported by TransUnion and affecting my scores negatively. This account has been closed and paid. \n","text":"Company chooses not to provide a public response","context":": Per my TransUnion letter dated XXXX\/XXXX\/2015, XXXX XXXX XXXX account # XXXX was deleted off my credit file. I pulled a new credit report on XXXX\/XXXX\/2015 and the XXXX XXXX is still being reported by TransUnion and affecting my scores negatively. This account has been closed and paid. \n : Company chooses not to provide a public response"},{"Question":"THE BUSINESS WESTLAKE FINANCIAL A CA ' COMPANY HAS NOT REPORTED MY ACCOUNT AS PROMISED \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": THE BUSINESS WESTLAKE FINANCIAL A CA ' COMPANY HAS NOT REPORTED MY ACCOUNT AS PROMISED \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Trans union is reporting XXXX has an open account with a balance of {$9100.00}. This is incorrect. This debt was discharged in bankruptcy XXXX XXXX, 2015. They do correctly show the bankruptcy but the account is closed with a zero balance. \n","text":"Company chooses not to provide a public response","context":": Trans union is reporting XXXX has an open account with a balance of {$9100.00}. This is incorrect. This debt was discharged in bankruptcy XXXX XXXX, 2015. They do correctly show the bankruptcy but the account is closed with a zero balance. \n : Company chooses not to provide a public response"},{"Question":"There is a collection listed that I do not agree with and requested several times validation and disputed with no actual evidence of what is being collected for and proof the debt is mine ( signed contract ). Can your agency help? \n","text":"Company disputes the facts presented in the complaint","context":": There is a collection listed that I do not agree with and requested several times validation and disputed with no actual evidence of what is being collected for and proof the debt is mine ( signed contract ). Can your agency help? \n : Company disputes the facts presented in the complaint"},{"Question":"Some individuals were receiving an offer for a free night stay at XXXX XXXX hotels. However, not everyone received it. The offer was not available for all card holders. \n\nXXXX \n","text":"Company chooses not to provide a public response","context":": Some individuals were receiving an offer for a free night stay at XXXX XXXX hotels. However, not everyone received it. The offer was not available for all card holders. \n\nXXXX \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Account was closed previously but lists as open on credit reports. \n","text":"Company chooses not to provide a public response","context":": Account was closed previously but lists as open on credit reports. \n : Company chooses not to provide a public response"},{"Question":"I am being collected upon for charges that have already been paid, as well as for charges that are not my responsibility. \n","text":"Company chooses not to provide a public response","context":": I am being collected upon for charges that have already been paid, as well as for charges that are not my responsibility. \n : Company chooses not to provide a public response"},{"Question":"Lost condo to foreclosure due to Suntrust failure to properly and timely process modification. \n","text":"Company chooses not to provide a public response","context":": Lost condo to foreclosure due to Suntrust failure to properly and timely process modification. \n : Company chooses not to provide a public response"},{"Question":"On my XXXX credit report. XXXX \/ child support has not been updated. Please update payment amount, due amount and payment history, amount is much lower now and I have made current payments for several years thank you \n","text":"Company chooses not to provide a public response","context":": On my XXXX credit report. XXXX \/ child support has not been updated. Please update payment amount, due amount and payment history, amount is much lower now and I have made current payments for several years thank you \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX agreed to remove all collections from the credit report and the reporting agency refused. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX agreed to remove all collections from the credit report and the reporting agency refused. \n : Company chooses not to provide a public response"},{"Question":"I received a letter from this company claiming that I owe them money and to my knowledge this company has never provided services to me or for me and I 've never entered into a contractual agreement to pay them for anything \n","text":"Company chooses not to provide a public response","context":": I received a letter from this company claiming that I owe them money and to my knowledge this company has never provided services to me or for me and I 've never entered into a contractual agreement to pay them for anything \n : Company chooses not to provide a public response"},{"Question":"fradulent \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": fradulent \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have paid for the same debt for XXXX in XXXX 2014 to XXXX debt collector. Now Ehnanced Recover Company is trying to continue to collect the debt wheich has bee paid in full. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have paid for the same debt for XXXX in XXXX 2014 to XXXX debt collector. Now Ehnanced Recover Company is trying to continue to collect the debt wheich has bee paid in full. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX # XXXX {$620.00} ... .i have contacted this collection agency and they can not verify this account as mine but it comes back as verified with transunion ... ... method of verification is wrong when i disputed this account ... \n","text":"Company chooses not to provide a public response","context":": XXXX # XXXX {$620.00} ... .i have contacted this collection agency and they can not verify this account as mine but it comes back as verified with transunion ... ... method of verification is wrong when i disputed this account ... \n : Company chooses not to provide a public response"},{"Question":"I have had to hire a lawyer because from day 1 when Greentree took over my loan from XXXX, I have yet to get a straight answer on what was owed, how much was owed, when it was due, etc. I need help! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have had to hire a lawyer because from day 1 when Greentree took over my loan from XXXX, I have yet to get a straight answer on what was owed, how much was owed, when it was due, etc. I need help! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have creditors that are time sensitive debts that are over ten years old and by Oregon state law it is my understanding they should no longer be on my credit report. What information can you provide me to help remove these creditors from my report? \n","text":"Company chooses not to provide a public response","context":": I have creditors that are time sensitive debts that are over ten years old and by Oregon state law it is my understanding they should no longer be on my credit report. What information can you provide me to help remove these creditors from my report? \n : Company chooses not to provide a public response"},{"Question":"I have been making current payments on this account for over 2 years and the balence is now much lower, would like this account updated \n","text":"Company chooses not to provide a public response","context":": I have been making current payments on this account for over 2 years and the balence is now much lower, would like this account updated \n : Company chooses not to provide a public response"},{"Question":"The account with The XXXX XXXX ( XXXX ) is not mine. It is someone else 's who added me to their account. I do not have a card nor have I ever used the credit. Therefore, any delay in the other person not paying their bill should not be added to my credit report. \n","text":"Company chooses not to provide a public response","context":": The account with The XXXX XXXX ( XXXX ) is not mine. It is someone else 's who added me to their account. I do not have a card nor have I ever used the credit. Therefore, any delay in the other person not paying their bill should not be added to my credit report. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX has my credit report as derogatory, yet the car was paid off, the last XXXX, via chapter XXXX and I then paid the last XXXX in XXXX bulk payment. Should the report state paid in full. It looks as if it was not paid off by me. Thank you \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX has my credit report as derogatory, yet the car was paid off, the last XXXX, via chapter XXXX and I then paid the last XXXX in XXXX bulk payment. Should the report state paid in full. It looks as if it was not paid off by me. Thank you \n : Company chooses not to provide a public response"},{"Question":"Check issued to Bonneville Collections in Utah. Check contained conditional endorsement & a full pay. The exact amount that was my credit report. They were contacted to report\/update they have refused since XXXX 2015. \n","text":"Company chooses not to provide a public response","context":": Check issued to Bonneville Collections in Utah. Check contained conditional endorsement & a full pay. The exact amount that was my credit report. They were contacted to report\/update they have refused since XXXX 2015. \n : Company chooses not to provide a public response"},{"Question":"I have notice the creditor have listed a negative that is placed for collection that is affecting my credit, I have reach out to all XXXX bureaus to have to have the item remove, please investigate the concerns so I can restore my livelihood \n","text":"Company chooses not to provide a public response","context":": I have notice the creditor have listed a negative that is placed for collection that is affecting my credit, I have reach out to all XXXX bureaus to have to have the item remove, please investigate the concerns so I can restore my livelihood \n : Company chooses not to provide a public response"},{"Question":"Derogative credit report but I never received or been called for collection service. Plus I paid thinking it will be removed but still here \n","text":"Company chooses not to provide a public response","context":": Derogative credit report but I never received or been called for collection service. Plus I paid thinking it will be removed but still here \n : Company chooses not to provide a public response"},{"Question":"wells fargo charged me over roughly XXXX dollars in charges. They also held a check up for {$890.00}. Then they closed an account without explanation so I can never recover my monies. \n","text":"Company chooses not to provide a public response","context":": wells fargo charged me over roughly XXXX dollars in charges. They also held a check up for {$890.00}. Then they closed an account without explanation so I can never recover my monies. \n : Company chooses not to provide a public response"},{"Question":"repeated unwanted phone calls \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": repeated unwanted phone calls \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The information was closed and reversed \n","text":"Company chooses not to provide a public response","context":": The information was closed and reversed \n : Company chooses not to provide a public response"},{"Question":"WellsFargo did not pay XXXX County property taxes on time. Due XXXX, and not fully paid until XXXX, and a lien placed causing now my credit report to look like I did not pay on-time when I was not fully notified. \n","text":"Company chooses not to provide a public response","context":": WellsFargo did not pay XXXX County property taxes on time. Due XXXX, and not fully paid until XXXX, and a lien placed causing now my credit report to look like I did not pay on-time when I was not fully notified. \n : Company chooses not to provide a public response"},{"Question":"WellsFargo did not pay my county taxes on time. They did not alert me that they 're may not have been sufficient funds in my escrow. This caused me to have my credit report show a lien placed which looks like I did not pay on time. \n","text":"Company chooses not to provide a public response","context":": WellsFargo did not pay my county taxes on time. They did not alert me that they 're may not have been sufficient funds in my escrow. This caused me to have my credit report show a lien placed which looks like I did not pay on time. \n : Company chooses not to provide a public response"},{"Question":"My condo lost XXXX of its value after 2008 and I now owe more than it is worth. \nI was happy to hear about HARP, only to learn that because my mortgage did not involve XXXX or XXXX XXXX I could not qualify. \nIs this right, and is it fair? \n","text":"Company chooses not to provide a public response","context":": My condo lost XXXX of its value after 2008 and I now owe more than it is worth. \nI was happy to hear about HARP, only to learn that because my mortgage did not involve XXXX or XXXX XXXX I could not qualify. \nIs this right, and is it fair? \n : Company chooses not to provide a public response"},{"Question":"Penfed credit card, which offers membership rewards for all the purchases has not been updating my rewards balance since XXXX of this year. I called them multiple times, but the issue still remains. \n","text":"Company chooses not to provide a public response","context":": Penfed credit card, which offers membership rewards for all the purchases has not been updating my rewards balance since XXXX of this year. I called them multiple times, but the issue still remains. \n : Company chooses not to provide a public response"},{"Question":"Paypal limited my account on XXXX XXXX, and would hold my cash balance of {$2700.00} for 180 days. And I was told this action was not appeable. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Paypal limited my account on XXXX XXXX, and would hold my cash balance of {$2700.00} for 180 days. And I was told this action was not appeable. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"THERE ARE UNKNOW INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": THERE ARE UNKNOW INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Been 90+ days and not a word, or fix I should say \n","text":"Company chooses not to provide a public response","context":": Been 90+ days and not a word, or fix I should say \n : Company chooses not to provide a public response"},{"Question":"My last payment for any derogatory account was XXXX 2008. \n","text":"Company chooses not to provide a public response","context":": My last payment for any derogatory account was XXXX 2008. \n : Company chooses not to provide a public response"},{"Question":"There has been an error on my credit report regarding a Chapter XXXX Bankruptcy on my credit and I have never filled Bankruptcy of any kind. \n","text":"Company chooses not to provide a public response","context":": There has been an error on my credit report regarding a Chapter XXXX Bankruptcy on my credit and I have never filled Bankruptcy of any kind. \n : Company chooses not to provide a public response"},{"Question":"I completed and returned the complaint form and they said they did n't receive it so I tried to call and could n't get a live administrator on the phone .My Name is XXXX XXXX and I can be reached at XXXX I would like to speak with someone about my participation complaint. \n","text":"Company chooses not to provide a public response","context":": I completed and returned the complaint form and they said they did n't receive it so I tried to call and could n't get a live administrator on the phone .My Name is XXXX XXXX and I can be reached at XXXX I would like to speak with someone about my participation complaint. \n : Company chooses not to provide a public response"},{"Question":"Transunion has my birthday wrong. \nAnd, I have a new employer that I would like added on. \nThank you. \n","text":"Company chooses not to provide a public response","context":": Transunion has my birthday wrong. \nAnd, I have a new employer that I would like added on. \nThank you. \n : Company chooses not to provide a public response"},{"Question":"Bank of America, after receiving certified funds ( Cashier 's Check ) to reinstate mortgage loan, cashed and then return the funds to me ( borrower ) and then wrongfully filed a Notice of Default. \nPlease see the attached documents for more detail. \n","text":"Company chooses not to provide a public response","context":": Bank of America, after receiving certified funds ( Cashier 's Check ) to reinstate mortgage loan, cashed and then return the funds to me ( borrower ) and then wrongfully filed a Notice of Default. \nPlease see the attached documents for more detail. \n : Company chooses not to provide a public response"},{"Question":"I received a denial for credit due to \" poor credit performance with a Wells Fargo credit card '' \n","text":"Company chooses not to provide a public response","context":": I received a denial for credit due to \" poor credit performance with a Wells Fargo credit card '' \n : Company chooses not to provide a public response"},{"Question":"Doctor billed the incorrect amount and after I refused to pay the incorrect amount, they sent to collections and is now on my credit report as an adverse account. The doctor has verified with my insurance company that the wrong amount was billed. \n","text":"Company chooses not to provide a public response","context":": Doctor billed the incorrect amount and after I refused to pay the incorrect amount, they sent to collections and is now on my credit report as an adverse account. The doctor has verified with my insurance company that the wrong amount was billed. \n : Company chooses not to provide a public response"},{"Question":"This bank of america card is over 10 years old and i have paid many thousands of dollars more than I have charged on this card. The interest rate is also very high. \n","text":"Company chooses not to provide a public response","context":": This bank of america card is over 10 years old and i have paid many thousands of dollars more than I have charged on this card. The interest rate is also very high. \n : Company chooses not to provide a public response"},{"Question":"There is a report from XXXX XXXX stating the balance is Unpaid and there is still a balance owed. It did go to a collection agency but I PAID it off and have a letter stating so. So the exact same INCORRECT information has been reported XXXX on my credit report. \n","text":"Company chooses not to provide a public response","context":": There is a report from XXXX XXXX stating the balance is Unpaid and there is still a balance owed. It did go to a collection agency but I PAID it off and have a letter stating so. So the exact same INCORRECT information has been reported XXXX on my credit report. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"The Citi bank credit card on my credit reports though in good status is not in my name! It is in the name of my live in companion but has nothing to do with me. He has had the acct for many years but it should not be on my credit records and would like it removed! \n","text":"Company chooses not to provide a public response","context":": The Citi bank credit card on my credit reports though in good status is not in my name! It is in the name of my live in companion but has nothing to do with me. He has had the acct for many years but it should not be on my credit records and would like it removed! \n : Company chooses not to provide a public response"},{"Question":"Student loans paid in full after default. However it is being reported negative by XXXX and XXXX for the same loans \n","text":"Company chooses not to provide a public response","context":": Student loans paid in full after default. However it is being reported negative by XXXX and XXXX for the same loans \n : Company chooses not to provide a public response"},{"Question":"I was in a loan modification for two years made payments on time and they did an escrow analysis. My payments went up and I could not afford my payments so I filed a chapter XXXX and the bank foreclosed when I was in an active chapter XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was in a loan modification for two years made payments on time and they did an escrow analysis. My payments went up and I could not afford my payments so I filed a chapter XXXX and the bank foreclosed when I was in an active chapter XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"NETSPEND CLAIM # XXXX AND ACCOUNT NUMBER # XXXX THEIR LETTER DATED XX\/XX\/2015 C\/0 THEIR FIRST LETTERXX\/XX\/2015 \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": NETSPEND CLAIM # XXXX AND ACCOUNT NUMBER # XXXX THEIR LETTER DATED XX\/XX\/2015 C\/0 THEIR FIRST LETTERXX\/XX\/2015 \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"mutiple duplicate items contained on my credit report \n","text":"Company chooses not to provide a public response","context":": mutiple duplicate items contained on my credit report \n : Company chooses not to provide a public response"},{"Question":"I am always on time with very good credit. I have cards with high limits. I had a Citibank best buy card that I never use w a low limi, they charged me a yearly fee I was unaware of and then reported me late. This dropped my score dramatically and is really hurting me!! \n","text":"Company chooses not to provide a public response","context":": I am always on time with very good credit. I have cards with high limits. I had a Citibank best buy card that I never use w a low limi, they charged me a yearly fee I was unaware of and then reported me late. This dropped my score dramatically and is really hurting me!! \n : Company chooses not to provide a public response"},{"Question":"This company contacted my cell phone at XXXX EST. DId n't leave a message and when I called it back thinking it was a number from someone I was expecting they say that they are closed and provided the website to make a payment. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This company contacted my cell phone at XXXX EST. DId n't leave a message and when I called it back thinking it was a number from someone I was expecting they say that they are closed and provided the website to make a payment. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The bank charged higher interest rate than the loan contract for two and half years. \n","text":"Company chooses not to provide a public response","context":": The bank charged higher interest rate than the loan contract for two and half years. \n : Company chooses not to provide a public response"},{"Question":"Used automated robocalls to call up to twice a day but usually once a day likely in violation of the Telephone Consumer Protection Act ( TCPA ) and FDCPA and local laws. \n","text":"Company chooses not to provide a public response","context":": Used automated robocalls to call up to twice a day but usually once a day likely in violation of the Telephone Consumer Protection Act ( TCPA ) and FDCPA and local laws. \n : Company chooses not to provide a public response"},{"Question":"They took off the collection account because they discovered it was n't mine and now XXXX of them are added on of the same thing that was disputed and removed. \n","text":"Company chooses not to provide a public response","context":": They took off the collection account because they discovered it was n't mine and now XXXX of them are added on of the same thing that was disputed and removed. \n : Company chooses not to provide a public response"},{"Question":"XXXX address and XXXX names listed under TransUnion credit report does not belong to me nor have I ever live there. Please assist! \n","text":"Company chooses not to provide a public response","context":": XXXX address and XXXX names listed under TransUnion credit report does not belong to me nor have I ever live there. Please assist! \n : Company chooses not to provide a public response"},{"Question":"XXXX and Transunion have reported this incorrectly. The statue of limitations in Ohio ( where the debt began ) has run. This needs to be taken off my credit report. \n","text":"Company chooses not to provide a public response","context":": XXXX and Transunion have reported this incorrectly. The statue of limitations in Ohio ( where the debt began ) has run. This needs to be taken off my credit report. \n : Company chooses not to provide a public response"},{"Question":"I called to file a complaint against a debt collector for XXXX XXXX Bank and received a email requesting additional information. I tried calling and got a message I was unable to leave a message. Can someone respond to this email. Thank you. \n\nXXXX XXXX XXXX, 2015 \n","text":"Company chooses not to provide a public response","context":": I called to file a complaint against a debt collector for XXXX XXXX Bank and received a email requesting additional information. I tried calling and got a message I was unable to leave a message. Can someone respond to this email. Thank you. \n\nXXXX XXXX XXXX, 2015 \n : Company chooses not to provide a public response"},{"Question":"I was victim of fraudulent activity XXXX times this year thus far. Someone stole my information and my credit was impacted ( i.e., triggered several derogatory activities on my credit reports ) \n","text":"Company chooses not to provide a public response","context":": I was victim of fraudulent activity XXXX times this year thus far. Someone stole my information and my credit was impacted ( i.e., triggered several derogatory activities on my credit reports ) \n : Company chooses not to provide a public response"},{"Question":"XXXX has been paid in full and XXXX who has the account has received the paper work that it is paid in full and was to remove it and it 's still on there need it look into checked and removed cause it 's been paid in full. XXXX has all the documents \n","text":"Company chooses not to provide a public response","context":": XXXX has been paid in full and XXXX who has the account has received the paper work that it is paid in full and was to remove it and it 's still on there need it look into checked and removed cause it 's been paid in full. XXXX has all the documents \n : Company chooses not to provide a public response"},{"Question":"I was looking at my credit report and saw an address in my personal information that I have never lived. It was XXXX XXXX XXXX XXXX XXXX XXXX, MA. I have never lived in XXXX at any time. \n","text":"Company chooses not to provide a public response","context":": I was looking at my credit report and saw an address in my personal information that I have never lived. It was XXXX XXXX XXXX XXXX XXXX XXXX, MA. I have never lived in XXXX at any time. \n : Company chooses not to provide a public response"},{"Question":"I contacted the credit reporting bureaus on XXXX XXXX, 2015 and till this day i have not heard back from any of them \n","text":"Company chooses not to provide a public response","context":": I contacted the credit reporting bureaus on XXXX XXXX, 2015 and till this day i have not heard back from any of them \n : Company chooses not to provide a public response"},{"Question":"I contacted the credit reporting bureaus on XXXX\/XXXX\/2015 and till this date i have not heard back from them. \n","text":"Company chooses not to provide a public response","context":": I contacted the credit reporting bureaus on XXXX\/XXXX\/2015 and till this date i have not heard back from them. \n : Company chooses not to provide a public response"},{"Question":"The Bank of America will not allow my daughter to be a co-trustee on a checking account. \n","text":"Company chooses not to provide a public response","context":": The Bank of America will not allow my daughter to be a co-trustee on a checking account. \n : Company chooses not to provide a public response"},{"Question":"Case number : XXXX are the papers to prove my statements and the lack of bank of America not taking them seriously, as evidenced in their reply to you. \n","text":"Company chooses not to provide a public response","context":": Case number : XXXX are the papers to prove my statements and the lack of bank of America not taking them seriously, as evidenced in their reply to you. \n : Company chooses not to provide a public response"},{"Question":"Repeated calls for debts incurred by a person named XXXX XXXX who has not resided or had my phone number for over a decade. \n\nThe most recent XXXX XXXX agency that calls sometimes as early as XXXX looking for the above person. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Repeated calls for debts incurred by a person named XXXX XXXX who has not resided or had my phone number for over a decade. \n\nThe most recent XXXX XXXX agency that calls sometimes as early as XXXX looking for the above person. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I wrote XXXX about this dispute, but got no response. \n","text":"Company disputes the facts presented in the complaint","context":": I wrote XXXX about this dispute, but got no response. \n : Company disputes the facts presented in the complaint"},{"Question":"Collection Information Bureau reports to the credit bureauan account for {$36.00} and {$70.00} unknown to methereby preventing me to get a mortgage and forcing me to pay the debt \n","text":"Company chooses not to provide a public response","context":": Collection Information Bureau reports to the credit bureauan account for {$36.00} and {$70.00} unknown to methereby preventing me to get a mortgage and forcing me to pay the debt \n : Company chooses not to provide a public response"},{"Question":"XXXX is reporting the account is closed. The reason the account is closed is I met the full requirements of the loan and paid it in full. I would like the credit report to reflect paid in full. \n","text":"Company chooses not to provide a public response","context":": XXXX is reporting the account is closed. The reason the account is closed is I met the full requirements of the loan and paid it in full. I would like the credit report to reflect paid in full. \n : Company chooses not to provide a public response"},{"Question":"I am refering to case number XXXX XXXX. The case was reviewed by the Mortage company and declined to offer a posible solution to avoid foreclosure. I disputed the response on XXXX\/XXXX\/15 with no other response. \n","text":"Company chooses not to provide a public response","context":": I am refering to case number XXXX XXXX. The case was reviewed by the Mortage company and declined to offer a posible solution to avoid foreclosure. I disputed the response on XXXX\/XXXX\/15 with no other response. \n : Company chooses not to provide a public response"},{"Question":"I am trying to pay one click cash their pays I agreed to pay monthly and I 'm having problems with them accepting it. \n","text":"Company disputes the facts presented in the complaint","context":": I am trying to pay one click cash their pays I agreed to pay monthly and I 'm having problems with them accepting it. \n : Company disputes the facts presented in the complaint"},{"Question":"Wells Fargo has apparently been charging us 4 times the escrow for an adjoining property for the last number of years. My wife was disconnected 4 times today the web site will not allow access. We can not get any traction with this lender for clarity or a resolution. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo has apparently been charging us 4 times the escrow for an adjoining property for the last number of years. My wife was disconnected 4 times today the web site will not allow access. We can not get any traction with this lender for clarity or a resolution. \n : Company chooses not to provide a public response"},{"Question":"i look at my credit report and it shows a report on exprian that still on there system but all other credit bureaus is not there and removed it because it was paid and and updated from please please please have them remove this incorrect report wish i have documents that i payed \n","text":"Company chooses not to provide a public response","context":": i look at my credit report and it shows a report on exprian that still on there system but all other credit bureaus is not there and removed it because it was paid and and updated from please please please have them remove this incorrect report wish i have documents that i payed \n : Company chooses not to provide a public response"},{"Question":"XXXX COURT XXXX FL. XXXX REFERENCE XXXX XXXX INFORMATION FOR LONG TIME I CALL THE COURT ABOUT A YEAR THEY THEY AGREED THAT IS NOT ME BUT NEVER CAME OF MY RECORDS \n","text":"Company chooses not to provide a public response","context":": XXXX COURT XXXX FL. XXXX REFERENCE XXXX XXXX INFORMATION FOR LONG TIME I CALL THE COURT ABOUT A YEAR THEY THEY AGREED THAT IS NOT ME BUT NEVER CAME OF MY RECORDS \n : Company chooses not to provide a public response"},{"Question":"the company Westlake financial is not reporting my creditthey received information that was needed on a joint applicantXXXX XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": the company Westlake financial is not reporting my creditthey received information that was needed on a joint applicantXXXX XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Have a DR using my name also a address in XXXX. I do n't know anything about these??? \n","text":"Company chooses not to provide a public response","context":": Have a DR using my name also a address in XXXX. I do n't know anything about these??? \n : Company chooses not to provide a public response"},{"Question":"I have tried to access my Experian report online and they have blocked me. I recently declared bankruptcy and need to make sure that all my items are reporting correctly and I can not. They do not let me access it at all. \n","text":"Company chooses not to provide a public response","context":": I have tried to access my Experian report online and they have blocked me. I recently declared bankruptcy and need to make sure that all my items are reporting correctly and I can not. They do not let me access it at all. \n : Company chooses not to provide a public response"},{"Question":"I did n't autorize XXXX, PR XXXX ( XXXX ) XXXXTo do a hard inquiry of my credit. \n","text":"Company chooses not to provide a public response","context":": I did n't autorize XXXX, PR XXXX ( XXXX ) XXXXTo do a hard inquiry of my credit. \n : Company chooses not to provide a public response"},{"Question":"Never lived at the address XXXX XXXX XXXX XXXX NJ XXXX. Never had the phone number XXXX. The correct phone number is XXXX \n","text":"Company chooses not to provide a public response","context":": Never lived at the address XXXX XXXX XXXX XXXX NJ XXXX. Never had the phone number XXXX. The correct phone number is XXXX \n : Company chooses not to provide a public response"},{"Question":"Experian claimed it was mailed to me on XXXX XXXX It has been over 2 months since I requested it.. \n","text":"Company chooses not to provide a public response","context":": Experian claimed it was mailed to me on XXXX XXXX It has been over 2 months since I requested it.. \n : Company chooses not to provide a public response"},{"Question":"This is an apartment I did not ever reside at. I had a house at that time and did not live at this apartment at all. My house address was XXXX XXXX XXXX, XXXX, Texas. \n","text":"Company chooses not to provide a public response","context":": This is an apartment I did not ever reside at. I had a house at that time and did not live at this apartment at all. My house address was XXXX XXXX XXXX, XXXX, Texas. \n : Company chooses not to provide a public response"},{"Question":"Continually harass my husband and I. I am a XXXX out until XXXX starts back XXXX XXXX and my husband is out on XXXX so we are unable to pay the loan. Keep asking us to borrow the money, call constantly, and are rude and threatening. \n","text":"Company chooses not to provide a public response","context":": Continually harass my husband and I. I am a XXXX out until XXXX starts back XXXX XXXX and my husband is out on XXXX so we are unable to pay the loan. Keep asking us to borrow the money, call constantly, and are rude and threatening. \n : Company chooses not to provide a public response"},{"Question":"I am writing t inform you that Barclays is not my account. I believe thatit is fraud. I want it removed from my record. \n","text":"Company chooses not to provide a public response","context":": I am writing t inform you that Barclays is not my account. I believe thatit is fraud. I want it removed from my record. \n : Company chooses not to provide a public response"},{"Question":"I am contesting CITI BANK FLEX ACCOUNT. It is not mine as such, I believe that it is fraud. \n","text":"Company chooses not to provide a public response","context":": I am contesting CITI BANK FLEX ACCOUNT. It is not mine as such, I believe that it is fraud. \n : Company chooses not to provide a public response"},{"Question":"I applied for a business loan with my wife who was the guarantor on it. She filed for bankruptcy in XXXX and discharged the loan. Now the loan is showing up on my credit and affecting my score, please take the loan out of my credit report. \nThanks, XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I applied for a business loan with my wife who was the guarantor on it. She filed for bankruptcy in XXXX and discharged the loan. Now the loan is showing up on my credit and affecting my score, please take the loan out of my credit report. \nThanks, XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Never have been a XXXX XXXX customer. I was at ahelter during the time they provided the servive in dispute. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Never have been a XXXX XXXX customer. I was at ahelter during the time they provided the servive in dispute. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This debt just showed up on my report, I believe back in XXXX 2015, I never heard of this company before, until now, I believe I am not responsible for this debt. I summited complaints with the credit bureau 's and have got no where. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This debt just showed up on my report, I believe back in XXXX 2015, I never heard of this company before, until now, I believe I am not responsible for this debt. I summited complaints with the credit bureau 's and have got no where. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I HAVE RECIVED LETTERS IN THE MAIL REGARDING A TAG FOR A CAR. STATING THE CAR TAGS ARE GOING TO EXPIRE AND THAT I HAVE TO RENEW. I DO N'T OWN A CAR. \n","text":"Company chooses not to provide a public response","context":": I HAVE RECIVED LETTERS IN THE MAIL REGARDING A TAG FOR A CAR. STATING THE CAR TAGS ARE GOING TO EXPIRE AND THAT I HAVE TO RENEW. I DO N'T OWN A CAR. \n : Company chooses not to provide a public response"},{"Question":"DID NOT RECIVE ANY SERVICE FROM THIS COMPANY. I WAS LIVING IN SHELTER AT THAT TIME. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": DID NOT RECIVE ANY SERVICE FROM THIS COMPANY. I WAS LIVING IN SHELTER AT THAT TIME. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I noticed that on a recent credit report, it had an address listed for me in XXXX where I had never lived, so I 'm not sure why this address is showing up on my credit report. \n","text":"Company chooses not to provide a public response","context":": I noticed that on a recent credit report, it had an address listed for me in XXXX where I had never lived, so I 'm not sure why this address is showing up on my credit report. \n : Company chooses not to provide a public response"},{"Question":"I did a background search on myself and realized that information that should have been removed has not. \nI provided the company with copies of my court order expungements. \nPlease see the attached documents. \n","text":"Company chooses not to provide a public response","context":": I did a background search on myself and realized that information that should have been removed has not. \nI provided the company with copies of my court order expungements. \nPlease see the attached documents. \n : Company chooses not to provide a public response"},{"Question":"I have not had an account with XXXX since XX\/XX\/XXXX. This account was in collections in XX\/XX\/XXXX. Suddenly, it is being reported as opened in XX\/XX\/XXXX. \n","text":"Company chooses not to provide a public response","context":": I have not had an account with XXXX since XX\/XX\/XXXX. This account was in collections in XX\/XX\/XXXX. Suddenly, it is being reported as opened in XX\/XX\/XXXX. \n : Company chooses not to provide a public response"},{"Question":"XXXX of the addresses that show up on my TransUnion report are inaccurate. \n","text":"Company chooses not to provide a public response","context":": XXXX of the addresses that show up on my TransUnion report are inaccurate. \n : Company chooses not to provide a public response"},{"Question":"that debt did not belong to me, to my understanding the car was paid off but somehow its still showing on my credit, please take that off of my credit it is effecting my credit score \n","text":"Company chooses not to provide a public response","context":": that debt did not belong to me, to my understanding the car was paid off but somehow its still showing on my credit, please take that off of my credit it is effecting my credit score \n : Company chooses not to provide a public response"},{"Question":"TransUnion reported an open balance of {$160.00} from XXXX 2013. It has been paid over a year ago but it still shows as open. \n","text":"Company chooses not to provide a public response","context":": TransUnion reported an open balance of {$160.00} from XXXX 2013. It has been paid over a year ago but it still shows as open. \n : Company chooses not to provide a public response"},{"Question":"I recently noticed an entry on my credit report from \" XXXX XXXX XXXX XXXX ''. On XX\/XX\/2015, I sent a certified letter requesting validation. I have n't received a valid response. On XX\/XX\/2015, I sent a letter to TransUnion, disputing this entry. TransUnion \" Verified ''. \n","text":"Company chooses not to provide a public response","context":": I recently noticed an entry on my credit report from \" XXXX XXXX XXXX XXXX ''. On XX\/XX\/2015, I sent a certified letter requesting validation. I have n't received a valid response. On XX\/XX\/2015, I sent a letter to TransUnion, disputing this entry. TransUnion \" Verified ''. \n : Company chooses not to provide a public response"},{"Question":"I never live in XXXX new York or XXXX XXXX in XXXX mass I think some one using my information \n","text":"Company chooses not to provide a public response","context":": I never live in XXXX new York or XXXX XXXX in XXXX mass I think some one using my information \n : Company chooses not to provide a public response"},{"Question":"Although I received a letter from Green Tree ( see attached ) saying that all calls on this account have been stopped, I received a call at my work on XXXX\/XXXX\/15 at XXXX. This is unacceptable. \n","text":"Company believes complaint is the result of an isolated error","context":": Although I received a letter from Green Tree ( see attached ) saying that all calls on this account have been stopped, I received a call at my work on XXXX\/XXXX\/15 at XXXX. This is unacceptable. \n : Company believes complaint is the result of an isolated error"},{"Question":"I paid this debt almost a year ago and it is showing up on my credit report still. \n","text":"Company chooses not to provide a public response","context":": I paid this debt almost a year ago and it is showing up on my credit report still. \n : Company chooses not to provide a public response"},{"Question":"Several times I disputed this account with nothing updated. My auto loan with XXXX is being paid as agreed. I have attached payment history and my account is current. Please help assist me. \n","text":"Company chooses not to provide a public response","context":": Several times I disputed this account with nothing updated. My auto loan with XXXX is being paid as agreed. I have attached payment history and my account is current. Please help assist me. \n : Company chooses not to provide a public response"},{"Question":"Contacted me many time with my number but did just left a general message stating to please call RGS. They did not even mention who they are looking for. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Contacted me many time with my number but did just left a general message stating to please call RGS. They did not even mention who they are looking for. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I been in bankruptcy since 2009 and this debit is XXXX years old and collection calls XXXX time a day \n","text":"Company can't verify or dispute the facts in the complaint","context":": I been in bankruptcy since 2009 and this debit is XXXX years old and collection calls XXXX time a day \n : Company can't verify or dispute the facts in the complaint"},{"Question":"They never informed me I had a right to dispute. I requested verification of debt and never received it. They continue to call me and say they will continue to attempt to recover debt that can not be verified. \n","text":"Company chooses not to provide a public response","context":": They never informed me I had a right to dispute. I requested verification of debt and never received it. They continue to call me and say they will continue to attempt to recover debt that can not be verified. \n : Company chooses not to provide a public response"},{"Question":"In XXXX 2015, I disputed an auto loan with First Investors Financial ( CFPB dispute XXXX ). On XXXX XXXX, I received an alert that this account has been updated with a XXXX day late on my credit reports. Since XXXX 2015, this account was reporting paid as agreed, no lates. \n","text":"Company chooses not to provide a public response","context":": In XXXX 2015, I disputed an auto loan with First Investors Financial ( CFPB dispute XXXX ). On XXXX XXXX, I received an alert that this account has been updated with a XXXX day late on my credit reports. Since XXXX 2015, this account was reporting paid as agreed, no lates. \n : Company chooses not to provide a public response"},{"Question":"This is no my account \n","text":"Company chooses not to provide a public response","context":": This is no my account \n : Company chooses not to provide a public response"},{"Question":"I sent this company a letter requesting debt validation in XXXX, this company never responded to my request. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I sent this company a letter requesting debt validation in XXXX, this company never responded to my request. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have disputed with Experian before and they have reinserted an account that is not mine. XXXX XXXX XXXX was removed in XX\/XX\/XXXX and was reinserted back on my report on XX\/XX\/XXXX this is not lawful to me as a consumer this must be deleted. \n","text":"Company chooses not to provide a public response","context":": I have disputed with Experian before and they have reinserted an account that is not mine. XXXX XXXX XXXX was removed in XX\/XX\/XXXX and was reinserted back on my report on XX\/XX\/XXXX this is not lawful to me as a consumer this must be deleted. \n : Company chooses not to provide a public response"},{"Question":"I have a Paypal account where I have funds. Suddenly, Paypal sent a notice that my account is limited and that I can not withdraw my own funds. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have a Paypal account where I have funds. Suddenly, Paypal sent a notice that my account is limited and that I can not withdraw my own funds. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My mother passed away this week and with that I found out that she had taken credit cards out in my name.I did not know about these cards until this week. I have no way of accessing these accounts and do n't even know where these cards are. \n","text":"Company chooses not to provide a public response","context":": My mother passed away this week and with that I found out that she had taken credit cards out in my name.I did not know about these cards until this week. I have no way of accessing these accounts and do n't even know where these cards are. \n : Company chooses not to provide a public response"},{"Question":"Enhanced Recovery Company is trying to collect a debt that was already deemed invalid and removed from my credit report by another collection company, XXXX XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Enhanced Recovery Company is trying to collect a debt that was already deemed invalid and removed from my credit report by another collection company, XXXX XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"{$810.00} was fraudulently charged on my XXXX XXXX prepaid visa. They will not give me a provisional credit. I 'm a single mom on a tight budget. \n","text":"Company chooses not to provide a public response","context":": {$810.00} was fraudulently charged on my XXXX XXXX prepaid visa. They will not give me a provisional credit. I 'm a single mom on a tight budget. \n : Company chooses not to provide a public response"},{"Question":"I have funds in my Paypal account. Suddenly, Paypal limited my account and I am no longer able to access my own funds. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have funds in my Paypal account. Suddenly, Paypal limited my account and I am no longer able to access my own funds. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"collection agency has called repeatedly to collect a debt that is not mine. the agent has threatened to come to my place of employment to collect should i not provide payment immediately. at times has left voicemails identifying themselves as a 'goverment agency ' or court clerk. \n","text":"Company disputes the facts presented in the complaint","context":": collection agency has called repeatedly to collect a debt that is not mine. the agent has threatened to come to my place of employment to collect should i not provide payment immediately. at times has left voicemails identifying themselves as a 'goverment agency ' or court clerk. \n : Company disputes the facts presented in the complaint"},{"Question":"The Cash Store - Lender is harassing my husband in phone calls. Cloning a phone number from the county attorney. Claims to be a process server from the county and tells my husband he either needs to pay {$5000.00} that day or be sued. Gets very ugly and argumentative. \n","text":"Company chooses not to provide a public response","context":": The Cash Store - Lender is harassing my husband in phone calls. Cloning a phone number from the county attorney. Claims to be a process server from the county and tells my husband he either needs to pay {$5000.00} that day or be sued. Gets very ugly and argumentative. \n : Company chooses not to provide a public response"},{"Question":"XXXX refuses to remove a 30 day late from my credit report even though I have shown a copy of my bank statement showing they were paid on time. \n","text":"Company chooses not to provide a public response","context":": XXXX refuses to remove a 30 day late from my credit report even though I have shown a copy of my bank statement showing they were paid on time. \n : Company chooses not to provide a public response"},{"Question":"This credit card account is just now coming to my attention. I did not open a credit card through XXXX bank based out of Nevada at any point. \n","text":"Company chooses not to provide a public response","context":": This credit card account is just now coming to my attention. I did not open a credit card through XXXX bank based out of Nevada at any point. \n : Company chooses not to provide a public response"},{"Question":"i am paying weekly payments through direct deposit from my bank for about a month now on a XXXX dollar loan, yet my payoff amount due is still higher than the original amount I received \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i am paying weekly payments through direct deposit from my bank for about a month now on a XXXX dollar loan, yet my payoff amount due is still higher than the original amount I received \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Transunion lists a {$300.00} claim under collection by XXXX XXXX XXXX ( XXXX ). \nThis is listed incorrectly as I paid it in full and XXXX is aware of this. Obviously, my credit score is lower with Transunion than it should be and I need this corrected. \n","text":"Company chooses not to provide a public response","context":": Transunion lists a {$300.00} claim under collection by XXXX XXXX XXXX ( XXXX ). \nThis is listed incorrectly as I paid it in full and XXXX is aware of this. Obviously, my credit score is lower with Transunion than it should be and I need this corrected. \n : Company chooses not to provide a public response"},{"Question":"how can a disputed claim be taken off my credit report then a month later just put back on again???? \n","text":"Company chooses not to provide a public response","context":": how can a disputed claim be taken off my credit report then a month later just put back on again???? \n : Company chooses not to provide a public response"},{"Question":"was removed after it was challenged and was later put back on report \n","text":"Company chooses not to provide a public response","context":": was removed after it was challenged and was later put back on report \n : Company chooses not to provide a public response"},{"Question":"I have submitted numerous requests for verification of my accounts with XXXX XXXX XXXX, and Experian, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately. \n","text":"Company chooses not to provide a public response","context":": I have submitted numerous requests for verification of my accounts with XXXX XXXX XXXX, and Experian, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately. \n : Company chooses not to provide a public response"},{"Question":"I have asked XXXX XXXX XXXX 3 times not to call my work # but they continue to call me daily. I have not answered the last couple times. I risk facing disciplinary action from my employer for personal phone calls or avoiding incoming calls. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I have asked XXXX XXXX XXXX 3 times not to call my work # but they continue to call me daily. I have not answered the last couple times. I risk facing disciplinary action from my employer for personal phone calls or avoiding incoming calls. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I have submitted numerous requests for verification of my accounts with XXXX Trans Union, and XXXX, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately. \n","text":"Company chooses not to provide a public response","context":": I have submitted numerous requests for verification of my accounts with XXXX Trans Union, and XXXX, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately. \n : Company chooses not to provide a public response"},{"Question":"Hunter Warfield has falsely placed a derogatory on my credit report for an account I had already settled with them. After calling, they had agreed to file a request for deletion with the XXXX credit agencies, however they have not done so. \n","text":"Company believes complaint represents an opportunity for improvement to better serve consumers","context":": Hunter Warfield has falsely placed a derogatory on my credit report for an account I had already settled with them. After calling, they had agreed to file a request for deletion with the XXXX credit agencies, however they have not done so. \n : Company believes complaint represents an opportunity for improvement to better serve consumers"},{"Question":"Because of a bedbug problem that they had. The agreement was we where to get out by XXXX XXXX 2014. We where out as agreed. The judgment was Vacated. WE lived in torture the whole time there. They voided there lease and we agreed to get out. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Because of a bedbug problem that they had. The agreement was we where to get out by XXXX XXXX 2014. We where out as agreed. The judgment was Vacated. WE lived in torture the whole time there. They voided there lease and we agreed to get out. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"An account XXXX # XXXX that the XXXX has been over 7-8 years is still listed on my personal credit file. Please remove as there is a statute of limitations. \n","text":"Company chooses not to provide a public response","context":": An account XXXX # XXXX that the XXXX has been over 7-8 years is still listed on my personal credit file. Please remove as there is a statute of limitations. \n : Company chooses not to provide a public response"},{"Question":"XXXX for XXXX dollars account is closed and confirmed by a company representative. Paid off \n","text":"Company chooses not to provide a public response","context":": XXXX for XXXX dollars account is closed and confirmed by a company representative. Paid off \n : Company chooses not to provide a public response"},{"Question":"I believe I have Genesis loans from Corinthian Colleges and would like to know if they were included in the CFPB settlement. \nName : XXXX College - XXXXAddress : XXXX XXXX XXXX. XXXX XXXX, CA XXXX \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I believe I have Genesis loans from Corinthian Colleges and would like to know if they were included in the CFPB settlement. \nName : XXXX College - XXXXAddress : XXXX XXXX XXXX. XXXX XXXX, CA XXXX \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"XXXX, XXXX, XXXXThe name above is on my credit report and that is not me. \n","text":"Company chooses not to provide a public response","context":": XXXX, XXXX, XXXXThe name above is on my credit report and that is not me. \n : Company chooses not to provide a public response"},{"Question":"Someone opened a credit card under my account that I did not approve of. \n","text":"Company chooses not to provide a public response","context":": Someone opened a credit card under my account that I did not approve of. \n : Company chooses not to provide a public response"},{"Question":"I cancelled this before 30 days - they failed to deliver and I paid XXXX for a month of this account. I told them and they cancelled this service. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I cancelled this before 30 days - they failed to deliver and I paid XXXX for a month of this account. I told them and they cancelled this service. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Dillards account was opened without my knowledge. \n","text":"Company chooses not to provide a public response","context":": Dillards account was opened without my knowledge. \n : Company chooses not to provide a public response"},{"Question":"I have some inaccurate information on my credit history. I haveaddress changes that do n't apply. And I have never changed myname. \n","text":"Company chooses not to provide a public response","context":": I have some inaccurate information on my credit history. I haveaddress changes that do n't apply. And I have never changed myname. \n : Company chooses not to provide a public response"},{"Question":"I have no idea where or who this XXXX XXXX came from because I have never been nor do I know who this XXXX XXXX person is!!!.??? \n","text":"Company chooses not to provide a public response","context":": I have no idea where or who this XXXX XXXX came from because I have never been nor do I know who this XXXX XXXX person is!!!.??? \n : Company chooses not to provide a public response"},{"Question":"I reviewed my Chex Systems consumer report and there are fraudulent and unauthorized inquiries listed on my consumer report. The following inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I reviewed my Chex Systems consumer report and there are fraudulent and unauthorized inquiries listed on my consumer report. The following inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Someone opened up a credit card on my account that I did not approve of. \n","text":"Company chooses not to provide a public response","context":": Someone opened up a credit card on my account that I did not approve of. \n : Company chooses not to provide a public response"},{"Question":"Transunion has an old charged off XXXX credit card on my credit report. The account was last reported in XXXX\/XXXX\/2007 with a balance of {$790.00} which makes it over the 7 years. \n","text":"Company chooses not to provide a public response","context":": Transunion has an old charged off XXXX credit card on my credit report. The account was last reported in XXXX\/XXXX\/2007 with a balance of {$790.00} which makes it over the 7 years. \n : Company chooses not to provide a public response"},{"Question":"Got a bill from credit collection agency called to dispute the amount. They added {$100.00} to the bill. The original amount being {$550.00} \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Got a bill from credit collection agency called to dispute the amount. They added {$100.00} to the bill. The original amount being {$550.00} \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I have sent dispute letters to the listed organizations on the Experian report, but none of them VAL : IDATE the alleged debt. \nAfter the Default notices sent to above organizations, I sent letters to Experian, but no response so far. \n","text":"Company chooses not to provide a public response","context":": I have sent dispute letters to the listed organizations on the Experian report, but none of them VAL : IDATE the alleged debt. \nAfter the Default notices sent to above organizations, I sent letters to Experian, but no response so far. \n : Company chooses not to provide a public response"},{"Question":"This account was including in a chapter XXXX bankruptcy in XX\/XX\/XXXX and was discharge in XX\/XX\/XXXX. They repossession the car and sold it. \n","text":"Company can't verify or dispute the facts in the complaint","context":": This account was including in a chapter XXXX bankruptcy in XX\/XX\/XXXX and was discharge in XX\/XX\/XXXX. They repossession the car and sold it. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Trans Union sent a dispute to the creditor XXXX XXXX XXXX Credti Union XXXX and the creditor did not correct the issue on my credit report. I also had sent in documents to prove that the loan on my auto did get paid in full. \n","text":"Company chooses not to provide a public response","context":": Trans Union sent a dispute to the creditor XXXX XXXX XXXX Credti Union XXXX and the creditor did not correct the issue on my credit report. I also had sent in documents to prove that the loan on my auto did get paid in full. \n : Company chooses not to provide a public response"},{"Question":"The account XXXX has been paid. it should no longer appear as active. \n","text":"Company chooses not to provide a public response","context":": The account XXXX has been paid. it should no longer appear as active. \n : Company chooses not to provide a public response"},{"Question":"APPLIED FOR PAYDAY LOAN FROM WHITE HILLS CASH AND XXXX BOTH COMPANIES HAVE CHARGED OUTRAGIOUS INTEREST RATES. UNABLE TO PAY THESE. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": APPLIED FOR PAYDAY LOAN FROM WHITE HILLS CASH AND XXXX BOTH COMPANIES HAVE CHARGED OUTRAGIOUS INTEREST RATES. UNABLE TO PAY THESE. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have an inquiry on my credit report that i have been disputing for several months. I have asked for proof that I submitted for credit and nothing has been provided to me. I do not recall applying for credit and the company has responded with nothing to supply to me. \n","text":"Company chooses not to provide a public response","context":": I have an inquiry on my credit report that i have been disputing for several months. I have asked for proof that I submitted for credit and nothing has been provided to me. I do not recall applying for credit and the company has responded with nothing to supply to me. \n : Company chooses not to provide a public response"},{"Question":"I have an inquiry on my credit that is not mine. I never applied for credit with this company and no proof through my investigations has been provided. Company fails to respond. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have an inquiry on my credit that is not mine. I never applied for credit with this company and no proof through my investigations has been provided. Company fails to respond. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The credit cards was NEVER RECEIVED I informed CONTINENTAL FINANCE..they were supposed to cancel the card.. but they reported a delinquent amount with the credit bureaus. \n","text":"Company chooses not to provide a public response","context":": The credit cards was NEVER RECEIVED I informed CONTINENTAL FINANCE..they were supposed to cancel the card.. but they reported a delinquent amount with the credit bureaus. \n : Company chooses not to provide a public response"},{"Question":"Unable to complete dispute on Transunion site. Credit card charge off is not mine and I did not apply for it. It belonged to ex spouse and is part of her bankruptcy claim. \n","text":"Company chooses not to provide a public response","context":": Unable to complete dispute on Transunion site. Credit card charge off is not mine and I did not apply for it. It belonged to ex spouse and is part of her bankruptcy claim. \n : Company chooses not to provide a public response"},{"Question":"A joint best buy account in 2009 was closed and charged off. It currently says open and in collections. This debt was settled. \n","text":"Company chooses not to provide a public response","context":": A joint best buy account in 2009 was closed and charged off. It currently says open and in collections. This debt was settled. \n : Company chooses not to provide a public response"},{"Question":"My brother 's activities are showing up in my TransUnion credit report and possibly my activities are showing up in my brother 's credit report. Called to resolve the issue but was not successful. \n","text":"Company chooses not to provide a public response","context":": My brother 's activities are showing up in my TransUnion credit report and possibly my activities are showing up in my brother 's credit report. Called to resolve the issue but was not successful. \n : Company chooses not to provide a public response"},{"Question":"Tried to get free credit report and it stated that I requested report on XXXX\/XXXX\/15 which I did not \n","text":"Company chooses not to provide a public response","context":": Tried to get free credit report and it stated that I requested report on XXXX\/XXXX\/15 which I did not \n : Company chooses not to provide a public response"},{"Question":"I am trying to access my credit report online, but I am getting an unable to complete your request error. Transunion is denying me access to my account because I religiously check my credit report after a credit denial. I can not get ahold of a real person to fix the problem. \n","text":"Company chooses not to provide a public response","context":": I am trying to access my credit report online, but I am getting an unable to complete your request error. Transunion is denying me access to my account because I religiously check my credit report after a credit denial. I can not get ahold of a real person to fix the problem. \n : Company chooses not to provide a public response"},{"Question":"My TransUnion account is showing a \" new employer '' on my list that I do not work for. I have had the same job for years, nothing new should be appearing. \n","text":"Company chooses not to provide a public response","context":": My TransUnion account is showing a \" new employer '' on my list that I do not work for. I have had the same job for years, nothing new should be appearing. \n : Company chooses not to provide a public response"},{"Question":"Experian is reporting fraudulent inquires on my credit from companies listedXX\/XX\/XXXX XXXX AND XXXXXX\/XX\/XXXX XXXXXX\/XX\/XXXX XXXX SHOWS XXXXXX\/XX\/XXXX XXXXXX\/XX\/XXXX XXXXXX\/XX\/XXXX XXXX \/ XXXX XXXXXX\/XX\/XXXX XXXX XXXXXX\/XX\/XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": Experian is reporting fraudulent inquires on my credit from companies listedXX\/XX\/XXXX XXXX AND XXXXXX\/XX\/XXXX XXXXXX\/XX\/XXXX XXXX SHOWS XXXXXX\/XX\/XXXX XXXXXX\/XX\/XXXX XXXXXX\/XX\/XXXX XXXX \/ XXXX XXXXXX\/XX\/XXXX XXXX XXXXXX\/XX\/XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I had a bankruptcy more than 15 years ago. It has not been taken off my credit report as it should be after so many years. \n","text":"Company chooses not to provide a public response","context":": I had a bankruptcy more than 15 years ago. It has not been taken off my credit report as it should be after so many years. \n : Company chooses not to provide a public response"},{"Question":"The Bank discriminately closing, denying account access and being denied opportunity to open a small business account pursuant 42 U.S. Code 1983 and 15 U.S. Code 1691 ( d ). \n","text":"Company chooses not to provide a public response","context":": The Bank discriminately closing, denying account access and being denied opportunity to open a small business account pursuant 42 U.S. Code 1983 and 15 U.S. Code 1691 ( d ). \n : Company chooses not to provide a public response"},{"Question":"This debt was settled with the exact same debt collection agency yet they reinserted the debt back onto my credit report after it had been taken off. This is becoming insane. \n","text":"Company chooses not to provide a public response","context":": This debt was settled with the exact same debt collection agency yet they reinserted the debt back onto my credit report after it had been taken off. This is becoming insane. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX center removed XXXX collection accounts but it is back on my credit report. Those XXXX accounts should have never been on my credit report. I had insurance at the time and I was not there on the day they claim. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX center removed XXXX collection accounts but it is back on my credit report. Those XXXX accounts should have never been on my credit report. I had insurance at the time and I was not there on the day they claim. \n : Company chooses not to provide a public response"},{"Question":"I paid off this bill but it is still in collections. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I paid off this bill but it is still in collections. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have negative marks on my report that I believe have been satisfied. This has disqualified me for a loan. I need and would like to have my credit history updated, XXXX XXXXXXXXXXXX \n","text":"Company chooses not to provide a public response","context":": I have negative marks on my report that I believe have been satisfied. This has disqualified me for a loan. I need and would like to have my credit history updated, XXXX XXXXXXXXXXXX \n : Company chooses not to provide a public response"},{"Question":"Opened checking account with Wells Fargo. Noticed {$20.00} charge on the account. Inquiry showed that they sent me checks, which I did n't order. When I complained about that they refused to refund the fee. \n","text":"Company chooses not to provide a public response","context":": Opened checking account with Wells Fargo. Noticed {$20.00} charge on the account. Inquiry showed that they sent me checks, which I did n't order. When I complained about that they refused to refund the fee. \n : Company chooses not to provide a public response"},{"Question":"XXXX and Experian Credit reporting bureau continues to report inaccurate and outdated information on my credit report. \n","text":"Company chooses not to provide a public response","context":": XXXX and Experian Credit reporting bureau continues to report inaccurate and outdated information on my credit report. \n : Company chooses not to provide a public response"},{"Question":"Outdated information and negative old medical collection accounts continued to be report by XXXX despite payments made in full. \n","text":"Company chooses not to provide a public response","context":": Outdated information and negative old medical collection accounts continued to be report by XXXX despite payments made in full. \n : Company chooses not to provide a public response"},{"Question":"I called XXXX about a outstanding credit matter, they refered me to attorney XXXX i contacted them on this matter they said this matter was closed XXXX 2014 but its still showing up on my credit report I need this matter resolved as soon as possible \n","text":"Company chooses not to provide a public response","context":": I called XXXX about a outstanding credit matter, they refered me to attorney XXXX i contacted them on this matter they said this matter was closed XXXX 2014 but its still showing up on my credit report I need this matter resolved as soon as possible \n : Company chooses not to provide a public response"},{"Question":"This debt is 5 years old from date of the last activity with the credit grantor. It is showing current when it is old. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": This debt is 5 years old from date of the last activity with the credit grantor. It is showing current when it is old. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I am XXXX, I request reasonable accommodation to submit past medical bills to my insurer ( medicaid medicare ) for full payment, I can not understand the process, thankyou \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am XXXX, I request reasonable accommodation to submit past medical bills to my insurer ( medicaid medicare ) for full payment, I can not understand the process, thankyou \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Information was disputed but the company needs more than 30 days! I do not understand why I have to wait addition days of 45 to 60 days before my credit report is updated. \n","text":"Company chooses not to provide a public response","context":": Information was disputed but the company needs more than 30 days! I do not understand why I have to wait addition days of 45 to 60 days before my credit report is updated. \n : Company chooses not to provide a public response"},{"Question":"Called me at XXXX. I have the record on my phone. I am taking my daughter to school at that time. You are not allowed to talk on cellphone and drive in the State of Texas. \n","text":"Company chooses not to provide a public response","context":": Called me at XXXX. I have the record on my phone. I am taking my daughter to school at that time. You are not allowed to talk on cellphone and drive in the State of Texas. \n : Company chooses not to provide a public response"},{"Question":"I make an inadvertent pay through my online bill pay to my Macy 's credit card in the amount of {$2500.00}. I have attempted to get a refund of this amount to no avail. \n","text":"Company chooses not to provide a public response","context":": I make an inadvertent pay through my online bill pay to my Macy 's credit card in the amount of {$2500.00}. I have attempted to get a refund of this amount to no avail. \n : Company chooses not to provide a public response"},{"Question":"I checked my credit score at XXXX and it seems I have a XXXX $ charge in 2015 to XXXX XXXX. Ive never used that service or company. Now my score is XXXX. Also there seems to be XXXX addresses listed in my report that I have never resided at. \n","text":"Company chooses not to provide a public response","context":": I checked my credit score at XXXX and it seems I have a XXXX $ charge in 2015 to XXXX XXXX. Ive never used that service or company. Now my score is XXXX. Also there seems to be XXXX addresses listed in my report that I have never resided at. \n : Company chooses not to provide a public response"},{"Question":"Experian have my wrong name on it report.. my name is XXXX XXXX.. \non Experian report are XXXX XXXX that is wrong last name. need to be fix now \n","text":"Company chooses not to provide a public response","context":": Experian have my wrong name on it report.. my name is XXXX XXXX.. \non Experian report are XXXX XXXX that is wrong last name. need to be fix now \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX OpenACCOUNT INFORMATION DISPUTED BY CONSUMERClosed by GrantorDisputed by ConsumerCOLLECTIONI have disputed this account because it not my account and still has not been removed from my account and it has been over 3 months. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX OpenACCOUNT INFORMATION DISPUTED BY CONSUMERClosed by GrantorDisputed by ConsumerCOLLECTIONI have disputed this account because it not my account and still has not been removed from my account and it has been over 3 months. \n : Company chooses not to provide a public response"},{"Question":"Account was paid but never updated to the credit bureaus. \n","text":"Company chooses not to provide a public response","context":": Account was paid but never updated to the credit bureaus. \n : Company chooses not to provide a public response"},{"Question":"The reporting agency ( XXXX XXXX XXXX XXXX ) has reported that I owe them {$110.00}. I have never enrolled at any XXXX XXXX College nor do I have any children enrolled. \n","text":"Company chooses not to provide a public response","context":": The reporting agency ( XXXX XXXX XXXX XXXX ) has reported that I owe them {$110.00}. I have never enrolled at any XXXX XXXX College nor do I have any children enrolled. \n : Company chooses not to provide a public response"},{"Question":"Tax lien that has been released is still showing as unsatisfied on Transunion. Disputed several times with sending a copy of release and it is still misreporting \n","text":"Company chooses not to provide a public response","context":": Tax lien that has been released is still showing as unsatisfied on Transunion. Disputed several times with sending a copy of release and it is still misreporting \n : Company chooses not to provide a public response"},{"Question":"U.S. Bank debited my account incorrectly for someone else 's check. It was not caught until I reviewed my bank statement XXXX days later. This is at least the XXXX time this has happened in the last few years. \n","text":"Company chooses not to provide a public response","context":": U.S. Bank debited my account incorrectly for someone else 's check. It was not caught until I reviewed my bank statement XXXX days later. This is at least the XXXX time this has happened in the last few years. \n : Company chooses not to provide a public response"},{"Question":"My score was XXXX then turned to XXXX sudenly XXXX month ago and I pay my bills in time \n","text":"Company chooses not to provide a public response","context":": My score was XXXX then turned to XXXX sudenly XXXX month ago and I pay my bills in time \n : Company chooses not to provide a public response"},{"Question":"I recently pulled my credit report and this company has reported that I owe them a debt. I have never received any letter from this company informing me that I owe them a debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I recently pulled my credit report and this company has reported that I owe them a debt. I have never received any letter from this company informing me that I owe them a debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is an active XXXX account on my credit report which I have no knowledge of I have never had XXXX services before \n","text":"Company can't verify or dispute the facts in the complaint","context":": There is an active XXXX account on my credit report which I have no knowledge of I have never had XXXX services before \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Foreclosure sale date of XXXX IS OF THE ESSENCEMy financial situation has changed, as of XXXX, that I can afford my mortgage. \nRequest for a modification package on XXXX has NOT been mailed, emailed, XXXX, nothing. \n","text":"Company chooses not to provide a public response","context":": Foreclosure sale date of XXXX IS OF THE ESSENCEMy financial situation has changed, as of XXXX, that I can afford my mortgage. \nRequest for a modification package on XXXX has NOT been mailed, emailed, XXXX, nothing. \n : Company chooses not to provide a public response"},{"Question":"this account resulted from identity theft and needs to be removed immediaelty I have completed a police report with the acct and a ftc notarized theft affidavit ... the account number is XXXX from first national collec \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": this account resulted from identity theft and needs to be removed immediaelty I have completed a police report with the acct and a ftc notarized theft affidavit ... the account number is XXXX from first national collec \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I paid {$4.00} to Experian to receive my Fico score after viewing mctheyy creidit report \n","text":"Company chooses not to provide a public response","context":": I paid {$4.00} to Experian to receive my Fico score after viewing mctheyy creidit report \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Foreclosure sale date of XXXX needs to be stopped. \n\nI submitted a request for a modification on XXXX, almost a month ago. \n","text":"Company chooses not to provide a public response","context":": Foreclosure sale date of XXXX needs to be stopped. \n\nI submitted a request for a modification on XXXX, almost a month ago. \n : Company chooses not to provide a public response"},{"Question":"I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE I HAD A HARD INQUIRE FROM SARMA MORTGAGE DEPT THAT I DIDNT MAKE I HAVE NEVER TRYED TO GET A MORTGAGE \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE I HAD A HARD INQUIRE FROM SARMA MORTGAGE DEPT THAT I DIDNT MAKE I HAVE NEVER TRYED TO GET A MORTGAGE \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I HAD BEEN ASKED BY MACY 'S CREDIT TO PAY A DEBT WITH UNEMPLOYMENT INSURANCE FUNDS. \n","text":"Company chooses not to provide a public response","context":": I HAD BEEN ASKED BY MACY 'S CREDIT TO PAY A DEBT WITH UNEMPLOYMENT INSURANCE FUNDS. \n : Company chooses not to provide a public response"},{"Question":"Common Wealth aka or dba XXXX, reported XXXX medical collections to my bureaus as XXXX accounts. I paid the accounts and they provided me with a deletion letter to only turn around and report new collections on my XXXX Report 16 days after I paid the collections \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Common Wealth aka or dba XXXX, reported XXXX medical collections to my bureaus as XXXX accounts. I paid the accounts and they provided me with a deletion letter to only turn around and report new collections on my XXXX Report 16 days after I paid the collections \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have been harassed and overcharged by XXXX since I opened the account in XXXX 2011. Now they have forwarded the account to Foster and Garbus LLP. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have been harassed and overcharged by XXXX since I opened the account in XXXX 2011. Now they have forwarded the account to Foster and Garbus LLP. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"WHY MY PAYMENTS FOR XXXX ARE NOT BEING REPORTED CALL XXXX TO MAKE A COMPLIANT AND THEY STILL ARE NOT REPORTING WHEN I PAY \n","text":"Company chooses not to provide a public response","context":": WHY MY PAYMENTS FOR XXXX ARE NOT BEING REPORTED CALL XXXX TO MAKE A COMPLIANT AND THEY STILL ARE NOT REPORTING WHEN I PAY \n : Company chooses not to provide a public response"},{"Question":"My account with XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX, ( XXXX ) XXXX is showing a closed and collection status which is not accurate. The account is still open and I have recently made it current and satisfied the in collection status. I have never ceased making monthly payments. \n","text":"Company chooses not to provide a public response","context":": My account with XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX, ( XXXX ) XXXX is showing a closed and collection status which is not accurate. The account is still open and I have recently made it current and satisfied the in collection status. I have never ceased making monthly payments. \n : Company chooses not to provide a public response"},{"Question":"There are XXXX accounts un the XXXX XXXX. of XXXX that are showing closed\/derogatory. These accounts have long since been satisfied. \n","text":"Company chooses not to provide a public response","context":": There are XXXX accounts un the XXXX XXXX. of XXXX that are showing closed\/derogatory. These accounts have long since been satisfied. \n : Company chooses not to provide a public response"},{"Question":"VALENTINE & KEBARTAScalling fromXXXX XXXX XXXX called me almost XXXX timeswithin the past few monthsDo not have debt owed to \" VALENTINE & KEBARTAS \" They have been told to stop harassing me with these constant never ending phone calls. \n","text":"Company can't verify or dispute the facts in the complaint","context":": VALENTINE & KEBARTAScalling fromXXXX XXXX XXXX called me almost XXXX timeswithin the past few monthsDo not have debt owed to \" VALENTINE & KEBARTAS \" They have been told to stop harassing me with these constant never ending phone calls. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"The loan was for XXXX and they took out XXXX per month for almost XXXX years and whe I called to get payoff they said I owed more than loan amount \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The loan was for XXXX and they took out XXXX per month for almost XXXX years and whe I called to get payoff they said I owed more than loan amount \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Clarifying my address XXXX and ss # for credentiing must respond or legal action will proceed. Also calling my family members to verify my information \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Clarifying my address XXXX and ss # for credentiing must respond or legal action will proceed. Also calling my family members to verify my information \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Collections from Original Creditor : XXXX ... This is not my debt. How did they get my social security number and information? \n","text":"Company chooses not to provide a public response","context":": Collections from Original Creditor : XXXX ... This is not my debt. How did they get my social security number and information? \n : Company chooses not to provide a public response"},{"Question":"The XXXX unpaid medical bills on my report for a total of {$800.00} were paid back in XXXX 2015. I need this removed from my file please. \n","text":"Company disputes the facts presented in the complaint","context":": The XXXX unpaid medical bills on my report for a total of {$800.00} were paid back in XXXX 2015. I need this removed from my file please. \n : Company disputes the facts presented in the complaint"},{"Question":"I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under the FDCPA. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under the FDCPA. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"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","text":"Company believes it acted appropriately as authorized by contract or law","context":": 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 : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This is a medical debt that was sent to an collection agency ... I sent a debt validation letter disputing that debt and requested that this debt do not be reported to the credit agencies XXXX XXXX XXXX until this matter is resolved. \n","text":"Company chooses not to provide a public response","context":": This is a medical debt that was sent to an collection agency ... I sent a debt validation letter disputing that debt and requested that this debt do not be reported to the credit agencies XXXX XXXX XXXX until this matter is resolved. \n : Company chooses not to provide a public response"},{"Question":"Company is calling XXXX times per day from a blocked number. When I do n't answer they fail to leave a voicemail. Also, these calls are everyday even though I have already set up payment arrangements with the company. \n","text":"Company chooses not to provide a public response","context":": Company is calling XXXX times per day from a blocked number. When I do n't answer they fail to leave a voicemail. Also, these calls are everyday even though I have already set up payment arrangements with the company. \n : Company chooses not to provide a public response"},{"Question":"There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. \nXXXX four total, XXXX XXXX four total, an account through XXXX XXXX. Please help as this agency is not complying \n","text":"Company chooses not to provide a public response","context":": There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. \nXXXX four total, XXXX XXXX four total, an account through XXXX XXXX. Please help as this agency is not complying \n : Company chooses not to provide a public response"},{"Question":"There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. \nXXXX of XXXX XXXX assistance XXXX total, XXXX XXXX XXXX total, an account through XXXX XXXX. Please help as this agency is not complying \n","text":"Company chooses not to provide a public response","context":": There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. \nXXXX of XXXX XXXX assistance XXXX total, XXXX XXXX XXXX total, an account through XXXX XXXX. Please help as this agency is not complying \n : Company chooses not to provide a public response"},{"Question":"purchased XXXX XXXX in XXXX from national auto finiance payed it off in XXXX and received the titles traded it in to XXXX XXXX XXXX texas XXXX in XXXX for a XXXX XXXX, I do not owe anything, if I did I would not have received my titles, please remove {$1000.00} off of my credit \n","text":"Company chooses not to provide a public response","context":": purchased XXXX XXXX in XXXX from national auto finiance payed it off in XXXX and received the titles traded it in to XXXX XXXX XXXX texas XXXX in XXXX for a XXXX XXXX, I do not owe anything, if I did I would not have received my titles, please remove {$1000.00} off of my credit \n : Company chooses not to provide a public response"},{"Question":"I do not know about this debt. Does not show on my credit report. Telephone # provided on notice is only a recording of ads trying to sell me stuff. I want to know what this bill is about. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I do not know about this debt. Does not show on my credit report. Telephone # provided on notice is only a recording of ads trying to sell me stuff. I want to know what this bill is about. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX XXXX has lost a transaction on mine and I want an answer to the matter. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX has lost a transaction on mine and I want an answer to the matter. \n : Company chooses not to provide a public response"},{"Question":"I was scammed online, and did not receive what I paid for. Was not able to cancel payment in time on Paypal. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was scammed online, and did not receive what I paid for. Was not able to cancel payment in time on Paypal. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Actually I have a car payment account.but, It dos n't reported my payment history. \n","text":"Company chooses not to provide a public response","context":": Actually I have a car payment account.but, It dos n't reported my payment history. \n : Company chooses not to provide a public response"},{"Question":"Debt was the result of an identity fraud from a bank \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt was the result of an identity fraud from a bank \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Debt was the result of an identity fraud from a bank \n","text":"Company chooses not to provide a public response","context":": Debt was the result of an identity fraud from a bank \n : Company chooses not to provide a public response"},{"Question":"Transunion updated an old account ( XXXX XXXX CR XXXX # XXXX ) that was never late to 30 days past due date. \n","text":"Company chooses not to provide a public response","context":": Transunion updated an old account ( XXXX XXXX CR XXXX # XXXX ) that was never late to 30 days past due date. \n : Company chooses not to provide a public response"},{"Question":"XXXX is not my account. Remove immediately. I did not authorize myself to be added to this account. I do not have a XXXX credit card. \n","text":"Company chooses not to provide a public response","context":": XXXX is not my account. Remove immediately. I did not authorize myself to be added to this account. I do not have a XXXX credit card. \n : Company chooses not to provide a public response"},{"Question":"the company that reports credit EXPERIAN HAS OVER XXXX XXXX ADDRESSES THAT ARE NOT MINE AND OUT DATED INFORMATIONADDRESSES ABOUT XXXXOUTGATED INFORMATIONREQUESTED A SCORE AND REPORT AND THEY SENT NOTHING \n","text":"Company chooses not to provide a public response","context":": the company that reports credit EXPERIAN HAS OVER XXXX XXXX ADDRESSES THAT ARE NOT MINE AND OUT DATED INFORMATIONADDRESSES ABOUT XXXXOUTGATED INFORMATIONREQUESTED A SCORE AND REPORT AND THEY SENT NOTHING \n : Company chooses not to provide a public response"},{"Question":"I overpard my balance on a credit card by {$15.00} and three months later I still can not get a refund. I think I 'm owed the over payment plus interest. \n","text":"Company chooses not to provide a public response","context":": I overpard my balance on a credit card by {$15.00} and three months later I still can not get a refund. I think I 'm owed the over payment plus interest. \n : Company chooses not to provide a public response"},{"Question":"Loan was service released to GreenTree from XXXX. We requested a payment history of the debt is owed from the time the loan was originated. GreenTree has stated that they do not have to provide the history to support the debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Loan was service released to GreenTree from XXXX. We requested a payment history of the debt is owed from the time the loan was originated. GreenTree has stated that they do not have to provide the history to support the debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I requesting validation of debt and never received an response. I do not owe a balance on this account. \n","text":"Company chooses not to provide a public response","context":": I requesting validation of debt and never received an response. I do not owe a balance on this account. \n : Company chooses not to provide a public response"},{"Question":"I have had my home mortgage with wells fargo for many years. I always paid my taxes and insurance seperate. for several years now they are charging me XXXX a year escrow. Why i have no idea. \n","text":"Company chooses not to provide a public response","context":": I have had my home mortgage with wells fargo for many years. I always paid my taxes and insurance seperate. for several years now they are charging me XXXX a year escrow. Why i have no idea. \n : Company chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"Please see attached for entire narrative. \nI wrote a letter to the COO of the Bank but have learned that he is also acting CFO. I do n't think that I will receive a satisfactory response in a timely manner. My complaint can be published - I can rewrite this portion if requested. \n","text":"Company chooses not to provide a public response","context":": Please see attached for entire narrative. \nI wrote a letter to the COO of the Bank but have learned that he is also acting CFO. I do n't think that I will receive a satisfactory response in a timely manner. My complaint can be published - I can rewrite this portion if requested. \n : Company chooses not to provide a public response"},{"Question":"Excessive fees and high interest rate of XXXX l only borrow {$940.00} and paid over {$900.00} dollars in fees and finance charge. \nThis financial institution shutting down in lending because of. A Federal Government fine of {$10.00} XXXX dollars. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Excessive fees and high interest rate of XXXX l only borrow {$940.00} and paid over {$900.00} dollars in fees and finance charge. \nThis financial institution shutting down in lending because of. A Federal Government fine of {$10.00} XXXX dollars. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Hello, my name is XXXX XXXX XXXX. You have listed at, XXXX XXXX XXXX, XXXX, XXXX , Ohio , XXXX. I have never live at this address. \n","text":"Company chooses not to provide a public response","context":": Hello, my name is XXXX XXXX XXXX. You have listed at, XXXX XXXX XXXX, XXXX, XXXX , Ohio , XXXX. I have never live at this address. \n : Company chooses not to provide a public response"},{"Question":"put a collection on my credit report.. I do not owe this debt. I live in XXXX Carolina and this is supposedly from California. I reported the identity theft to the credit agencies. these XXXX 's will not remove this from my credit. \n","text":"Company can't verify or dispute the facts in the complaint","context":": put a collection on my credit report.. I do not owe this debt. I live in XXXX Carolina and this is supposedly from California. I reported the identity theft to the credit agencies. these XXXX 's will not remove this from my credit. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Inaccurate info such as home loansinaccurate loan and information on credit report \n","text":"Company chooses not to provide a public response","context":": Inaccurate info such as home loansinaccurate loan and information on credit report \n : Company chooses not to provide a public response"},{"Question":"There is a strange name associated with my Transunion credit report. The name \" XXXX XXXX XXXX '' is unknown to me. \n","text":"Company chooses not to provide a public response","context":": There is a strange name associated with my Transunion credit report. The name \" XXXX XXXX XXXX '' is unknown to me. \n : Company chooses not to provide a public response"},{"Question":"Lots of money was stolen from my bank account at different ATMs I called Bank of America many times and they closed the case a few days ago and my account is negative XXXX. \n","text":"Company chooses not to provide a public response","context":": Lots of money was stolen from my bank account at different ATMs I called Bank of America many times and they closed the case a few days ago and my account is negative XXXX. \n : Company chooses not to provide a public response"},{"Question":"I was sued and placed in collections with this company but the case was dismissed. Please remove XXXX XXXX charge off and XXXX Collections from my credit report. \n","text":"Company chooses not to provide a public response","context":": I was sued and placed in collections with this company but the case was dismissed. Please remove XXXX XXXX charge off and XXXX Collections from my credit report. \n : Company chooses not to provide a public response"},{"Question":"The Transunion online dispute system NEVER works. I have had occasion to dispute items twice in the last 3 or 4 years, or correct erroneous information. Transunion is always the most difficult to deal with since they do not apparently automate the process. \n","text":"Company chooses not to provide a public response","context":": The Transunion online dispute system NEVER works. I have had occasion to dispute items twice in the last 3 or 4 years, or correct erroneous information. Transunion is always the most difficult to deal with since they do not apparently automate the process. \n : Company chooses not to provide a public response"},{"Question":"XXXX is not up to date, card have a credit balance not {$8700.00} \n","text":"Company chooses not to provide a public response","context":": XXXX is not up to date, card have a credit balance not {$8700.00} \n : Company chooses not to provide a public response"},{"Question":"old account \/ over XXXX years oldwas previous deleted now Reinserted \n","text":"Company chooses not to provide a public response","context":": old account \/ over XXXX years oldwas previous deleted now Reinserted \n : Company chooses not to provide a public response"},{"Question":"I have been trying to get PMI removed for 2 years \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have been trying to get PMI removed for 2 years \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX has a closed account on my credit report that I have would like removed \n","text":"Company chooses not to provide a public response","context":": XXXX has a closed account on my credit report that I have would like removed \n : Company chooses not to provide a public response"},{"Question":"I dont know where this XXXX bill is coming from I have never had XXXX. \n","text":"Company chooses not to provide a public response","context":": I dont know where this XXXX bill is coming from I have never had XXXX. \n : Company chooses not to provide a public response"},{"Question":"I contacted lend up to informed them that i was going to be needing an extented payment plan and i was told that they did not have to obey that law \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I contacted lend up to informed them that i was going to be needing an extented payment plan and i was told that they did not have to obey that law \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have asked to bill me, I will pay as much as I can when I can. Asked to stop calling while I am at work, asked to stop leaving voicemail at work as calls are recorded. Asked to stop calling those I listed as references. \n","text":"Company chooses not to provide a public response","context":": I have asked to bill me, I will pay as much as I can when I can. Asked to stop calling while I am at work, asked to stop leaving voicemail at work as calls are recorded. Asked to stop calling those I listed as references. \n : Company chooses not to provide a public response"},{"Question":"I have never had XXXX. Not sure why this is on my credit report or where it came from. \n","text":"Company chooses not to provide a public response","context":": I have never had XXXX. Not sure why this is on my credit report or where it came from. \n : Company chooses not to provide a public response"},{"Question":"Cash net usa is not charging me on my payment dates they are doing it before and I 'm being charged overdraft fees each time and I have called them several times about it \n","text":"Company disputes the facts presented in the complaint","context":": Cash net usa is not charging me on my payment dates they are doing it before and I 'm being charged overdraft fees each time and I have called them several times about it \n : Company disputes the facts presented in the complaint"},{"Question":"I have never had an employer named XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I have never had an employer named XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I called JR BROTHERS FINANCE spoke to XXXX to ask what a charge a my credit report for {$130.00} was but all she can do is say it was mine and insult me. She asked me if that 's what I do for a living and hung up on me. All I want to know is that the charge is! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I called JR BROTHERS FINANCE spoke to XXXX to ask what a charge a my credit report for {$130.00} was but all she can do is say it was mine and insult me. She asked me if that 's what I do for a living and hung up on me. All I want to know is that the charge is! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The Bank of America has, on XXXX occasions in the last several months, refused to cash my payroll check that was written on an account at the Bank. The Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX \n","text":"Company chooses not to provide a public response","context":": The Bank of America has, on XXXX occasions in the last several months, refused to cash my payroll check that was written on an account at the Bank. The Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX \n : Company chooses not to provide a public response"},{"Question":"They call me and tell me when I have no money for a payment to borrow money from friends or churches. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They call me and tell me when I have no money for a payment to borrow money from friends or churches. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I mailed Experian a letter since XXXX XXXX, 2015 and till this date they have not responded back. I followed up with a XXXX later dated XXXX XXXX, 2015 and they have also failed to respond. \n","text":"Company chooses not to provide a public response","context":": I mailed Experian a letter since XXXX XXXX, 2015 and till this date they have not responded back. I followed up with a XXXX later dated XXXX XXXX, 2015 and they have also failed to respond. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX is a billing for {$1600.00} for the month of XXXX 2011, however I did n't live there during that time. I moved out of that residence XXXX 2011!! This bill does n't belong to me but to the owner of the condo. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX is a billing for {$1600.00} for the month of XXXX 2011, however I did n't live there during that time. I moved out of that residence XXXX 2011!! This bill does n't belong to me but to the owner of the condo. \n : Company chooses not to provide a public response"},{"Question":"AFTER REVIEWING MY CREDIT REPORT. I SEE I have a collection for a car that was repossessed. OnXX\/XX\/2015 contacted the company and ask for verification then againXX\/XX\/2015 After XXXXdays the proof was not provided In a timely matter which states it should be null and void. \n","text":"Company chooses not to provide a public response","context":": AFTER REVIEWING MY CREDIT REPORT. I SEE I have a collection for a car that was repossessed. OnXX\/XX\/2015 contacted the company and ask for verification then againXX\/XX\/2015 After XXXXdays the proof was not provided In a timely matter which states it should be null and void. \n : Company chooses not to provide a public response"},{"Question":"I have XXXX hard inquiries from Safe Rent ( XXXX XXXX XXXX ) within days, XXXX of which was unnecessary \n","text":"Company chooses not to provide a public response","context":": I have XXXX hard inquiries from Safe Rent ( XXXX XXXX XXXX ) within days, XXXX of which was unnecessary \n : Company chooses not to provide a public response"},{"Question":"XXXXcollection agency collected from me a debt for XXXX, amt {$390.00} on XXXX\/XXXX\/2010 & reported to Transunion, Paid on XX\/XX\/XXXX.2010. Yet it is still reporting delinquent by Transunion for XXXX years. That has effected my credit in a bad way. \nPlease correct. \nThank you. \n","text":"Company chooses not to provide a public response","context":": XXXXcollection agency collected from me a debt for XXXX, amt {$390.00} on XXXX\/XXXX\/2010 & reported to Transunion, Paid on XX\/XX\/XXXX.2010. Yet it is still reporting delinquent by Transunion for XXXX years. That has effected my credit in a bad way. \nPlease correct. \nThank you. \n : Company chooses not to provide a public response"},{"Question":"Unknown collection and outdated, please remove \n","text":"Company chooses not to provide a public response","context":": Unknown collection and outdated, please remove \n : Company chooses not to provide a public response"},{"Question":"This company is contacting daily for a deceased person 's debt. They have also left messages on an open voicemail service, so I was able to learn about the debt. They are also calling other parties constantly. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This company is contacting daily for a deceased person 's debt. They have also left messages on an open voicemail service, so I was able to learn about the debt. They are also calling other parties constantly. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They have misspell my name and my wrong employer name. \n","text":"Company chooses not to provide a public response","context":": They have misspell my name and my wrong employer name. \n : Company chooses not to provide a public response"},{"Question":"I am receiving calls at least XXXX times a day\/night for my brother in law 's outstanding debt of {$48.00}. When they call they are looking for XXXX. I have told them over two months this is not XXXX home and to stop calling. \n","text":"Company chooses not to provide a public response","context":": I am receiving calls at least XXXX times a day\/night for my brother in law 's outstanding debt of {$48.00}. When they call they are looking for XXXX. I have told them over two months this is not XXXX home and to stop calling. \n : Company chooses not to provide a public response"},{"Question":"There is a Circuit Court claim on my report and I have never even lived in the county that it is from or have never had papers served in that county. I requested a disputed and it come back with no changes. I need this corrected, because this is not mine. \n","text":"Company chooses not to provide a public response","context":": There is a Circuit Court claim on my report and I have never even lived in the county that it is from or have never had papers served in that county. I requested a disputed and it come back with no changes. I need this corrected, because this is not mine. \n : Company chooses not to provide a public response"},{"Question":"There are incorrect names and a address that I have never lived at, not even in that town. \n","text":"Company chooses not to provide a public response","context":": There are incorrect names and a address that I have never lived at, not even in that town. \n : Company chooses not to provide a public response"},{"Question":"Unknown and appears to be outdated, disputed with no outcome. Please help \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Unknown and appears to be outdated, disputed with no outcome. Please help \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"An account belonging to my father of the same name was placed on my credit report and subsequently disputed online via Experian.com. The creditor refused to remove the account from my credit report. \n","text":"Company chooses not to provide a public response","context":": An account belonging to my father of the same name was placed on my credit report and subsequently disputed online via Experian.com. The creditor refused to remove the account from my credit report. \n : Company chooses not to provide a public response"},{"Question":"I paid my loan off on my mortgage with wells fargo. I had paid a earlier amount which they backed out of the loan. Before that I had paid like 6 months aheahead \n","text":"Company chooses not to provide a public response","context":": I paid my loan off on my mortgage with wells fargo. I had paid a earlier amount which they backed out of the loan. Before that I had paid like 6 months aheahead \n : Company chooses not to provide a public response"},{"Question":"Received a bill addressed to somebody else 's first and middle names, and my last name. Clearly not my bill. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Received a bill addressed to somebody else 's first and middle names, and my last name. Clearly not my bill. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"i was told repeatably this item will remove .. \n","text":"Company chooses not to provide a public response","context":": i was told repeatably this item will remove .. \n : Company chooses not to provide a public response"},{"Question":"I AM SICK XXXX TIRED OF THIS BANK TAKING MONEY FROM ME. WHY WOULD YOU LET A TRANSACTION GO THREW OF MY ACCOUNT IS ALREADY NEGATIVE THEN YOU CHARGE ME XXXX DOLLARS AGAIN THEN A MAINTENCE FEE FOR WHAT YOU HAVENT BEEN CHARGING ME ONE.I AM TIRED OF THIS AND I WILL BE CLOSING MY ACCOUNT \n","text":"Company chooses not to provide a public response","context":": I AM SICK XXXX TIRED OF THIS BANK TAKING MONEY FROM ME. WHY WOULD YOU LET A TRANSACTION GO THREW OF MY ACCOUNT IS ALREADY NEGATIVE THEN YOU CHARGE ME XXXX DOLLARS AGAIN THEN A MAINTENCE FEE FOR WHAT YOU HAVENT BEEN CHARGING ME ONE.I AM TIRED OF THIS AND I WILL BE CLOSING MY ACCOUNT \n : Company chooses not to provide a public response"},{"Question":"Paid extra fees to avoid giving green tree servicing direct debit ability. Had to hire a lawyer to avoid foreclosure action while my loan modification request was being delayed by them. \n","text":"Company believes complaint is the result of an isolated error","context":": Paid extra fees to avoid giving green tree servicing direct debit ability. Had to hire a lawyer to avoid foreclosure action while my loan modification request was being delayed by them. \n : Company believes complaint is the result of an isolated error"},{"Question":"A new employer has been added but I am both XXXX and retired. XXXX XXXX has also reported fraudulent activity related to my card and reissued new card. ) \n","text":"Company chooses not to provide a public response","context":": A new employer has been added but I am both XXXX and retired. XXXX XXXX has also reported fraudulent activity related to my card and reissued new card. ) \n : Company chooses not to provide a public response"},{"Question":"started months ago on XXXX and they call XXXX to XXXX times a day 7 days a week leave no message or information. any time of day also \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": started months ago on XXXX and they call XXXX to XXXX times a day 7 days a week leave no message or information. any time of day also \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX with Wells Fargo is deliberitly delaying the refinancing of our loan. She indicated to me that I would be put in touch with a loan supervisor two weeks ago and I never received a call. When I called her today she stated she forgot. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX with Wells Fargo is deliberitly delaying the refinancing of our loan. She indicated to me that I would be put in touch with a loan supervisor two weeks ago and I never received a call. When I called her today she stated she forgot. \n : Company chooses not to provide a public response"},{"Question":"I am after whatever compensation I am entitled to ; I am a customer of Green Tree Mortgaging ; I am a victim of the XXXX they have been taken to task for \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am after whatever compensation I am entitled to ; I am a customer of Green Tree Mortgaging ; I am a victim of the XXXX they have been taken to task for \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have 7 times written letters to this company that my health insurance paid this bill. This home health care was awful while treating us, and even worse with billing. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have 7 times written letters to this company that my health insurance paid this bill. This home health care was awful while treating us, and even worse with billing. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have a judgment with XXXX Colorado that was satisfied. Experian XXXX are still misreporting this as an open judgment. \n","text":"Company chooses not to provide a public response","context":": I have a judgment with XXXX Colorado that was satisfied. Experian XXXX are still misreporting this as an open judgment. \n : Company chooses not to provide a public response"},{"Question":"We have attempted to modify our home loan with Bank of America, only to be told for the XXXX time that our investor XXXX will not allow modification of the Loan, the process has been very stressful, and I know that we are not alone in this. Please Help!!! \n","text":"Company chooses not to provide a public response","context":": We have attempted to modify our home loan with Bank of America, only to be told for the XXXX time that our investor XXXX will not allow modification of the Loan, the process has been very stressful, and I know that we are not alone in this. Please Help!!! \n : Company chooses not to provide a public response"},{"Question":"Informed me that I have a collection account with them - First Source Advantage - but would not give me any other information when I asked what the debt was and who it was from. Intimidating behavior. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Informed me that I have a collection account with them - First Source Advantage - but would not give me any other information when I asked what the debt was and who it was from. Intimidating behavior. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I received a letter stating that someone opened a Dillards credit card in my name. I did not open a credit card. The limit was {$1000.00} - and they spent {$990.00} on it the same day they opened it. \n","text":"Company chooses not to provide a public response","context":": I received a letter stating that someone opened a Dillards credit card in my name. I did not open a credit card. The limit was {$1000.00} - and they spent {$990.00} on it the same day they opened it. \n : Company chooses not to provide a public response"},{"Question":"i continue to get calls from numerous people who hang up when you ask why they are calling you from phone number XXXX the reps are rude and they have no info on the who the actual bill is owed to. \n","text":"Company can't verify or dispute the facts in the complaint","context":": i continue to get calls from numerous people who hang up when you ask why they are calling you from phone number XXXX the reps are rude and they have no info on the who the actual bill is owed to. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity. \n","text":"Company chooses not to provide a public response","context":": This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity. \n : Company chooses not to provide a public response"},{"Question":"I am being scammed out of my husband 's pension by Wells Fargo. \n","text":"Company chooses not to provide a public response","context":": I am being scammed out of my husband 's pension by Wells Fargo. \n : Company chooses not to provide a public response"},{"Question":"On XXXX of my reports there is a claim I have an open account in collections, this is incorrect. It was paid XXXX 2014. I contacted the company and they confirmed the account in collections was paid off in XXXX 2014, I just need to get it removed from my report. \n","text":"Company chooses not to provide a public response","context":": On XXXX of my reports there is a claim I have an open account in collections, this is incorrect. It was paid XXXX 2014. I contacted the company and they confirmed the account in collections was paid off in XXXX 2014, I just need to get it removed from my report. \n : Company chooses not to provide a public response"},{"Question":"Multiple harassing, threatening calls at all times per day without any written notice or claim of purported debt owed. \n","text":"Company chooses not to provide a public response","context":": Multiple harassing, threatening calls at all times per day without any written notice or claim of purported debt owed. \n : Company chooses not to provide a public response"},{"Question":"I am disputing late payment entries that Leaders Financial had put on my credit report. It states that I was 30-days past as of XXXX\/XXXX\/2015. That is n't correct I try to always pay during the pay period allotted time \n","text":"Company chooses not to provide a public response","context":": I am disputing late payment entries that Leaders Financial had put on my credit report. It states that I was 30-days past as of XXXX\/XXXX\/2015. That is n't correct I try to always pay during the pay period allotted time \n : Company chooses not to provide a public response"},{"Question":"this account is a fraudulent account and was opened with my stolen identity ... IT IS REPORTING ON MY CREDIT AND NEEDS TO BE CLOSED WITH THIS COMPANY AND DELETED WITH THE BUREAUS ASAP \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": this account is a fraudulent account and was opened with my stolen identity ... IT IS REPORTING ON MY CREDIT AND NEEDS TO BE CLOSED WITH THIS COMPANY AND DELETED WITH THE BUREAUS ASAP \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My ex husband XXXX XXXX and his current girlfriend XXXX XXXX keeps using my credit and I ca n't even access my report because I do n't know what creditors and mortgage companies they are using. \n","text":"Company chooses not to provide a public response","context":": My ex husband XXXX XXXX and his current girlfriend XXXX XXXX keeps using my credit and I ca n't even access my report because I do n't know what creditors and mortgage companies they are using. \n : Company chooses not to provide a public response"},{"Question":"I have XXXX open collections when I only owe XXXX school ( XXXX XXXX ) XXXX amount. \nSo because their are XXXX its making my Reported Open Collections Balance {$4300.00}. When it should only be {$2100.00} \n","text":"Company chooses not to provide a public response","context":": I have XXXX open collections when I only owe XXXX school ( XXXX XXXX ) XXXX amount. \nSo because their are XXXX its making my Reported Open Collections Balance {$4300.00}. When it should only be {$2100.00} \n : Company chooses not to provide a public response"},{"Question":"There is an address on my credit report that I never lived at. Can someone please help me get it removed. \n","text":"Company chooses not to provide a public response","context":": There is an address on my credit report that I never lived at. Can someone please help me get it removed. \n : Company chooses not to provide a public response"},{"Question":"Bank of America is reporting an original charge off amount of {$850.00} to all XXXX CRA 's. This was a secured card which I paid {$600.00} down. The limit was {$600.00}. The card was never over the limit and I paid {$250.00} which was considered payment in full of past due balance. \n","text":"Company chooses not to provide a public response","context":": Bank of America is reporting an original charge off amount of {$850.00} to all XXXX CRA 's. This was a secured card which I paid {$600.00} down. The limit was {$600.00}. The card was never over the limit and I paid {$250.00} which was considered payment in full of past due balance. \n : Company chooses not to provide a public response"},{"Question":"Credit card fraudly opened up with diffrent address and phone number even though info was different still opened account \n","text":"Company chooses not to provide a public response","context":": Credit card fraudly opened up with diffrent address and phone number even though info was different still opened account \n : Company chooses not to provide a public response"},{"Question":"I been placed in a collection, i just know thru a credit monitor service \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I been placed in a collection, i just know thru a credit monitor service \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have a second mortgage with Citibank. My attorney made several attempts to get in touch with Citibank so my loan an be modified but up to now no one has returned his phone call. \n","text":"Company chooses not to provide a public response","context":": I have a second mortgage with Citibank. My attorney made several attempts to get in touch with Citibank so my loan an be modified but up to now no one has returned his phone call. \n : Company chooses not to provide a public response"},{"Question":"XXXX account XXXX does not belong to me \n","text":"Company chooses not to provide a public response","context":": XXXX account XXXX does not belong to me \n : Company chooses not to provide a public response"},{"Question":"I just called Wells Fargo bank Personsl Line of Credit. Tried to make a payment of {$360.00}. XXXX XXXX was rude and would take my payment. \n","text":"Company chooses not to provide a public response","context":": I just called Wells Fargo bank Personsl Line of Credit. Tried to make a payment of {$360.00}. XXXX XXXX was rude and would take my payment. \n : Company chooses not to provide a public response"},{"Question":"Collection agency is harassing me over the phone. They call repeatedly, and can provide no information about the debt. They just want my personally identifiable information. The same information that can be used for identify theft. Please make them stop calling my phone. \n","text":"Company chooses not to provide a public response","context":": Collection agency is harassing me over the phone. They call repeatedly, and can provide no information about the debt. They just want my personally identifiable information. The same information that can be used for identify theft. Please make them stop calling my phone. \n : Company chooses not to provide a public response"},{"Question":"The \" account open '' dates on several reports are incorrect. \n","text":"Company chooses not to provide a public response","context":": The \" account open '' dates on several reports are incorrect. \n : Company chooses not to provide a public response"},{"Question":"We made payment on our loan and out of {$320.00} payment only {$7.00} goes toward the principal and the rest goes towards interest. \n","text":"Company chooses not to provide a public response","context":": We made payment on our loan and out of {$320.00} payment only {$7.00} goes toward the principal and the rest goes towards interest. \n : Company chooses not to provide a public response"},{"Question":"Student assistance for XXXX student loan keeps calling for carrie shafer. They have called 7 different times, every time i have told them i do n't know who that is and to remove me from that list. They have still been calling a couple times a week. \n","text":"Company chooses not to provide a public response","context":": Student assistance for XXXX student loan keeps calling for carrie shafer. They have called 7 different times, every time i have told them i do n't know who that is and to remove me from that list. They have still been calling a couple times a week. \n : Company chooses not to provide a public response"},{"Question":"I have paid my intouch account credit card balance of XXXX {$.00} however the credit report XXXX still shows as balance XXXX {$.00} request to help me in clearing this from the reports as it impacts my credit score even though I paid my balance \n","text":"Company chooses not to provide a public response","context":": I have paid my intouch account credit card balance of XXXX {$.00} however the credit report XXXX still shows as balance XXXX {$.00} request to help me in clearing this from the reports as it impacts my credit score even though I paid my balance \n : Company chooses not to provide a public response"},{"Question":"We are in receipt of the response from XXXX dated XXXX\/XXXX\/15. \nUnfortunately they have not \" deleted '' from my TransUnion Credit file the \" Collections '' Activity INACCURATELY reported XXXX \n","text":"Company chooses not to provide a public response","context":": We are in receipt of the response from XXXX dated XXXX\/XXXX\/15. \nUnfortunately they have not \" deleted '' from my TransUnion Credit file the \" Collections '' Activity INACCURATELY reported XXXX \n : Company chooses not to provide a public response"},{"Question":"My arm cards were stolen, and someone attempted to withdraw money and was successful with getting {$300.00}, from Bank of America. I disputed it at least 3 times, and it came back justifiable. \n","text":"Company chooses not to provide a public response","context":": My arm cards were stolen, and someone attempted to withdraw money and was successful with getting {$300.00}, from Bank of America. I disputed it at least 3 times, and it came back justifiable. \n : Company chooses not to provide a public response"},{"Question":"I 've never been employed by the ones listed on my credit report for transunion \n","text":"Company chooses not to provide a public response","context":": I 've never been employed by the ones listed on my credit report for transunion \n : Company chooses not to provide a public response"},{"Question":"Overlimit fee paid without my consent or opt in. \n","text":"Company chooses not to provide a public response","context":": Overlimit fee paid without my consent or opt in. \n : Company chooses not to provide a public response"},{"Question":"Negative Credit from Unknown Creditors. \nSpouses name incorrect. \n\nIn correct Credit score ( s ) ( lower then actual score ( s ) ) \n","text":"Company chooses not to provide a public response","context":": Negative Credit from Unknown Creditors. \nSpouses name incorrect. \n\nIn correct Credit score ( s ) ( lower then actual score ( s ) ) \n : Company chooses not to provide a public response"},{"Question":"I have never had service from XXXX. I do not owe them anything because I did not have service. I also should not have a negative mark for XXXX. I have made three payments to them in attempt to settle the debt. Please dispute these XXXX items against me? Thank you. \n","text":"Company chooses not to provide a public response","context":": I have never had service from XXXX. I do not owe them anything because I did not have service. I also should not have a negative mark for XXXX. I have made three payments to them in attempt to settle the debt. Please dispute these XXXX items against me? Thank you. \n : Company chooses not to provide a public response"},{"Question":"they said the apply for some loan i never thet plus thto te dont want to tell me were the loan was taking \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": they said the apply for some loan i never thet plus thto te dont want to tell me were the loan was taking \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I do not owe XXXX XXXX {$500.00}. I would like to dispute this charge. I am wiling to settle the debt for less than that amount. I would settle for {$200.00} and a payment plan. Please let me know if you can help with this, thank you. \n","text":"Company chooses not to provide a public response","context":": I do not owe XXXX XXXX {$500.00}. I would like to dispute this charge. I am wiling to settle the debt for less than that amount. I would settle for {$200.00} and a payment plan. Please let me know if you can help with this, thank you. \n : Company chooses not to provide a public response"},{"Question":"Credit Card was always paid on time. I send a letter complaining about incorrect information reported to the credit agencies and they send me a letter back telling me that my account is now current. I do n't have an account with Home Depot and my account was always current. \n","text":"Company chooses not to provide a public response","context":": Credit Card was always paid on time. I send a letter complaining about incorrect information reported to the credit agencies and they send me a letter back telling me that my account is now current. I do n't have an account with Home Depot and my account was always current. \n : Company chooses not to provide a public response"},{"Question":"NOT MINE, DID NOT GIVE ANYONE WITH THIS NAME PERMISSION TO INQUIRE ON ME!!! \nXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXBusiness NameXXXX XXXX XXXXInquiry DateXXXX\/XXXX\/2015Business TypeFinance Companies- non specific \n","text":"Company chooses not to provide a public response","context":": NOT MINE, DID NOT GIVE ANYONE WITH THIS NAME PERMISSION TO INQUIRE ON ME!!! \nXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXBusiness NameXXXX XXXX XXXXInquiry DateXXXX\/XXXX\/2015Business TypeFinance Companies- non specific \n : Company chooses not to provide a public response"},{"Question":"Well I have recently been looking into credit score and I have a few things on my score that need to be removed if possible. The three things are a phone bill for XXXX XXXX XXXX, one with XXXX, and one with XXXX. These places are all in XXXX, in and I have never dealt with any of these \n","text":"Company chooses not to provide a public response","context":": Well I have recently been looking into credit score and I have a few things on my score that need to be removed if possible. The three things are a phone bill for XXXX XXXX XXXX, one with XXXX, and one with XXXX. These places are all in XXXX, in and I have never dealt with any of these \n : Company chooses not to provide a public response"},{"Question":"I wrote letter to Wells Fargo Dealer Services dated XXXX\/XXXX\/2015 disputing my previous account with them regarding late payments. They are now playing games asking me with more information. I provided Wells Fargo with my account number. They should be able to find my account. \n","text":"Company chooses not to provide a public response","context":": I wrote letter to Wells Fargo Dealer Services dated XXXX\/XXXX\/2015 disputing my previous account with them regarding late payments. They are now playing games asking me with more information. I provided Wells Fargo with my account number. They should be able to find my account. \n : Company chooses not to provide a public response"},{"Question":"In my credit reports it has me as having multiple identities. My Name is XXXX XXXX but also comes up as XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": In my credit reports it has me as having multiple identities. My Name is XXXX XXXX but also comes up as XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"Company has called me several times pretending to be attorneys aggressively and abusively telling me they will be taking me to court and telling me I operate a dishonest business and I will be \" punished '' \n","text":"Company disputes the facts presented in the complaint","context":": Company has called me several times pretending to be attorneys aggressively and abusively telling me they will be taking me to court and telling me I operate a dishonest business and I will be \" punished '' \n : Company disputes the facts presented in the complaint"},{"Question":"Keep receiving automated telephone calls indicating they are Amsher Debt Collection Agency calling in regards to a debt. No debts - nothing is owed to anyone. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Keep receiving automated telephone calls indicating they are Amsher Debt Collection Agency calling in regards to a debt. No debts - nothing is owed to anyone. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"XXXX is harassing me to pay a debt that happened in 2006. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": XXXX is harassing me to pay a debt that happened in 2006. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Med 1 SolutionsSolutions retaliated against me for filing a CFPB BY SENDING Two MORE Bills on my credit report SENDING THEM TO ME. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Med 1 SolutionsSolutions retaliated against me for filing a CFPB BY SENDING Two MORE Bills on my credit report SENDING THEM TO ME. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I DID NOT APPLY FOR ANY CREDIT CARD DEBIT CARD OR LOAN AND I HAVE A HARD INQUIRY FROM SOME CREDIT COMPANYXXXXXXXX XXXX XXXX XXXX DID NOT AUTHOURIZE ANY THING AND WANT THIS HARD INQUIRY OUT OF MY CREDIT REPORT \n","text":"Company chooses not to provide a public response","context":": I DID NOT APPLY FOR ANY CREDIT CARD DEBIT CARD OR LOAN AND I HAVE A HARD INQUIRY FROM SOME CREDIT COMPANYXXXXXXXX XXXX XXXX XXXX DID NOT AUTHOURIZE ANY THING AND WANT THIS HARD INQUIRY OUT OF MY CREDIT REPORT \n : Company chooses not to provide a public response"},{"Question":"A robocall from Focus Receivables Management asked me to call them but offered no other information. There is nothing I know of that I owe and I will not call anyone without them giving me real information. \n","text":"Company can't verify or dispute the facts in the complaint","context":": A robocall from Focus Receivables Management asked me to call them but offered no other information. There is nothing I know of that I owe and I will not call anyone without them giving me real information. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"B of A refuses to correctly report my loan as paid in full and closed. The loan was paid in escrow on XXXX XXXX, 2015. I have requested several times through variouschannels yet as of today they still report the account as open with a balance. \n","text":"Company chooses not to provide a public response","context":": B of A refuses to correctly report my loan as paid in full and closed. The loan was paid in escrow on XXXX XXXX, 2015. I have requested several times through variouschannels yet as of today they still report the account as open with a balance. \n : Company chooses not to provide a public response"},{"Question":"I have received a few credit card applications in my XXXX year old 's name XX\/XX\/XXXX, what do I do? My purse was stolen from my vehicle XXXX including my and children 's social security cards. Nothing came of it until this. Help me with my next step please! \n","text":"Company chooses not to provide a public response","context":": I have received a few credit card applications in my XXXX year old 's name XX\/XX\/XXXX, what do I do? My purse was stolen from my vehicle XXXX including my and children 's social security cards. Nothing came of it until this. Help me with my next step please! \n : Company chooses not to provide a public response"},{"Question":"I have received a credit card application in my XXXX year old 's name, XXXX XXXX XXXX, what do I do? My purse was stolen from my vehicle 2013 including my and children 's social security cards. Nothing came of it until this. Help me with my next step please! \n","text":"Company chooses not to provide a public response","context":": I have received a credit card application in my XXXX year old 's name, XXXX XXXX XXXX, what do I do? My purse was stolen from my vehicle 2013 including my and children 's social security cards. Nothing came of it until this. Help me with my next step please! \n : Company chooses not to provide a public response"},{"Question":"Submitted substantial evidence in my favor of returned items with XXXX. Though items were return, company charged my card. CitiCards did not win this case despite XXXX strong advisement of not paying. \n\nTransaction Amount : {$4900.00} Dispute Amount : $ XXXX : XXXX Dispute ID : XXXX \n","text":"Company chooses not to provide a public response","context":": Submitted substantial evidence in my favor of returned items with XXXX. Though items were return, company charged my card. CitiCards did not win this case despite XXXX strong advisement of not paying. \n\nTransaction Amount : {$4900.00} Dispute Amount : $ XXXX : XXXX Dispute ID : XXXX \n : Company chooses not to provide a public response"},{"Question":"I have a {$3400.00} debt listed on my credit report and it has been paid. The reporting collection agency will not report the payment and I was told to challenge it and let the Credit Reporting Company call them. I have a receipt showing it has been paid. \n","text":"Company chooses not to provide a public response","context":": I have a {$3400.00} debt listed on my credit report and it has been paid. The reporting collection agency will not report the payment and I was told to challenge it and let the Credit Reporting Company call them. I have a receipt showing it has been paid. \n : Company chooses not to provide a public response"},{"Question":"I have resided in my home for over seven years and have not relocated. My credit report reflects that i have outstanding medical bills in which I have never received any validation of the debt, explanation of benefits or the option to resolve the debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have resided in my home for over seven years and have not relocated. My credit report reflects that i have outstanding medical bills in which I have never received any validation of the debt, explanation of benefits or the option to resolve the debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was having a hardship that caused me to get behind in my mortgage but now I 'm able to pay my mortgage. I asked for assistance with the past due amount and they are unwilling to listen or assist me they just want to put me into active foreclosure. \n","text":"Company chooses not to provide a public response","context":": I was having a hardship that caused me to get behind in my mortgage but now I 'm able to pay my mortgage. I asked for assistance with the past due amount and they are unwilling to listen or assist me they just want to put me into active foreclosure. \n : Company chooses not to provide a public response"},{"Question":"XXXX is on my credit that that was originally opened like in XX\/XX\/XXXX maybe, nonetheless, CREDCO bought the acct in XX\/XX\/XXXX and it should be out of credit report \n","text":"Company chooses not to provide a public response","context":": XXXX is on my credit that that was originally opened like in XX\/XX\/XXXX maybe, nonetheless, CREDCO bought the acct in XX\/XX\/XXXX and it should be out of credit report \n : Company chooses not to provide a public response"},{"Question":"they keep collecting debt that 's not mine they took me to court and stopped the case because they forged documents signatures etc. so they agreed to stop all collections now they put it back on my credit report. \n","text":"Company chooses not to provide a public response","context":": they keep collecting debt that 's not mine they took me to court and stopped the case because they forged documents signatures etc. so they agreed to stop all collections now they put it back on my credit report. \n : Company chooses not to provide a public response"},{"Question":"XXXX breached contract against XXXX XXXX, thus patient not liable for XXXX fees. \n","text":"Company chooses not to provide a public response","context":": XXXX breached contract against XXXX XXXX, thus patient not liable for XXXX fees. \n : Company chooses not to provide a public response"},{"Question":"Barclays Bank Delaware obtained a judgment against me in a county in XXXX. I live in XXXX and being unable to travel to XXXX they obtained a garnishment of my wages in XXXX without transferring the case to XXXX where I would be able to seek exemption for rent and other living expenses. \n","text":"Company chooses not to provide a public response","context":": Barclays Bank Delaware obtained a judgment against me in a county in XXXX. I live in XXXX and being unable to travel to XXXX they obtained a garnishment of my wages in XXXX without transferring the case to XXXX where I would be able to seek exemption for rent and other living expenses. \n : Company chooses not to provide a public response"},{"Question":"This collection agency has REAGED AN OLD MEDICAL DEBT which is highly illegal. They threatens me and did reage my account on my credit report. this is a small medical debt that I told them the va will take care of since I 'm a veteran. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This collection agency has REAGED AN OLD MEDICAL DEBT which is highly illegal. They threatens me and did reage my account on my credit report. this is a small medical debt that I told them the va will take care of since I 'm a veteran. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Public information should be deleted. \n","text":"Company chooses not to provide a public response","context":": Public information should be deleted. \n : Company chooses not to provide a public response"},{"Question":"Lein has been released back on XX\/XX\/2015 experian still shows this on my credit report they need to remove this judgement \n","text":"Company chooses not to provide a public response","context":": Lein has been released back on XX\/XX\/2015 experian still shows this on my credit report they need to remove this judgement \n : Company chooses not to provide a public response"},{"Question":"This account should be removed from my file, it has been over 7 years. \n","text":"Company chooses not to provide a public response","context":": This account should be removed from my file, it has been over 7 years. \n : Company chooses not to provide a public response"},{"Question":"Purchase made through paypal with paypal credit as credit card was fraudulent. Dispute initiated with Paypal. Outcome of dispute unclear. Case was decided against me apparently. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Purchase made through paypal with paypal credit as credit card was fraudulent. Dispute initiated with Paypal. Outcome of dispute unclear. Case was decided against me apparently. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They have made it IMPOSSIBLE to get my FREE credit report \n","text":"Company chooses not to provide a public response","context":": They have made it IMPOSSIBLE to get my FREE credit report \n : Company chooses not to provide a public response"},{"Question":"I buy the house in XX\/XX\/XXXX, my parents got sick and I had to come to calif in XX\/XX\/XXXX, icontinued to make payments while my house was for sale. I was unable to sell the house so I called b of a for some relief, all I got was the run around for the past 18 months! \n","text":"Company chooses not to provide a public response","context":": I buy the house in XX\/XX\/XXXX, my parents got sick and I had to come to calif in XX\/XX\/XXXX, icontinued to make payments while my house was for sale. I was unable to sell the house so I called b of a for some relief, all I got was the run around for the past 18 months! \n : Company chooses not to provide a public response"},{"Question":"they continue to call and harass me about a debt that is not mine. I have repeatedly informed them that they have the wrong person but they will not stop calling me. \n","text":"Company can't verify or dispute the facts in the complaint","context":": they continue to call and harass me about a debt that is not mine. I have repeatedly informed them that they have the wrong person but they will not stop calling me. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"They have made it IMPOSSIBLE to get your FREE report \n","text":"Company chooses not to provide a public response","context":": They have made it IMPOSSIBLE to get your FREE report \n : Company chooses not to provide a public response"},{"Question":"I recently paid my mortgage company the amount they said I owed in arrearages to stop a foreclosure sale. As of today, they are informing me that the sale is still scheduled and they have not returned my payment. \n","text":"Company believes complaint is the result of an isolated error","context":": I recently paid my mortgage company the amount they said I owed in arrearages to stop a foreclosure sale. As of today, they are informing me that the sale is still scheduled and they have not returned my payment. \n : Company believes complaint is the result of an isolated error"},{"Question":"I have filed a total of XXXX disputes with this credit reporting agency. The XXXX other credit reporting agencies HAVE corrected or removed errors. The third ignores my disputes as well as proof I have sent them of their errors on my credit report! \n","text":"Company chooses not to provide a public response","context":": I have filed a total of XXXX disputes with this credit reporting agency. The XXXX other credit reporting agencies HAVE corrected or removed errors. The third ignores my disputes as well as proof I have sent them of their errors on my credit report! \n : Company chooses not to provide a public response"},{"Question":"I had a car loan with XXXX XXXX that was paid as agreed and never late. Recently I checked my credit reports online and they have XXXX XXXX showing up with several negative marks. \n","text":"Company chooses not to provide a public response","context":": I had a car loan with XXXX XXXX that was paid as agreed and never late. Recently I checked my credit reports online and they have XXXX XXXX showing up with several negative marks. \n : Company chooses not to provide a public response"},{"Question":"The employment info is incorrect. I have never worked at XXXX or XXXX. I 've work for XXXX XXXX for the past 15 years. Not sure who is reporting this bogus info. \n","text":"Company chooses not to provide a public response","context":": The employment info is incorrect. I have never worked at XXXX or XXXX. I 've work for XXXX XXXX for the past 15 years. Not sure who is reporting this bogus info. \n : Company chooses not to provide a public response"},{"Question":"There is a credit card listed on my credit report that is not mine. It belongs to my ex-husband. It is the credit card with XXXX XXXX visa. I do n't even have a credit account with XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": There is a credit card listed on my credit report that is not mine. It belongs to my ex-husband. It is the credit card with XXXX XXXX visa. I do n't even have a credit account with XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I would like delete the debt in my credit report because the debt was paid in agreements by {$700.00}. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I would like delete the debt in my credit report because the debt was paid in agreements by {$700.00}. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I Paid a debt off with XXXX. XXXX other credit reporting agencies removed the debt, but trans union has not. I called XXXX and they said they have reported it paid, it is trans unions problem now. \n","text":"Company chooses not to provide a public response","context":": I Paid a debt off with XXXX. XXXX other credit reporting agencies removed the debt, but trans union has not. I called XXXX and they said they have reported it paid, it is trans unions problem now. \n : Company chooses not to provide a public response"},{"Question":"My foreclosure was finalized XXXX XXXX 2007. There was no activity since this date however, Experian only is still reporting it on my credit report which is causing me an issue with getting a home loan. I demand that Experian removes this XXXX year item from my report right away. \n","text":"Company chooses not to provide a public response","context":": My foreclosure was finalized XXXX XXXX 2007. There was no activity since this date however, Experian only is still reporting it on my credit report which is causing me an issue with getting a home loan. I demand that Experian removes this XXXX year item from my report right away. \n : Company chooses not to provide a public response"},{"Question":"I am behind on paying the loan, and take full responsibility. However, I am getting into trouble at work due to this company contacting my employer. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am behind on paying the loan, and take full responsibility. However, I am getting into trouble at work due to this company contacting my employer. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"CHEXSYSTEMS HAS FAILED TO REMOVE ALL NEGATIVE REPORTING HISTORY FROM CHEXSYSTEMS REPORT. ALL ACCOUNTS THAT ARE LISTED IN CHEXSYSTEMS WERE INCLUDED IN CHAPTER XXXX BANKRUPTCY. BY LAW THIS ACCOUNTS HAVE TO BE REMOVED AND DELETED FROM MY CHEXSYSTEMS REPORT. \n","text":"Company chooses not to provide a public response","context":": CHEXSYSTEMS HAS FAILED TO REMOVE ALL NEGATIVE REPORTING HISTORY FROM CHEXSYSTEMS REPORT. ALL ACCOUNTS THAT ARE LISTED IN CHEXSYSTEMS WERE INCLUDED IN CHAPTER XXXX BANKRUPTCY. BY LAW THIS ACCOUNTS HAVE TO BE REMOVED AND DELETED FROM MY CHEXSYSTEMS REPORT. \n : Company chooses not to provide a public response"},{"Question":"Payments are too high. Needed the loans to attend college. Wish to pay back but need lower payments. SC Student Loan charging a 9 % interest rate which is way higher than the market and will not negotiate to lower the rate or spread out the payments. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Payments are too high. Needed the loans to attend college. Wish to pay back but need lower payments. SC Student Loan charging a 9 % interest rate which is way higher than the market and will not negotiate to lower the rate or spread out the payments. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was told that I had 0 % interest charge. I was not informed or warned about the deferred interest charge. \n","text":"Company chooses not to provide a public response","context":": I was told that I had 0 % interest charge. I was not informed or warned about the deferred interest charge. \n : Company chooses not to provide a public response"},{"Question":"I WANTED TO CLOSE AN ACCOUNT WITH WELLSFARGO. THE BANKER SUGGESTED TO LEAVE IT OPEN. THEY HAVE CHARGED ME WITH BANK FEES AND WANT ME TO PAY FOR IT. \n","text":"Company chooses not to provide a public response","context":": I WANTED TO CLOSE AN ACCOUNT WITH WELLSFARGO. THE BANKER SUGGESTED TO LEAVE IT OPEN. THEY HAVE CHARGED ME WITH BANK FEES AND WANT ME TO PAY FOR IT. \n : Company chooses not to provide a public response"},{"Question":"I have several companies that are showing bad credit for accounts that are over 10 years old. All the negative remarks are wrong except for the medical debts that were acquired in the past 3 years everything else is well over 7 years old. \n","text":"Company chooses not to provide a public response","context":": I have several companies that are showing bad credit for accounts that are over 10 years old. All the negative remarks are wrong except for the medical debts that were acquired in the past 3 years everything else is well over 7 years old. \n : Company chooses not to provide a public response"},{"Question":"Account was opened by person whom did not have permission to use SSN to open the XXXX account. I did not know that the account was opened in my name using my personal information and SSN. This is identity theft. \n","text":"Company chooses not to provide a public response","context":": Account was opened by person whom did not have permission to use SSN to open the XXXX account. I did not know that the account was opened in my name using my personal information and SSN. This is identity theft. \n : Company chooses not to provide a public response"},{"Question":"Repeated phone calls from fortiva financial before XXXX and after XXXX. Atleast XXXX phone calls per day. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Repeated phone calls from fortiva financial before XXXX and after XXXX. Atleast XXXX phone calls per day. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Regions Bank charged my account for a XXXX charge that I did not authorized and made my account overdrawn with insufficient funds. This caused a {$36.00} fee Regions charged to me. The XXXX charge was not authorized and Regions charged it to my checking account. \n","text":"Company chooses not to provide a public response","context":": Regions Bank charged my account for a XXXX charge that I did not authorized and made my account overdrawn with insufficient funds. This caused a {$36.00} fee Regions charged to me. The XXXX charge was not authorized and Regions charged it to my checking account. \n : Company chooses not to provide a public response"},{"Question":"I notice tonight that my Credit report had a hard injury on it that I know nothing about. The company is XXXX XXXX. I did n't try to get a loan with this compay. Could you please get this checked out for me. \n","text":"Company chooses not to provide a public response","context":": I notice tonight that my Credit report had a hard injury on it that I know nothing about. The company is XXXX XXXX. I did n't try to get a loan with this compay. Could you please get this checked out for me. \n : Company chooses not to provide a public response"},{"Question":"Transunion has erroneously changed the status of my XXXX XXXX XXXX account to \" late ''. This account was paid in full and my reports reflected as such. Upon a credit pull today, my report changed to \" late '' thereby affecting my score. \n","text":"Company chooses not to provide a public response","context":": Transunion has erroneously changed the status of my XXXX XXXX XXXX account to \" late ''. This account was paid in full and my reports reflected as such. Upon a credit pull today, my report changed to \" late '' thereby affecting my score. \n : Company chooses not to provide a public response"},{"Question":"Thy continue to say that the account thats reporting this is verifying there records are correct. \n","text":"Company chooses not to provide a public response","context":": Thy continue to say that the account thats reporting this is verifying there records are correct. \n : Company chooses not to provide a public response"},{"Question":"The bank did not validate this debt based on the FCRA. I do not owe the alleged debt. \n","text":"Company chooses not to provide a public response","context":": The bank did not validate this debt based on the FCRA. I do not owe the alleged debt. \n : Company chooses not to provide a public response"},{"Question":"Bank of America is reporting my old account as \" late '' XXXX. This account was paid in full. They were reporting correctly and then erroneously changed my reports. \n","text":"Company chooses not to provide a public response","context":": Bank of America is reporting my old account as \" late '' XXXX. This account was paid in full. They were reporting correctly and then erroneously changed my reports. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Tennessee XXXXThis debt is over 6 years old XXXX 2009 and was included in a previous Chapter XXXX that they never responded to. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Tennessee XXXXThis debt is over 6 years old XXXX 2009 and was included in a previous Chapter XXXX that they never responded to. \n : Company chooses not to provide a public response"},{"Question":"Bank issued counterfeit bills and refuses to thoroughly investigate the issue to prevent reoccurrences and make the claimant whole again. The bank in question is the BB & T bank in XXXX, Virginia. \n","text":"Company chooses not to provide a public response","context":": Bank issued counterfeit bills and refuses to thoroughly investigate the issue to prevent reoccurrences and make the claimant whole again. The bank in question is the BB & T bank in XXXX, Virginia. \n : Company chooses not to provide a public response"},{"Question":"the amount shown is way out of proportionit was XXXX how did it go to XXXX that 's just wrong its much XXXX costed me \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": the amount shown is way out of proportionit was XXXX how did it go to XXXX that 's just wrong its much XXXX costed me \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Disputed last paid XXXX, on ( XXXX ) credit bureaus, company came back with XXXX as there date. XXXX C\/R XXXXshows XXXX late payment XXXX, account listed as open credit. \n","text":"Company chooses not to provide a public response","context":": Disputed last paid XXXX, on ( XXXX ) credit bureaus, company came back with XXXX as there date. XXXX C\/R XXXXshows XXXX late payment XXXX, account listed as open credit. \n : Company chooses not to provide a public response"},{"Question":"I need to erase from my credit report, it appear money that i never took any loan from XXXX XXXX ... .... \n\nPartial account number : XXXX {$220.00} I never took any loan of this amount ... ... \n","text":"Company chooses not to provide a public response","context":": I need to erase from my credit report, it appear money that i never took any loan from XXXX XXXX ... .... \n\nPartial account number : XXXX {$220.00} I never took any loan of this amount ... ... \n : Company chooses not to provide a public response"},{"Question":"I purchased a vehicle in XXXX of 2014 and every credit inquiry is listed twice. All XXXX listed hard inquiries are for the same vehicle purchase. \n","text":"Company chooses not to provide a public response","context":": I purchased a vehicle in XXXX of 2014 and every credit inquiry is listed twice. All XXXX listed hard inquiries are for the same vehicle purchase. \n : Company chooses not to provide a public response"},{"Question":"experian would not delete wrong information \n","text":"Company chooses not to provide a public response","context":": experian would not delete wrong information \n : Company chooses not to provide a public response"},{"Question":"I have filed complain with all XXXX credit bureau 90 days a go and still have n't gotany reply back \n","text":"Company chooses not to provide a public response","context":": I have filed complain with all XXXX credit bureau 90 days a go and still have n't gotany reply back \n : Company chooses not to provide a public response"},{"Question":"transunion would not delete wrong information. \n","text":"Company chooses not to provide a public response","context":": transunion would not delete wrong information. \n : Company chooses not to provide a public response"},{"Question":"Someone claiming to be XXXX XXXX continues to call my job after I told them I do not have any outstanding debt, to stop calling me at work and to mail me whatever information they have against me. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Someone claiming to be XXXX XXXX continues to call my job after I told them I do not have any outstanding debt, to stop calling me at work and to mail me whatever information they have against me. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Never recieved a bill so i do not understand why im recieving this letter. I have insuranc so i should be covered for whatever procedure! \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Never recieved a bill so i do not understand why im recieving this letter. I have insuranc so i should be covered for whatever procedure! \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"all late payments and inquiry and other negative info on my report and filled complaintwith all XXXX credit bureau and never got any response in timely manner \n","text":"Company chooses not to provide a public response","context":": all late payments and inquiry and other negative info on my report and filled complaintwith all XXXX credit bureau and never got any response in timely manner \n : Company chooses not to provide a public response"},{"Question":"Every thing that should have been removed was n't. \n","text":"Company chooses not to provide a public response","context":": Every thing that should have been removed was n't. \n : Company chooses not to provide a public response"},{"Question":"Ocwen issued a Notice of Default, through XXXX XXXX XXXX XXXX, without granting the \" In Person Meet and Confer '' provided by the WA State Foreclosure Fairness Act. I have made XXXX formal requests for the meeting. \n","text":"Company chooses not to provide a public response","context":": Ocwen issued a Notice of Default, through XXXX XXXX XXXX XXXX, without granting the \" In Person Meet and Confer '' provided by the WA State Foreclosure Fairness Act. I have made XXXX formal requests for the meeting. \n : Company chooses not to provide a public response"},{"Question":"I am & have been paying for XXXX years a monthly amount to this DEBT COLLECTOR XXXX. XXXX the debt collector, FIRST SOURCE XXXXrefuse to stop reporting this debt as un collectable, regardless of my paying for XXXX years. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am & have been paying for XXXX years a monthly amount to this DEBT COLLECTOR XXXX. XXXX the debt collector, FIRST SOURCE XXXXrefuse to stop reporting this debt as un collectable, regardless of my paying for XXXX years. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Experian is falsely reporting that I filed a Chapter XXXX bankruptcy and obstinately refusing to delete XXXX accounts from Bank of America that they are wrongfully reporting as discharged in a Chapter XXXX bankruptcy. This is damaging a mortgage application I have pending. \n","text":"Company chooses not to provide a public response","context":": Experian is falsely reporting that I filed a Chapter XXXX bankruptcy and obstinately refusing to delete XXXX accounts from Bank of America that they are wrongfully reporting as discharged in a Chapter XXXX bankruptcy. This is damaging a mortgage application I have pending. \n : Company chooses not to provide a public response"},{"Question":"I mailed a letter to Medical Business Bureau in XXXX disputing these accounts and demanding legal validation. Not only dod I never receive a response but I see a new account on my current credit report I knew nothing about. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I mailed a letter to Medical Business Bureau in XXXX disputing these accounts and demanding legal validation. Not only dod I never receive a response but I see a new account on my current credit report I knew nothing about. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I wrote National Credit System in XXXX disputing this and demanding legal validation. They ignored my request and are still reporting it to the credit bureaus. \n","text":"Company disputes the facts presented in the complaint","context":": I wrote National Credit System in XXXX disputing this and demanding legal validation. They ignored my request and are still reporting it to the credit bureaus. \n : Company disputes the facts presented in the complaint"},{"Question":"There was a summary judgement against me that was later dismissed. Experian still reports it as open. I filed a dispute in XXXX of last year, but they have n't updated it. \n","text":"Company chooses not to provide a public response","context":": There was a summary judgement against me that was later dismissed. Experian still reports it as open. I filed a dispute in XXXX of last year, but they have n't updated it. \n : Company chooses not to provide a public response"},{"Question":"Consistently calling me at work even though I told them that I can not take calls at work \n","text":"Company chooses not to provide a public response","context":": Consistently calling me at work even though I told them that I can not take calls at work \n : Company chooses not to provide a public response"},{"Question":"my name is XXXX XXXX I have never lived on XXXX XXXX in ohio my ex husband married a girl that lived there her name is XXXX not me XXXX \n","text":"Company chooses not to provide a public response","context":": my name is XXXX XXXX I have never lived on XXXX XXXX in ohio my ex husband married a girl that lived there her name is XXXX not me XXXX \n : Company chooses not to provide a public response"},{"Question":"Constantly being called about fictitious amounts on a credit card that was supposedly canceled years ago. I have no clue why there would be a charge, I cant verify what any charge would be from, and I cant verify who exactly is calling me. The last call received was from XXXX \n","text":"Company chooses not to provide a public response","context":": Constantly being called about fictitious amounts on a credit card that was supposedly canceled years ago. I have no clue why there would be a charge, I cant verify what any charge would be from, and I cant verify who exactly is calling me. The last call received was from XXXX \n : Company chooses not to provide a public response"},{"Question":"Was not provided with a TRUTH IN LENDING DISCLOSURE or a HUD prior to sitting at the settlement table. I do have copies of several emails I sent requesting this information beginning 14 days prior to the scheduled settlement date. \n","text":"Company chooses not to provide a public response","context":": Was not provided with a TRUTH IN LENDING DISCLOSURE or a HUD prior to sitting at the settlement table. I do have copies of several emails I sent requesting this information beginning 14 days prior to the scheduled settlement date. \n : Company chooses not to provide a public response"},{"Question":"I have a loan that is now well over 30 % LTV and the lender still will not remove the PMI \n","text":"Company chooses not to provide a public response","context":": I have a loan that is now well over 30 % LTV and the lender still will not remove the PMI \n : Company chooses not to provide a public response"},{"Question":"XXXX account listed on my credit report with XXXX TransUnion has been paid and closed since XXXX 2007. I would like this account removed from my credit report as it has been over 7 years. \n","text":"Company chooses not to provide a public response","context":": XXXX account listed on my credit report with XXXX TransUnion has been paid and closed since XXXX 2007. I would like this account removed from my credit report as it has been over 7 years. \n : Company chooses not to provide a public response"},{"Question":"i applied for a loan with one main financial serval times because every time there an issue my score or my income is low and also same thing with my mother also they are the worst company everthey should not be in business.it what this company is pullingalso they act very nasty also \n","text":"Company chooses not to provide a public response","context":": i applied for a loan with one main financial serval times because every time there an issue my score or my income is low and also same thing with my mother also they are the worst company everthey should not be in business.it what this company is pullingalso they act very nasty also \n : Company chooses not to provide a public response"},{"Question":"NET SPEND HAD XXXX OPEN ACCOUNTS OF ME. DID NOT NOTIFIED ME AND IT AFFECTED MY CREDIT. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": NET SPEND HAD XXXX OPEN ACCOUNTS OF ME. DID NOT NOTIFIED ME AND IT AFFECTED MY CREDIT. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I took out a loan in 2008 for XXXX. I paid each month XXXX a month for a total of XXXX. I feel as though this loan is paid and their interest rates are outrageous. They are threatening to sue me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I took out a loan in 2008 for XXXX. I paid each month XXXX a month for a total of XXXX. I feel as though this loan is paid and their interest rates are outrageous. They are threatening to sue me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A money judgement pending in the Maine XXXX Court - XXXX, ME. was satisfied and dismissed. ( see attached Satisfaction of Judgment & Certified Court Docket ). I wish to remove this Public Record from my credit file as it negatively impacts my XXXX scoring as an erroneous record. \n","text":"Company chooses not to provide a public response","context":": A money judgement pending in the Maine XXXX Court - XXXX, ME. was satisfied and dismissed. ( see attached Satisfaction of Judgment & Certified Court Docket ). I wish to remove this Public Record from my credit file as it negatively impacts my XXXX scoring as an erroneous record. \n : Company chooses not to provide a public response"},{"Question":"Still reporting a judgement docket # : XXXX from 2008 on my credit report that is seven years old. \n","text":"Company chooses not to provide a public response","context":": Still reporting a judgement docket # : XXXX from 2008 on my credit report that is seven years old. \n : Company chooses not to provide a public response"},{"Question":"Still reporting a judgement docket # : XXXX from 2008 on my credit report that is XXXX years old. \n","text":"Company chooses not to provide a public response","context":": Still reporting a judgement docket # : XXXX from 2008 on my credit report that is XXXX years old. \n : Company chooses not to provide a public response"},{"Question":"Credit bureau continues to allow XXXX accts to remain on my acct without providing proof of requested validation. I deny XXXX accts that continue to be shown and stated sold to diff companies with each complaint. \n","text":"Company chooses not to provide a public response","context":": Credit bureau continues to allow XXXX accts to remain on my acct without providing proof of requested validation. I deny XXXX accts that continue to be shown and stated sold to diff companies with each complaint. \n : Company chooses not to provide a public response"},{"Question":"This account had balance of XXXX and i did not use or authorize to go to XXXX that 's in sane not right at all \n","text":"Company chooses not to provide a public response","context":": This account had balance of XXXX and i did not use or authorize to go to XXXX that 's in sane not right at all \n : Company chooses not to provide a public response"},{"Question":"Bank of America did not credit me XXXX mile promotion for opening Alaska XXXX XXXX card \n","text":"Company chooses not to provide a public response","context":": Bank of America did not credit me XXXX mile promotion for opening Alaska XXXX XXXX card \n : Company chooses not to provide a public response"},{"Question":"I am current on my account with XXXX and have receipts to prove it and the company is showing my account is late and I 've missed a payment. I have spoken to the company but they have n't corrected their mistake \n","text":"Company chooses not to provide a public response","context":": I am current on my account with XXXX and have receipts to prove it and the company is showing my account is late and I 've missed a payment. I have spoken to the company but they have n't corrected their mistake \n : Company chooses not to provide a public response"},{"Question":"wrong account i did not use hospital \n","text":"Company chooses not to provide a public response","context":": wrong account i did not use hospital \n : Company chooses not to provide a public response"},{"Question":"the balance was XXXX $ and XXXX $ latte fee total shood be XXXX $ and be send to me to pay it off \n","text":"Company chooses not to provide a public response","context":": the balance was XXXX $ and XXXX $ latte fee total shood be XXXX $ and be send to me to pay it off \n : Company chooses not to provide a public response"},{"Question":"In need of immediate assistance against Bank of America , NA. \n","text":"Company chooses not to provide a public response","context":": In need of immediate assistance against Bank of America , NA. \n : Company chooses not to provide a public response"},{"Question":"My report seems to have several new hard inquiries from XXXX XXXX and XXXX that I never authorized ( and most are from companies I 've never heard of ). Additionally I 've been associated with XXXX new employers as of XXXX XXXX and that is incorrect as well. \n","text":"Company chooses not to provide a public response","context":": My report seems to have several new hard inquiries from XXXX XXXX and XXXX that I never authorized ( and most are from companies I 've never heard of ). Additionally I 've been associated with XXXX new employers as of XXXX XXXX and that is incorrect as well. \n : Company chooses not to provide a public response"},{"Question":"I believe someone is using my identity. Stolen my credit \n","text":"Company chooses not to provide a public response","context":": I believe someone is using my identity. Stolen my credit \n : Company chooses not to provide a public response"},{"Question":"Preventing steering, XXXX sever the essential linkbetween the price and sales XXXX by denying merchantsthe opportunity to influence their customers ' payment decisions andthereby shift spending to less expensive cards. '' \n","text":"Company chooses not to provide a public response","context":": Preventing steering, XXXX sever the essential linkbetween the price and sales XXXX by denying merchantsthe opportunity to influence their customers ' payment decisions andthereby shift spending to less expensive cards. '' \n : Company chooses not to provide a public response"},{"Question":"Bank of America has inaccurate information listed as these accounts were short sold and paid as agreed. Please see attached. I am requesting assistance in this matter. I feel they are also coded incorrectly with all XXXX credit agencies from BOA data \n","text":"Company chooses not to provide a public response","context":": Bank of America has inaccurate information listed as these accounts were short sold and paid as agreed. Please see attached. I am requesting assistance in this matter. I feel they are also coded incorrectly with all XXXX credit agencies from BOA data \n : Company chooses not to provide a public response"},{"Question":"Keep calling to take me to court without telling me the name of theircompany.After i repeatedly request for their information and they hang up on me \n","text":"Company believes complaint represents an opportunity for improvement to better serve consumers","context":": Keep calling to take me to court without telling me the name of theircompany.After i repeatedly request for their information and they hang up on me \n : Company believes complaint represents an opportunity for improvement to better serve consumers"},{"Question":"I have never had XXXX XXXX XXXX. This was disputed once before and removed from my credit profile nearly a year ago and now it reappears. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I have never had XXXX XXXX XXXX. This was disputed once before and removed from my credit profile nearly a year ago and now it reappears. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Trans Union is not responding to my numerous requests to investigate and remove accounts from my credit report that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Trans Union is not responding to my numerous requests to investigate and remove accounts from my credit report that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"i do n't know who these people even are i 've never had a credit anything company \n","text":"Company chooses not to provide a public response","context":": i do n't know who these people even are i 've never had a credit anything company \n : Company chooses not to provide a public response"},{"Question":"I try and opening a account with wells fargo i want to know why it wont let me and they told me to contact the consumer finance for more info \n","text":"Company chooses not to provide a public response","context":": I try and opening a account with wells fargo i want to know why it wont let me and they told me to contact the consumer finance for more info \n : Company chooses not to provide a public response"},{"Question":"Provide incorrect debt information to credit agencies despite emails, letter and documentation submitted to them. Ignoring and neglecting to respond to documentation and failure to perform proper debt verification. \n","text":"Company chooses not to provide a public response","context":": Provide incorrect debt information to credit agencies despite emails, letter and documentation submitted to them. Ignoring and neglecting to respond to documentation and failure to perform proper debt verification. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX from Warner Asset Location Services ' Legal Department called me looking for my ex sister-in-law, stating that there was a complaint filed against her and XXXX wanted to help my ex sister in law defend herself. \n","text":"Company disputes the facts presented in the complaint","context":": XXXX XXXX from Warner Asset Location Services ' Legal Department called me looking for my ex sister-in-law, stating that there was a complaint filed against her and XXXX wanted to help my ex sister in law defend herself. \n : Company disputes the facts presented in the complaint"},{"Question":"i told them i had no knowledge of the collection contacting me i also had a public record that was vacated but its on my credit report. \n","text":"Company chooses not to provide a public response","context":": i told them i had no knowledge of the collection contacting me i also had a public record that was vacated but its on my credit report. \n : Company chooses not to provide a public response"},{"Question":"Used foul, and obscene language \n","text":"Company chooses not to provide a public response","context":": Used foul, and obscene language \n : Company chooses not to provide a public response"},{"Question":"In XXXX of 2013 I paid a past due medical bill two months after it was reported as past due on my credit report. The medical bill is still showing as in collections even though it was paid over two years ago. \n","text":"Company chooses not to provide a public response","context":": In XXXX of 2013 I paid a past due medical bill two months after it was reported as past due on my credit report. The medical bill is still showing as in collections even though it was paid over two years ago. \n : Company chooses not to provide a public response"},{"Question":"Experian is reporting monthly data that includes a delinquency\/charge off for XX\/XX\/2008 for XXXX. That is beyond the 7 yr reporting time. \n","text":"Company chooses not to provide a public response","context":": Experian is reporting monthly data that includes a delinquency\/charge off for XX\/XX\/2008 for XXXX. That is beyond the 7 yr reporting time. \n : Company chooses not to provide a public response"},{"Question":"Foreclosure finalized XXXX. Experian indicates foreclosure XXXX as well but also has a monthly update for foreclosure in XXXX which makes issue report as more recent and is affecting current score. \n","text":"Company chooses not to provide a public response","context":": Foreclosure finalized XXXX. Experian indicates foreclosure XXXX as well but also has a monthly update for foreclosure in XXXX which makes issue report as more recent and is affecting current score. \n : Company chooses not to provide a public response"},{"Question":"Reporting to credit report balance was settled less than full balance. Sent me letter stating that {$590.00} was paid and I have no further obligation for this account. Account is still open on my credit report. I paid a total {$1000.00} \n","text":"Company chooses not to provide a public response","context":": Reporting to credit report balance was settled less than full balance. Sent me letter stating that {$590.00} was paid and I have no further obligation for this account. Account is still open on my credit report. I paid a total {$1000.00} \n : Company chooses not to provide a public response"},{"Question":"I surrendered my property as part of bankruptcy in XX\/XX\/XXXX. I was discharged in XX\/XX\/XXXX. I can send that doc if you like. Bank of American continues to send me threatening bills for my mortgage. \n","text":"Company chooses not to provide a public response","context":": I surrendered my property as part of bankruptcy in XX\/XX\/XXXX. I was discharged in XX\/XX\/XXXX. I can send that doc if you like. Bank of American continues to send me threatening bills for my mortgage. \n : Company chooses not to provide a public response"},{"Question":"I noticed that this collection appeared on my credit report but i was never notified of the debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I noticed that this collection appeared on my credit report but i was never notified of the debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There are XXXX accounts that are reporting a bill past due twice same date, same ammount. But it 's on my credit report 2 times. Ist is XXXX for XXXX dollars. The 2nd is XXXX XXXX these are on my report twice each. do I owe these twice or do I owe these once.XXXX \n","text":"Company chooses not to provide a public response","context":": There are XXXX accounts that are reporting a bill past due twice same date, same ammount. But it 's on my credit report 2 times. Ist is XXXX for XXXX dollars. The 2nd is XXXX XXXX these are on my report twice each. do I owe these twice or do I owe these once.XXXX \n : Company chooses not to provide a public response"},{"Question":"I recently checked my credit report and discovered that this company reported that I owe them but I have never received prior notice that I owed them. My right to validation was not afforded to me under the FDCPA before they reported it to the CRA \n","text":"Company can't verify or dispute the facts in the complaint","context":": I recently checked my credit report and discovered that this company reported that I owe them but I have never received prior notice that I owed them. My right to validation was not afforded to me under the FDCPA before they reported it to the CRA \n : Company can't verify or dispute the facts in the complaint"},{"Question":"They keep calling. I have stopped answering due to the rudeness and threatening tone they use. Refuse to give me any information pertaining to exactly what the debt is and who from. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They keep calling. I have stopped answering due to the rudeness and threatening tone they use. Refuse to give me any information pertaining to exactly what the debt is and who from. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Experian has listed XXXX XXXX XXXX as an alias. Numerous accounts are her accounts. I have NEVER used the name XXXX XXXX XXXX nor do I know anyone by that name. I submitted a dispute, but to no avail. It only shows as a comment. \n","text":"Company chooses not to provide a public response","context":": Experian has listed XXXX XXXX XXXX as an alias. Numerous accounts are her accounts. I have NEVER used the name XXXX XXXX XXXX nor do I know anyone by that name. I submitted a dispute, but to no avail. It only shows as a comment. \n : Company chooses not to provide a public response"},{"Question":"Call from XXXX every morning on my cell phone, only XXXX ring. Based on XXXX they always only leave XXXX ring. It appears to be debt collectors. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Call from XXXX every morning on my cell phone, only XXXX ring. Based on XXXX they always only leave XXXX ring. It appears to be debt collectors. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Specialized Loan servicing started charging me monthly late fees once they bought my loan out from XXXX XXXX. They will not respond to my e-mail request to correct their mistake. I followed the procedure given to me from their customer support telephone contact number. \n","text":"Company chooses not to provide a public response","context":": Specialized Loan servicing started charging me monthly late fees once they bought my loan out from XXXX XXXX. They will not respond to my e-mail request to correct their mistake. I followed the procedure given to me from their customer support telephone contact number. \n : Company chooses not to provide a public response"},{"Question":"I have absolutely no connection to XXXX XXXX XXXX and want it removed from my credit immediately. If found that someone else used my credit, I want to prosecute to the fullest extent. \n","text":"Company chooses not to provide a public response","context":": I have absolutely no connection to XXXX XXXX XXXX and want it removed from my credit immediately. If found that someone else used my credit, I want to prosecute to the fullest extent. \n : Company chooses not to provide a public response"},{"Question":"I have been a victim of Identity Theft. It is affecting my credit report. Please look into this. Thank you. \n","text":"Company chooses not to provide a public response","context":": I have been a victim of Identity Theft. It is affecting my credit report. Please look into this. Thank you. \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo Bank Auto Finance agreed to cancel two scheduled payments forXXXX XXXX and XXXX XXXX, 2015 in response to Consumer Financial Protection Bureau case # XXXX. Instead, they collected {$1300.00} through bankadjustment from my Wells Fargo checking account. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo Bank Auto Finance agreed to cancel two scheduled payments forXXXX XXXX and XXXX XXXX, 2015 in response to Consumer Financial Protection Bureau case # XXXX. Instead, they collected {$1300.00} through bankadjustment from my Wells Fargo checking account. \n : Company chooses not to provide a public response"},{"Question":"Called Experian and was not able to help me. \nOn annual report.com I put my info in and system will not accept any of the security info system provided me to put in. \n","text":"Company chooses not to provide a public response","context":": Called Experian and was not able to help me. \nOn annual report.com I put my info in and system will not accept any of the security info system provided me to put in. \n : Company chooses not to provide a public response"},{"Question":"I sent a cert. Letter to Experian but they never responded. \n","text":"Company chooses not to provide a public response","context":": I sent a cert. Letter to Experian but they never responded. \n : Company chooses not to provide a public response"},{"Question":"Chapter XXXX bankruptcy relieved debt for Pro Collect, which is still reported as derogatory collections even two years after discharge. \n","text":"Company chooses not to provide a public response","context":": Chapter XXXX bankruptcy relieved debt for Pro Collect, which is still reported as derogatory collections even two years after discharge. \n : Company chooses not to provide a public response"},{"Question":"I saw an open account on my credit that does not belong to me not even sure what it is. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I saw an open account on my credit that does not belong to me not even sure what it is. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They keep calling me at work, my cell phone, my family, and friend. \nThey call many times of day. \nI do n't want to lose my job over this. \nThey threatened my son. \n","text":"Company chooses not to provide a public response","context":": They keep calling me at work, my cell phone, my family, and friend. \nThey call many times of day. \nI do n't want to lose my job over this. \nThey threatened my son. \n : Company chooses not to provide a public response"},{"Question":"Paid Late by Insurance Company \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Paid Late by Insurance Company \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Saw runs of my credit not authorized by me \n","text":"Company chooses not to provide a public response","context":": Saw runs of my credit not authorized by me \n : Company chooses not to provide a public response"},{"Question":"This collector called my dad and asked for my phone number and other information, My dad is on the Do Not Call List. He would not give them any info, and they became pushy, rude and forcefull. My dad had to hang up on them. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This collector called my dad and asked for my phone number and other information, My dad is on the Do Not Call List. He would not give them any info, and they became pushy, rude and forcefull. My dad had to hang up on them. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Seen address, phone numbers and public record that are not mine. \n","text":"Company chooses not to provide a public response","context":": Seen address, phone numbers and public record that are not mine. \n : Company chooses not to provide a public response"},{"Question":"In XX\/XX\/XXXX, I purchased a home through a third party lender. The loan was purchased by Bank of America. Bank of America foreclosed on the property in XXXX XXXX, but continued to show late payments on the mortgage until XXXX of XXXX on my credit report. \n","text":"Company chooses not to provide a public response","context":": In XX\/XX\/XXXX, I purchased a home through a third party lender. The loan was purchased by Bank of America. Bank of America foreclosed on the property in XXXX XXXX, but continued to show late payments on the mortgage until XXXX of XXXX on my credit report. \n : Company chooses not to provide a public response"},{"Question":"A credit card that I believe I once had but was paid off years ago is still listed on my credit report, showing a balance and a date of a recent reported payment. The credit card company says that I have no active account with them. I obtained my credit report from TransUnion. \n","text":"Company chooses not to provide a public response","context":": A credit card that I believe I once had but was paid off years ago is still listed on my credit report, showing a balance and a date of a recent reported payment. The credit card company says that I have no active account with them. I obtained my credit report from TransUnion. \n : Company chooses not to provide a public response"},{"Question":"I received a loan in XXXX 2006 from America 's Wholesale Lender which in my opinion is predatory. \n","text":"Company chooses not to provide a public response","context":": I received a loan in XXXX 2006 from America 's Wholesale Lender which in my opinion is predatory. \n : Company chooses not to provide a public response"},{"Question":"Experian has not removed issue. \n","text":"Company chooses not to provide a public response","context":": Experian has not removed issue. \n : Company chooses not to provide a public response"},{"Question":"US Bank Corp denied me the ability to rescind a credit card offer violating federal law. \n","text":"Company chooses not to provide a public response","context":": US Bank Corp denied me the ability to rescind a credit card offer violating federal law. \n : Company chooses not to provide a public response"},{"Question":"This collection has already been removed from my XXXX credit report and should have been removed from XXXX and XXXX as well. I am attaching proof the the collection has already been removed. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This collection has already been removed from my XXXX credit report and should have been removed from XXXX and XXXX as well. I am attaching proof the the collection has already been removed. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX loan was charged interest up front in addition to online payment fees, miscellaneous fees, and fees accrued even though no payment was due and account was prepaid. \n","text":"Company disputes the facts presented in the complaint","context":": XXXX loan was charged interest up front in addition to online payment fees, miscellaneous fees, and fees accrued even though no payment was due and account was prepaid. \n : Company disputes the facts presented in the complaint"},{"Question":"Today I discovered a negative credit item a had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Today I discovered a negative credit item a had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This company called 4 times in a stretch of 5 hours. And when I answer it, it is a recording saying this is an important call \n","text":"Company chooses not to provide a public response","context":": This company called 4 times in a stretch of 5 hours. And when I answer it, it is a recording saying this is an important call \n : Company chooses not to provide a public response"},{"Question":"I tried to send a notice to agency via certified mail and they refused delivery.. sent to address given on collection letter. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I tried to send a notice to agency via certified mail and they refused delivery.. sent to address given on collection letter. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have several hard credit inquiries on my credit report I have not approved any agencies to inquire about my credit.Also there are accounts that are over 8-years old that I have asked to be removed and they 're still there and when I request they be removed I am given the run around. \n","text":"Company chooses not to provide a public response","context":": I have several hard credit inquiries on my credit report I have not approved any agencies to inquire about my credit.Also there are accounts that are over 8-years old that I have asked to be removed and they 're still there and when I request they be removed I am given the run around. \n : Company chooses not to provide a public response"},{"Question":"sw credit systems inc. for XXXX. my credit report states i owe them XXXX. I have no idea what this debt is? \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": sw credit systems inc. for XXXX. my credit report states i owe them XXXX. I have no idea what this debt is? \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My TransUnion credit report indicates a hard inquiry for XXXX on XXXX\/XXXX\/15. I did not apply to XXXX for credit. How can I resolve this? \n","text":"Company chooses not to provide a public response","context":": My TransUnion credit report indicates a hard inquiry for XXXX on XXXX\/XXXX\/15. I did not apply to XXXX for credit. How can I resolve this? \n : Company chooses not to provide a public response"},{"Question":"Item in my credit report are double and older than seven years. Also there are item listed in my credit report wich state that I recently open accounts and thats not true. \n","text":"Company chooses not to provide a public response","context":": Item in my credit report are double and older than seven years. Also there are item listed in my credit report wich state that I recently open accounts and thats not true. \n : Company chooses not to provide a public response"},{"Question":"It appears that the credit bureaus are reporting inaccurate statuses - never delinquent in 2008. Original creditor refused to remove this information. \n","text":"Company chooses not to provide a public response","context":": It appears that the credit bureaus are reporting inaccurate statuses - never delinquent in 2008. Original creditor refused to remove this information. \n : Company chooses not to provide a public response"},{"Question":"Never lived here:XXXXXXXX XXXX, TX XXXX \n","text":"Company chooses not to provide a public response","context":": Never lived here:XXXXXXXX XXXX, TX XXXX \n : Company chooses not to provide a public response"},{"Question":"Credit bureau keeps reporting inaccuracies related to XXXX XXXX tradeline. First and foremost, consumer was never late at any time in XX\/XX\/XXXX. The account has long been closed, and was sold off around XX\/XX\/XXXX. \n","text":"Company chooses not to provide a public response","context":": Credit bureau keeps reporting inaccuracies related to XXXX XXXX tradeline. First and foremost, consumer was never late at any time in XX\/XX\/XXXX. The account has long been closed, and was sold off around XX\/XX\/XXXX. \n : Company chooses not to provide a public response"},{"Question":"I bought a vehicle from a dealer in XXXX NY, AND they give me a New jersey, plate which was a fake license plate, and l got arrested, And they had no explanation for me, So i tell them i will like to return the vehicle, which I did, Come to find out they were some scam dealers \n","text":"Company chooses not to provide a public response","context":": I bought a vehicle from a dealer in XXXX NY, AND they give me a New jersey, plate which was a fake license plate, and l got arrested, And they had no explanation for me, So i tell them i will like to return the vehicle, which I did, Come to find out they were some scam dealers \n : Company chooses not to provide a public response"},{"Question":"My loan was serviced by XXXX XXXX and transferred to Mohela in XXXX 2015. My history of loan shows shocking info such as eight and five months period where my balance does not change despite a faithful monthly payments! XXXX has been ignoring my requests. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My loan was serviced by XXXX XXXX and transferred to Mohela in XXXX 2015. My history of loan shows shocking info such as eight and five months period where my balance does not change despite a faithful monthly payments! XXXX has been ignoring my requests. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I 'm trying to refinance my house but when they pull my credit score theycant get it??? 6 months ago it showed XXXX now It 's not available?? Theysaid Wells Fargo is n't sending the info on my house payments. Is thatpossible? please help me. How can I not have a credit score? \n","text":"Company chooses not to provide a public response","context":": I 'm trying to refinance my house but when they pull my credit score theycant get it??? 6 months ago it showed XXXX now It 's not available?? Theysaid Wells Fargo is n't sending the info on my house payments. Is thatpossible? please help me. How can I not have a credit score? \n : Company chooses not to provide a public response"},{"Question":"Unethical and discriminatory lending criteria. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Unethical and discriminatory lending criteria. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Can not verified my identity. \n","text":"Company chooses not to provide a public response","context":": Can not verified my identity. \n : Company chooses not to provide a public response"},{"Question":"it was payed-should have never been reported-credit protection if I could I would XXXX for this false report \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": it was payed-should have never been reported-credit protection if I could I would XXXX for this false report \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"THIS COMPLAINT REPLACES Case number : XXXX : It appears that the credit bureaus are reporting inaccurate statuses for XXXX & XXXX XXXX XXXX tradelines. Never delinquent in 2008. Original creditor refused to remove this information. \n","text":"Company chooses not to provide a public response","context":": THIS COMPLAINT REPLACES Case number : XXXX : It appears that the credit bureaus are reporting inaccurate statuses for XXXX & XXXX XXXX XXXX tradelines. Never delinquent in 2008. Original creditor refused to remove this information. \n : Company chooses not to provide a public response"},{"Question":"XXXX have my ssn wrong, when I had an original complaint they were unable to located my information due to the fact that they had my information wrong in the system. \n","text":"Company chooses not to provide a public response","context":": XXXX have my ssn wrong, when I had an original complaint they were unable to located my information due to the fact that they had my information wrong in the system. \n : Company chooses not to provide a public response"},{"Question":"Green Tree Servicing give and and all personal information to anybody that called them or that they called. And blew my phone and my family 's phones all day. They were very mean and made rude comments to us. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Green Tree Servicing give and and all personal information to anybody that called them or that they called. And blew my phone and my family 's phones all day. They were very mean and made rude comments to us. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Repeated calls even after I told them that the person they are calling is not at this number and to cease calling my cell phone or I would report them. I have NO DEBTS and I want these calls to stop! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Repeated calls even after I told them that the person they are calling is not at this number and to cease calling my cell phone or I would report them. I have NO DEBTS and I want these calls to stop! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I keep getting calls on my business phone from Focus Receivables. My business has absolutely no outstanding debt! \n","text":"Company can't verify or dispute the facts in the complaint","context":": I keep getting calls on my business phone from Focus Receivables. My business has absolutely no outstanding debt! \n : Company can't verify or dispute the facts in the complaint"},{"Question":"In XX\/XX\/XXXX, XXXX XXXX reported a hard inquiry dating back to XX\/XX\/XXXX \n","text":"Company chooses not to provide a public response","context":": In XX\/XX\/XXXX, XXXX XXXX reported a hard inquiry dating back to XX\/XX\/XXXX \n : Company chooses not to provide a public response"},{"Question":"hard inquiry I have XXXX inquiry on my report with the same company XXXX XXXX auto I would like them to be taking off if possible \n","text":"Company chooses not to provide a public response","context":": hard inquiry I have XXXX inquiry on my report with the same company XXXX XXXX auto I would like them to be taking off if possible \n : Company chooses not to provide a public response"},{"Question":"I lost my wallet and all my bank card was in with my information that how my account was closed I did report and told then excate what I am telling now I should not be in the XXXX cause some one still my identity. \n","text":"Company chooses not to provide a public response","context":": I lost my wallet and all my bank card was in with my information that how my account was closed I did report and told then excate what I am telling now I should not be in the XXXX cause some one still my identity. \n : Company chooses not to provide a public response"},{"Question":"Account has been duplicated. It should be XXXX account to XXXX not XXXX accounts. \n","text":"Company chooses not to provide a public response","context":": Account has been duplicated. It should be XXXX account to XXXX not XXXX accounts. \n : Company chooses not to provide a public response"},{"Question":"I REQUESTED FROM EXPERIAN TO PERMANENTLY REMOVEINCORRECT DOB:XX\/XX\/XXXX ON MY CREDIT FILE AND INQUIRIESREPORTED BY XXXX ON XX\/XX\/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ON XX\/XX\/XXXX & XX\/XX\/XXXX, AS IT WAS UNAUTHORIZED INQUIRIES. \n","text":"Company chooses not to provide a public response","context":": I REQUESTED FROM EXPERIAN TO PERMANENTLY REMOVEINCORRECT DOB:XX\/XX\/XXXX ON MY CREDIT FILE AND INQUIRIESREPORTED BY XXXX ON XX\/XX\/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ON XX\/XX\/XXXX & XX\/XX\/XXXX, AS IT WAS UNAUTHORIZED INQUIRIES. \n : Company chooses not to provide a public response"},{"Question":"I REQUESTED FROM TRANSUNION TO REMOVE INCORRECTSPELT NAME OF XXXX XXXX AND INQIURY BY XXXX ON XXXX\/XXXX\/2015, THAT WAS NOT AUTHORIZED BY ME. \n","text":"Company chooses not to provide a public response","context":": I REQUESTED FROM TRANSUNION TO REMOVE INCORRECTSPELT NAME OF XXXX XXXX AND INQIURY BY XXXX ON XXXX\/XXXX\/2015, THAT WAS NOT AUTHORIZED BY ME. \n : Company chooses not to provide a public response"},{"Question":"I gave a 30 day notice by fax and calling the apartment comlpex XXXX on the XXXX. \nI have called them and called and there telling they have no record. This has become a very frustrating. I dont know what to do at this point ... sorry but i need help .... \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I gave a 30 day notice by fax and calling the apartment comlpex XXXX on the XXXX. \nI have called them and called and there telling they have no record. This has become a very frustrating. I dont know what to do at this point ... sorry but i need help .... \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Credit card companies lower the credit limit, even after having the cards for over 10 years and always making payments on time. By them lowering the limit, the credit cards get maxed out and the credit score of course gets lowered! \n","text":"Company chooses not to provide a public response","context":": Credit card companies lower the credit limit, even after having the cards for over 10 years and always making payments on time. By them lowering the limit, the credit cards get maxed out and the credit score of course gets lowered! \n : Company chooses not to provide a public response"},{"Question":"I have a Bank of America credit card, and they recently -- without my permission -- changed my accounts notification system so that I did n't receive my normal email notification that my bill was coming due. This led to a missed payment and late charges that I should not incur. \n","text":"Company chooses not to provide a public response","context":": I have a Bank of America credit card, and they recently -- without my permission -- changed my accounts notification system so that I did n't receive my normal email notification that my bill was coming due. This led to a missed payment and late charges that I should not incur. \n : Company chooses not to provide a public response"},{"Question":"This account has past the XXXX year mark and has n't been removed off of my XXXX report. It has been removed from XXXX. But still remains on XXXX. By law it has exceeded the time that is allowed to be on my report. Thank you for your help in advance. \n","text":"Company chooses not to provide a public response","context":": This account has past the XXXX year mark and has n't been removed off of my XXXX report. It has been removed from XXXX. But still remains on XXXX. By law it has exceeded the time that is allowed to be on my report. Thank you for your help in advance. \n : Company chooses not to provide a public response"},{"Question":"Transunion is incorrectly reporting my XXXX XXXX XXXX account as late ; charged off. This account is PAID IN FULL. The reporting was correct and was recently erroneously changed. \n","text":"Company chooses not to provide a public response","context":": Transunion is incorrectly reporting my XXXX XXXX XXXX account as late ; charged off. This account is PAID IN FULL. The reporting was correct and was recently erroneously changed. \n : Company chooses not to provide a public response"},{"Question":"A garnishment was erroneously placed on my bank account XXXX legal fees were assessed for the order by the bank. The garnishment was lifted and all associated fees reversed aside from the legal order fees. Due to the erroneous nature of the garnishment, I want my fees reversed. \n","text":"Company chooses not to provide a public response","context":": A garnishment was erroneously placed on my bank account XXXX legal fees were assessed for the order by the bank. The garnishment was lifted and all associated fees reversed aside from the legal order fees. Due to the erroneous nature of the garnishment, I want my fees reversed. \n : Company chooses not to provide a public response"},{"Question":"For more than a week now they have called everyday sometimes 3 times a day. I have told them I ca n't pay, I have no money coming in. What money I have is to pay utilities, and do not call back. \n","text":"Company believes complaint represents an opportunity for improvement to better serve consumers","context":": For more than a week now they have called everyday sometimes 3 times a day. I have told them I ca n't pay, I have no money coming in. What money I have is to pay utilities, and do not call back. \n : Company believes complaint represents an opportunity for improvement to better serve consumers"},{"Question":"XXXX under transunion has stated I owe money to \" XXXX '' for a total of XXXX, that is not the name of my health provider, and I have insurance that covers my entire doctor visits and prescriptions, and all the company info that has been posted in my credit report is n't correct at all \n","text":"Company chooses not to provide a public response","context":": XXXX under transunion has stated I owe money to \" XXXX '' for a total of XXXX, that is not the name of my health provider, and I have insurance that covers my entire doctor visits and prescriptions, and all the company info that has been posted in my credit report is n't correct at all \n : Company chooses not to provide a public response"},{"Question":"2013 what are you doing to bring XXXX \/wachovia bank \/wells fargo bank for fradulent forclosure and theft of my property loss in excess XXXX, XXXX dollars, why have you not protected me as a consumer \n","text":"Company chooses not to provide a public response","context":": 2013 what are you doing to bring XXXX \/wachovia bank \/wells fargo bank for fradulent forclosure and theft of my property loss in excess XXXX, XXXX dollars, why have you not protected me as a consumer \n : Company chooses not to provide a public response"},{"Question":"TCF National Bank cashed a check for someone who stole it. The check was written to my cousin for her wedding two years ago. \n","text":"Company believes complaint is the result of an isolated error","context":": TCF National Bank cashed a check for someone who stole it. The check was written to my cousin for her wedding two years ago. \n : Company believes complaint is the result of an isolated error"},{"Question":"Several names on report are not mine! \n","text":"Company chooses not to provide a public response","context":": Several names on report are not mine! \n : Company chooses not to provide a public response"},{"Question":"all of the bad reports are over 10 years old! \n","text":"Company chooses not to provide a public response","context":": all of the bad reports are over 10 years old! \n : Company chooses not to provide a public response"},{"Question":"I believe this account to belong to my father who is a XXXX and I am a XXXX as I have not lived in that state or town since 2011 \n","text":"Company chooses not to provide a public response","context":": I believe this account to belong to my father who is a XXXX and I am a XXXX as I have not lived in that state or town since 2011 \n : Company chooses not to provide a public response"},{"Question":"My XXXX XXXX collection is incorrect. The account I opened in 2009 was closed and zeroed out before service was discontinued and a payed in full status was never restored. I submitted bank records to show the ACH payment made before my account was closed in 2009. \n","text":"Company can't verify or dispute the facts in the complaint","context":": My XXXX XXXX collection is incorrect. The account I opened in 2009 was closed and zeroed out before service was discontinued and a payed in full status was never restored. I submitted bank records to show the ACH payment made before my account was closed in 2009. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I am trying to find out what became of a bank account my brother had left for me upon the time of his death. \n","text":"Company chooses not to provide a public response","context":": I am trying to find out what became of a bank account my brother had left for me upon the time of his death. \n : Company chooses not to provide a public response"},{"Question":"I am current and up to date on all of my medical payments. I have health insurance so I often only pay a copay. I have no recollection of ever incurring this charge to my record. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I am current and up to date on all of my medical payments. I have health insurance so I often only pay a copay. I have no recollection of ever incurring this charge to my record. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"When I purchased a car from a dealer they told me I had to purchase extended warranty and XXXX insurance or the deal was off. What can I do to get compensated. \n","text":"Company chooses not to provide a public response","context":": When I purchased a car from a dealer they told me I had to purchase extended warranty and XXXX insurance or the deal was off. What can I do to get compensated. \n : Company chooses not to provide a public response"},{"Question":"I asked for a full disclosure from America Servicing Company and they have not answered. \n","text":"Company chooses not to provide a public response","context":": I asked for a full disclosure from America Servicing Company and they have not answered. \n : Company chooses not to provide a public response"},{"Question":"Thy stated that I wrote a bad check and that I was going to have fraud charges against me \n","text":"Company chooses not to provide a public response","context":": Thy stated that I wrote a bad check and that I was going to have fraud charges against me \n : Company chooses not to provide a public response"},{"Question":"THE BUREAU TRANSUNION. WILL NOT PROVIDE A REPORT THE DOCUMENTS HAVE BEEN SENT 2-3TIMES THEY REFUSE TO SEND A REPORT.THAT VERIFY IDENITY \n","text":"Company chooses not to provide a public response","context":": THE BUREAU TRANSUNION. WILL NOT PROVIDE A REPORT THE DOCUMENTS HAVE BEEN SENT 2-3TIMES THEY REFUSE TO SEND A REPORT.THAT VERIFY IDENITY \n : Company chooses not to provide a public response"},{"Question":"I submitted a request for a Citibank credit card and was declined because they said I could not use my household income. I am a stay at home home with excellent credit. \n","text":"Company chooses not to provide a public response","context":": I submitted a request for a Citibank credit card and was declined because they said I could not use my household income. I am a stay at home home with excellent credit. \n : Company chooses not to provide a public response"},{"Question":"I opened a car loan in XX\/XX\/XXXX, in XX\/XX\/XXXX I sold a car to a dealer, the vehicle is paid in full, but in my credit report have a balance of {$26.00}, account in good standing, but lower my credit empirical. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I opened a car loan in XX\/XX\/XXXX, in XX\/XX\/XXXX I sold a car to a dealer, the vehicle is paid in full, but in my credit report have a balance of {$26.00}, account in good standing, but lower my credit empirical. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article XXXX of the FDCPA \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article XXXX of the FDCPA \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"We re-financed our home with RPM Mortgage in XXXX of 2013 and were over charged for Funding Fee. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": We re-financed our home with RPM Mortgage in XXXX of 2013 and were over charged for Funding Fee. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I requested mortgage assistance from Franklin Credit Management XXXX XXXX XXXX XXXX, XXXX regarding my defaulted 2nd mortgage and they have not offered my any assistance. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I requested mortgage assistance from Franklin Credit Management XXXX XXXX XXXX XXXX, XXXX regarding my defaulted 2nd mortgage and they have not offered my any assistance. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX is reporting i owe them XXXX, it is untrue and they refuse to remove the derogetory mark from my acct \n","text":"Company chooses not to provide a public response","context":": XXXX is reporting i owe them XXXX, it is untrue and they refuse to remove the derogetory mark from my acct \n : Company chooses not to provide a public response"},{"Question":"i requested proof because i never used XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I asked XXXX for proof and it 's been over 90 days and they never responded to me. These are not my charges and will not provide me with proof with either of these debts. \n","text":"Company chooses not to provide a public response","context":": i requested proof because i never used XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I asked XXXX for proof and it 's been over 90 days and they never responded to me. These are not my charges and will not provide me with proof with either of these debts. \n : Company chooses not to provide a public response"},{"Question":"Continuing to contact me at my place of employment! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Continuing to contact me at my place of employment! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX terms of contract were violated. I could not get XXXX to honor their end of the contract by providing me service in my home XXXX. Extremely fraudulent contractual obligation. \n","text":"Company chooses not to provide a public response","context":": XXXX terms of contract were violated. I could not get XXXX to honor their end of the contract by providing me service in my home XXXX. Extremely fraudulent contractual obligation. \n : Company chooses not to provide a public response"},{"Question":"Medical bill that is not mine \n","text":"Company chooses not to provide a public response","context":": Medical bill that is not mine \n : Company chooses not to provide a public response"},{"Question":"I have a few incorrect info on my credit report that needs to be corrected \n","text":"Company chooses not to provide a public response","context":": I have a few incorrect info on my credit report that needs to be corrected \n : Company chooses not to provide a public response"},{"Question":"transunion reinserted accounts already deleted for lack of verifiable documentation. \n","text":"Company chooses not to provide a public response","context":": transunion reinserted accounts already deleted for lack of verifiable documentation. \n : Company chooses not to provide a public response"},{"Question":"I currently bank with Wells Fargo and have several accounts open with them. Recently checked my account online and seen they charged me XXXX overdraft fees of {$35.00} each. Now given that I have overdraft protection on my accounts, they did not waive the fees for me. \n","text":"Company chooses not to provide a public response","context":": I currently bank with Wells Fargo and have several accounts open with them. Recently checked my account online and seen they charged me XXXX overdraft fees of {$35.00} each. Now given that I have overdraft protection on my accounts, they did not waive the fees for me. \n : Company chooses not to provide a public response"},{"Question":"I was charged a finance charge by Barclay 's new XXXX when I made the last payment on time to the US Airways XXXX card that was closed by Barclays. I think this is a fraudulent finance charge on behalf of Barclays. \n","text":"Company chooses not to provide a public response","context":": I was charged a finance charge by Barclay 's new XXXX when I made the last payment on time to the US Airways XXXX card that was closed by Barclays. I think this is a fraudulent finance charge on behalf of Barclays. \n : Company chooses not to provide a public response"},{"Question":"I need to have a past car loan on my credit report changed from a degoratory status to not deregotory \n","text":"Company chooses not to provide a public response","context":": I need to have a past car loan on my credit report changed from a degoratory status to not deregotory \n : Company chooses not to provide a public response"},{"Question":"Bay Area Credit continues to call my place of employment even through I have asked them not to contact me at work. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Bay Area Credit continues to call my place of employment even through I have asked them not to contact me at work. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Ran a credit report without my consent. I 've never given consent nor will I ever do so. Furthermore they did not notify me of this, which violates law \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Ran a credit report without my consent. I 've never given consent nor will I ever do so. Furthermore they did not notify me of this, which violates law \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have not received report from information been disputed. \n","text":"Company chooses not to provide a public response","context":": I have not received report from information been disputed. \n : Company chooses not to provide a public response"},{"Question":"the social security number is wrong on my credit report \n","text":"Company chooses not to provide a public response","context":": the social security number is wrong on my credit report \n : Company chooses not to provide a public response"},{"Question":"i got the protection insurance on this account and the amount on my card was less then {$100.00} they keep charging me and never refund my money back and insurance protection never worked \n","text":"Company chooses not to provide a public response","context":": i got the protection insurance on this account and the amount on my card was less then {$100.00} they keep charging me and never refund my money back and insurance protection never worked \n : Company chooses not to provide a public response"},{"Question":"Fraudulent charges caused by Citibank add on features. Impact of fraudulent charges affect balance, including interest and late charges. Account stated would have to be corrected for each month add on charges occurred. \n\nXXXX \n","text":"Company chooses not to provide a public response","context":": Fraudulent charges caused by Citibank add on features. Impact of fraudulent charges affect balance, including interest and late charges. Account stated would have to be corrected for each month add on charges occurred. \n\nXXXX \n : Company chooses not to provide a public response"},{"Question":"There is an address on my credit report that I have never been associated with. I had a case with identity theft recently, and this may be related to that issue. \n","text":"Company chooses not to provide a public response","context":": There is an address on my credit report that I have never been associated with. I had a case with identity theft recently, and this may be related to that issue. \n : Company chooses not to provide a public response"},{"Question":"i made XXXX purchases at XXXX and the XXXX purchase is fraudulent the clerk used my card fraud and i disputed and bank of america keeps charging me for this in violation of the fcba this has been going on for 5 mos now \n","text":"Company chooses not to provide a public response","context":": i made XXXX purchases at XXXX and the XXXX purchase is fraudulent the clerk used my card fraud and i disputed and bank of america keeps charging me for this in violation of the fcba this has been going on for 5 mos now \n : Company chooses not to provide a public response"},{"Question":"experian has reinserted unverifiable accounts once deleted. \n","text":"Company chooses not to provide a public response","context":": experian has reinserted unverifiable accounts once deleted. \n : Company chooses not to provide a public response"},{"Question":"TransUnion has an incorrect name for me. The only name I have ever used or XXXX a XXXX and XXXX XXXX Equifax has a XXXX Florida address and I have never lived in XXXX. \n","text":"Company chooses not to provide a public response","context":": TransUnion has an incorrect name for me. The only name I have ever used or XXXX a XXXX and XXXX XXXX Equifax has a XXXX Florida address and I have never lived in XXXX. \n : Company chooses not to provide a public response"},{"Question":"INTRODUCTORY RATE OFFERS WAS MISLEADING. DID NOT DISCLOSE ALL FEES. STATES 0 % INTRODUCTORY RATE FOR BALANCE TRANSFERS. BUT THEY CHARGED A 3 % TRANSACTION FEE WHICH IS NOT DISCLOSED ANYWHERE ON THE OFFER PAGE. HAD I KNOWN OF THIS UNDISCLOSED FEE I WOULD NOT HAVE DONE THE TRANSFER. \n","text":"Company chooses not to provide a public response","context":": INTRODUCTORY RATE OFFERS WAS MISLEADING. DID NOT DISCLOSE ALL FEES. STATES 0 % INTRODUCTORY RATE FOR BALANCE TRANSFERS. BUT THEY CHARGED A 3 % TRANSACTION FEE WHICH IS NOT DISCLOSED ANYWHERE ON THE OFFER PAGE. HAD I KNOWN OF THIS UNDISCLOSED FEE I WOULD NOT HAVE DONE THE TRANSFER. \n : Company chooses not to provide a public response"},{"Question":"Penn Credit contacted my family member and disclosed all information regarding my debt, without proper verification. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Penn Credit contacted my family member and disclosed all information regarding my debt, without proper verification. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"For the school year of XXXX my great aunt paid my tuition balance in full, she has tax information proving the following. However she is currently in XXXX so there is no way for me to get the tax documents. \n","text":"Company chooses not to provide a public response","context":": For the school year of XXXX my great aunt paid my tuition balance in full, she has tax information proving the following. However she is currently in XXXX so there is no way for me to get the tax documents. \n : Company chooses not to provide a public response"},{"Question":"TransUnion is refusing to work and operate as a neutral party. They have not demanded the debtor to provide accurate information of debts. Debt collectors are basically making statements with no proof. The account I am complaining of states closed and paid by collateral of the report. \n","text":"Company chooses not to provide a public response","context":": TransUnion is refusing to work and operate as a neutral party. They have not demanded the debtor to provide accurate information of debts. Debt collectors are basically making statements with no proof. The account I am complaining of states closed and paid by collateral of the report. \n : Company chooses not to provide a public response"},{"Question":"I was sued me for more money than I owe. My car was sold after the repossession. The sale price was not deducted from the balance. The statute of limitations has expired and they have garnished my pay check. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was sued me for more money than I owe. My car was sold after the repossession. The sale price was not deducted from the balance. The statute of limitations has expired and they have garnished my pay check. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"account was paid off on XXXX\/XXXX\/15. Confirmation # XXXX. Need to delete this from my all XXXX of the credit reports. \n","text":"Company believes complaint represents an opportunity for improvement to better serve consumers","context":": account was paid off on XXXX\/XXXX\/15. Confirmation # XXXX. Need to delete this from my all XXXX of the credit reports. \n : Company believes complaint represents an opportunity for improvement to better serve consumers"},{"Question":"Property taxes were not paid via escrow on time. \n","text":"Company chooses not to provide a public response","context":": Property taxes were not paid via escrow on time. \n : Company chooses not to provide a public response"},{"Question":"I have received several emails from Ace Cash XXXX. They are constantly harassing me regarding a debt that has been settled in a bankruptcy in XXXX \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I have received several emails from Ace Cash XXXX. They are constantly harassing me regarding a debt that has been settled in a bankruptcy in XXXX \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"On Thursday XXXX XXXX, 2014 I received a call on my landline phone from Central Credit XXXX Services on behalf of XXXX XXXX at XXXX. The call originated from telephone number XXXX and was placed to my home phone number XXXX. \n","text":"Company chooses not to provide a public response","context":": On Thursday XXXX XXXX, 2014 I received a call on my landline phone from Central Credit XXXX Services on behalf of XXXX XXXX at XXXX. The call originated from telephone number XXXX and was placed to my home phone number XXXX. \n : Company chooses not to provide a public response"},{"Question":"Trans Union is not responding to any of my numerous requests to investigate, verify and remove an account from my credit report that was opened fraudulently. \n","text":"Company chooses not to provide a public response","context":": Trans Union is not responding to any of my numerous requests to investigate, verify and remove an account from my credit report that was opened fraudulently. \n : Company chooses not to provide a public response"},{"Question":"Bank of America scammed and stalled and deliberately caused unnecessary harm. Please see attached Lawsuit against B of A and XXXX. \n","text":"Company chooses not to provide a public response","context":": Bank of America scammed and stalled and deliberately caused unnecessary harm. Please see attached Lawsuit against B of A and XXXX. \n : Company chooses not to provide a public response"},{"Question":"i keep getting constant phone calls from this company : CENTRAL CREDIT SERVICES, FROM PHONE # XXXX \n","text":"Company chooses not to provide a public response","context":": i keep getting constant phone calls from this company : CENTRAL CREDIT SERVICES, FROM PHONE # XXXX \n : Company chooses not to provide a public response"},{"Question":"This account is not mine - an inadequate investigation was preformed. Accout was not verified according to the FCRA \n","text":"Company chooses not to provide a public response","context":": This account is not mine - an inadequate investigation was preformed. Accout was not verified according to the FCRA \n : Company chooses not to provide a public response"},{"Question":"The collection called a family member on there job and gave full disclosure regarding an alleged debt. This family member was not my spouse. \n","text":"Company chooses not to provide a public response","context":": The collection called a family member on there job and gave full disclosure regarding an alleged debt. This family member was not my spouse. \n : Company chooses not to provide a public response"},{"Question":"CHARLES Schwab sent me a fake check caused my credit problem \n","text":"Company chooses not to provide a public response","context":": CHARLES Schwab sent me a fake check caused my credit problem \n : Company chooses not to provide a public response"},{"Question":"one main financial ran an inquiry on my XXXX XXXX and XXXX credit reports with out my permission, and i cant even find out who this company or bank is \n","text":"Company chooses not to provide a public response","context":": one main financial ran an inquiry on my XXXX XXXX and XXXX credit reports with out my permission, and i cant even find out who this company or bank is \n : Company chooses not to provide a public response"},{"Question":"I have been reported as dead \n","text":"Company chooses not to provide a public response","context":": I have been reported as dead \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX ( former boyfriend ) had used my personal information and my daughters social security number without authorization and withheld information. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX ( former boyfriend ) had used my personal information and my daughters social security number without authorization and withheld information. \n : Company chooses not to provide a public response"},{"Question":"I WENT TO A CAR LOT TO GET A NEW CAR AND WHEN THE CREDITOR TOLD ME HE HAD TO PULL MY CREDIT I TOLD HIM THAT I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT. THEY RAN MY CREDIT MORE THAT XXXX TIME AND MADE MY SCORE DROP \n","text":"Company chooses not to provide a public response","context":": I WENT TO A CAR LOT TO GET A NEW CAR AND WHEN THE CREDITOR TOLD ME HE HAD TO PULL MY CREDIT I TOLD HIM THAT I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT. THEY RAN MY CREDIT MORE THAT XXXX TIME AND MADE MY SCORE DROP \n : Company chooses not to provide a public response"},{"Question":"Experian received a letter from me in XXXX questioning accounts I feel are inaccurate on my credit report. They never responded to me. \n","text":"Company chooses not to provide a public response","context":": Experian received a letter from me in XXXX questioning accounts I feel are inaccurate on my credit report. They never responded to me. \n : Company chooses not to provide a public response"},{"Question":"i recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them informing me that I owed them anything and rights were violated under the FDCPA \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them informing me that I owed them anything and rights were violated under the FDCPA \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I sent TRansunion a letter, along with my ID, in XXXX. They never responded to me. \n","text":"Company chooses not to provide a public response","context":": I sent TRansunion a letter, along with my ID, in XXXX. They never responded to me. \n : Company chooses not to provide a public response"},{"Question":"A check was mailed to pay off my Macy 's account in full on XXXX XXXX, 2015, and to this day Macy 's still has not applied my payment to my account. Macy 's cashed the check, but refuses to apply the funds to my account. \n","text":"Company chooses not to provide a public response","context":": A check was mailed to pay off my Macy 's account in full on XXXX XXXX, 2015, and to this day Macy 's still has not applied my payment to my account. Macy 's cashed the check, but refuses to apply the funds to my account. \n : Company chooses not to provide a public response"},{"Question":"Experian is not responding to any of my numerous requests to investigate, verify and remove XXXX account from my credit report that was opened fraudulently. \n","text":"Company chooses not to provide a public response","context":": Experian is not responding to any of my numerous requests to investigate, verify and remove XXXX account from my credit report that was opened fraudulently. \n : Company chooses not to provide a public response"},{"Question":"TCPA Violation- Multi calls, XXXX with voicemail left, from an automated caller. ( AMSHER COLLECTION SERVICES INC ). \nCopies of these voicemails are available. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": TCPA Violation- Multi calls, XXXX with voicemail left, from an automated caller. ( AMSHER COLLECTION SERVICES INC ). \nCopies of these voicemails are available. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"IT IS DIFFICULT TO VIEW THE REPORTS TWICE. I AM TRYING TO LOG BACK INTO TRANSUNION AND CAN NOT \n","text":"Company chooses not to provide a public response","context":": IT IS DIFFICULT TO VIEW THE REPORTS TWICE. I AM TRYING TO LOG BACK INTO TRANSUNION AND CAN NOT \n : Company chooses not to provide a public response"},{"Question":"They are using automated robocalling to mass calling me multiple times per day. \n","text":"Company chooses not to provide a public response","context":": They are using automated robocalling to mass calling me multiple times per day. \n : Company chooses not to provide a public response"},{"Question":"I was married in 2012 and changed my name. I notified TransUnion and they failed to update my file. \n","text":"Company chooses not to provide a public response","context":": I was married in 2012 and changed my name. I notified TransUnion and they failed to update my file. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX is still listed as a judgment on my report. this was paid and removed from XXXX after a dispute and sent receipts and the dispute results to TransUnion only to be ignored. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX is still listed as a judgment on my report. this was paid and removed from XXXX after a dispute and sent receipts and the dispute results to TransUnion only to be ignored. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX WAS PAID THROUGHA JUDGEMENT ON MY HUSBANDS PAYCHECK LAST YEAR. IT SHOULD BE MARKED AS JUDGEMENT PAID IN FULL OR SATISFIED OR REMOVED. TRANSUNION HAS INGNORED MY REQUEST TO CHANGE THIS. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX WAS PAID THROUGHA JUDGEMENT ON MY HUSBANDS PAYCHECK LAST YEAR. IT SHOULD BE MARKED AS JUDGEMENT PAID IN FULL OR SATISFIED OR REMOVED. TRANSUNION HAS INGNORED MY REQUEST TO CHANGE THIS. \n : Company chooses not to provide a public response"},{"Question":"MEDICAL COLLECTION- {$470.00} WAS PAID IN CASH XX\/XX\/XXXX. TRANSUNION SAID THEY WOULD REMOVE VIA A PHONE CONVERSAGTION XX\/XX\/XXXX AND IT HAS YET TO BE REMOVED. \n","text":"Company chooses not to provide a public response","context":": MEDICAL COLLECTION- {$470.00} WAS PAID IN CASH XX\/XX\/XXXX. TRANSUNION SAID THEY WOULD REMOVE VIA A PHONE CONVERSAGTION XX\/XX\/XXXX AND IT HAS YET TO BE REMOVED. \n : Company chooses not to provide a public response"},{"Question":"This account was placed in collections on XXXX XXXX, 2003 and is over 13 years old. I had the account removed 5 years ago from my credit report. Now this old 13 year old account is back on my credit report. \n","text":"Company chooses not to provide a public response","context":": This account was placed in collections on XXXX XXXX, 2003 and is over 13 years old. I had the account removed 5 years ago from my credit report. Now this old 13 year old account is back on my credit report. \n : Company chooses not to provide a public response"},{"Question":"XXXX BANK WAS PAIN IN FULL NEVER LATE CLOSED BY USER. I CALLED BOU THIS AD WAS TOLD IT WOULD BE UPDATED- IT NEVER WAS \n","text":"Company chooses not to provide a public response","context":": XXXX BANK WAS PAIN IN FULL NEVER LATE CLOSED BY USER. I CALLED BOU THIS AD WAS TOLD IT WOULD BE UPDATED- IT NEVER WAS \n : Company chooses not to provide a public response"},{"Question":"XXXX IS LISTED ON MY REPORT TWICE- ONCE ASA JUDGEMENT AND ONCE AS A CHARGE OFF- WHICH IS XXXX NEGATIVES FOR XXXX THING THAT HAS BEEN PAID OFF. I NOTIFIED TRANSUNION OF THISTO BE TOLD THE CHARGE OFF WAS REMOVED AND YET AS OF XXXX\/XXXX\/15 IT IS STILL SHOWING ON MY REPORT. \n","text":"Company chooses not to provide a public response","context":": XXXX IS LISTED ON MY REPORT TWICE- ONCE ASA JUDGEMENT AND ONCE AS A CHARGE OFF- WHICH IS XXXX NEGATIVES FOR XXXX THING THAT HAS BEEN PAID OFF. I NOTIFIED TRANSUNION OF THISTO BE TOLD THE CHARGE OFF WAS REMOVED AND YET AS OF XXXX\/XXXX\/15 IT IS STILL SHOWING ON MY REPORT. \n : Company chooses not to provide a public response"},{"Question":"XXXX IS SHOWING UP AS A CHARGE OFF AND A JUDGEMENT WITH BALANCES UNDER BOTH EVEN THOUGH IT WAS PAID VIA A GARNESHMENT ON MY HUSBANDS PAYCHECK XX\/XX\/XXXX. I CALLED TRANSUNION AND WAS TOLD THE CHARGE OFF WAS GOING TO BE REMOVED XX\/XX\/XXXX AND NOW THEY WONT RESPOND TO MY INQUIRIES. \n","text":"Company chooses not to provide a public response","context":": XXXX IS SHOWING UP AS A CHARGE OFF AND A JUDGEMENT WITH BALANCES UNDER BOTH EVEN THOUGH IT WAS PAID VIA A GARNESHMENT ON MY HUSBANDS PAYCHECK XX\/XX\/XXXX. I CALLED TRANSUNION AND WAS TOLD THE CHARGE OFF WAS GOING TO BE REMOVED XX\/XX\/XXXX AND NOW THEY WONT RESPOND TO MY INQUIRIES. \n : Company chooses not to provide a public response"},{"Question":"Showing a balance which was paid i XX\/XX\/XXXX from XXXX XXXX XXXX for XXXX a XXXX account in XX\/XX\/XXXX which is not mine it belongs to another XXXX XXXX . I never had XXXX then, only XXXX. \n","text":"Company chooses not to provide a public response","context":": Showing a balance which was paid i XX\/XX\/XXXX from XXXX XXXX XXXX for XXXX a XXXX account in XX\/XX\/XXXX which is not mine it belongs to another XXXX XXXX . I never had XXXX then, only XXXX. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX WAS PAID IN FULL AND CLOSED BY USER IT WAS ALSO NEVER LATE. IT IS SHOWING 60 DAYS LATE AND CLOSED BY CREDIT GRANTOR. I WANT IT RESTORED BACK TO GOOD STANDING. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX WAS PAID IN FULL AND CLOSED BY USER IT WAS ALSO NEVER LATE. IT IS SHOWING 60 DAYS LATE AND CLOSED BY CREDIT GRANTOR. I WANT IT RESTORED BACK TO GOOD STANDING. \n : Company chooses not to provide a public response"},{"Question":"Account was paid and closed, but still remains on all three major reporting bureaus. Even after I requested for the removal of these items, they still remain and are damaging to my report. \n","text":"Company chooses not to provide a public response","context":": Account was paid and closed, but still remains on all three major reporting bureaus. Even after I requested for the removal of these items, they still remain and are damaging to my report. \n : Company chooses not to provide a public response"},{"Question":"Lender states I owe money on a Mortgage related debt. I do not own the home anymore. I do not owe the debt under California Code Civil Procedure 580d and Code Civl Procedure 580b I wish to have copies of all my loan documents to determine why this lender thinks I owe money ... \n","text":"Company chooses not to provide a public response","context":": Lender states I owe money on a Mortgage related debt. I do not own the home anymore. I do not owe the debt under California Code Civil Procedure 580d and Code Civl Procedure 580b I wish to have copies of all my loan documents to determine why this lender thinks I owe money ... \n : Company chooses not to provide a public response"},{"Question":"This account does not meet the FCRA by the fact that it does not list the original creditor. I legally have the right to know who the collection agency is representing and if that debt is valid. \n","text":"Company can't verify or dispute the facts in the complaint","context":": This account does not meet the FCRA by the fact that it does not list the original creditor. I legally have the right to know who the collection agency is representing and if that debt is valid. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"CommonWealth Finance removed an item from my credit report and then re reported it with a new account # and status of account. If they could n't prove the account the XXXX time a new account # is n't going to change anything. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": CommonWealth Finance removed an item from my credit report and then re reported it with a new account # and status of account. If they could n't prove the account the XXXX time a new account # is n't going to change anything. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Transunion has reinserted unverifiable accounts. \n","text":"Company chooses not to provide a public response","context":": Transunion has reinserted unverifiable accounts. \n : Company chooses not to provide a public response"},{"Question":"Account was paid and closed, but remains on my Experian credit report. The items are being reported negatively, they should not remain, and continues to damage my report. \n","text":"Company chooses not to provide a public response","context":": Account was paid and closed, but remains on my Experian credit report. The items are being reported negatively, they should not remain, and continues to damage my report. \n : Company chooses not to provide a public response"},{"Question":"I have contacted the creditor and resolved this matter. \n","text":"Company chooses not to provide a public response","context":": I have contacted the creditor and resolved this matter. \n : Company chooses not to provide a public response"},{"Question":"I received a NetSpend card in the mail. It has my first and last name on it. The label advising to call and activate. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received a NetSpend card in the mail. It has my first and last name on it. The label advising to call and activate. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"i have an account that is fraudulent and needs to be removed immediately this account has been reporting continuosly when it is a resulf of identity theft and I have faxed the information to the company about the nature of my complaint. \n","text":"Company chooses not to provide a public response","context":": i have an account that is fraudulent and needs to be removed immediately this account has been reporting continuosly when it is a resulf of identity theft and I have faxed the information to the company about the nature of my complaint. \n : Company chooses not to provide a public response"},{"Question":"The account XXXX do not belong to me. This account was removed from my credit file XXXX\/XXXX\/2014. I do not understand why it has appeared again. This inaccurate information must be removed immediately. \n","text":"Company chooses not to provide a public response","context":": The account XXXX do not belong to me. This account was removed from my credit file XXXX\/XXXX\/2014. I do not understand why it has appeared again. This inaccurate information must be removed immediately. \n : Company chooses not to provide a public response"},{"Question":"Account was paid and closed but remains on my report. Even though I requested for the items to be removed, the items remain and is damaging to my report. \n","text":"Company chooses not to provide a public response","context":": Account was paid and closed but remains on my report. Even though I requested for the items to be removed, the items remain and is damaging to my report. \n : Company chooses not to provide a public response"},{"Question":"Account was paid and closed but remains on my Experian credit report. Even after I requested for the items to be removed, the items remain and are damaging to my credit report. \n","text":"Company chooses not to provide a public response","context":": Account was paid and closed but remains on my Experian credit report. Even after I requested for the items to be removed, the items remain and are damaging to my credit report. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX has a hard inquiry for my credit on XXXX XXXX, 2015. I have made no such inquiry. I demand that they remove this from my credit. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX has a hard inquiry for my credit on XXXX XXXX, 2015. I have made no such inquiry. I demand that they remove this from my credit. \n : Company chooses not to provide a public response"},{"Question":"This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately. \n","text":"Company chooses not to provide a public response","context":": This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately. \n : Company chooses not to provide a public response"},{"Question":"there is a XXXX XXXX XXXX on the report which i have no clue of, I do n't recall any type of settlement, \n","text":"Company chooses not to provide a public response","context":": there is a XXXX XXXX XXXX on the report which i have no clue of, I do n't recall any type of settlement, \n : Company chooses not to provide a public response"},{"Question":"there are names or alias on my credit report i never used ... also ... an address i never lived at or had \n","text":"Company chooses not to provide a public response","context":": there are names or alias on my credit report i never used ... also ... an address i never lived at or had \n : Company chooses not to provide a public response"},{"Question":"I recently closed a HELOC because I sold the secured property. Since the loan was less than three years old I had to pay XXXX and XXXX recording taxes. However, I was also charged the lender 's portion of this tax mounting to 0.25 % ( XXXX basis points ) of the loan principal. \n","text":"Company chooses not to provide a public response","context":": I recently closed a HELOC because I sold the secured property. Since the loan was less than three years old I had to pay XXXX and XXXX recording taxes. However, I was also charged the lender 's portion of this tax mounting to 0.25 % ( XXXX basis points ) of the loan principal. \n : Company chooses not to provide a public response"},{"Question":"American Credit Acceptance has repeatedly contacted me at my work phone number even after I had asked them XXXX to not contact me at that number \n","text":"Company believes complaint is the result of an isolated error","context":": American Credit Acceptance has repeatedly contacted me at my work phone number even after I had asked them XXXX to not contact me at that number \n : Company believes complaint is the result of an isolated error"},{"Question":"I was told by XXXX I was not under contract with them when I decided to change carriers to XXXX They tried to charge me an early termination fee, which is now in debt collection, but it is based on inaccurate information they provided. \n","text":"Company chooses not to provide a public response","context":": I was told by XXXX I was not under contract with them when I decided to change carriers to XXXX They tried to charge me an early termination fee, which is now in debt collection, but it is based on inaccurate information they provided. \n : Company chooses not to provide a public response"},{"Question":"Credit card company lowered revolving credit line. I have paid balences all along with over XXXX in assests. This has affected my credit score. \n","text":"Company chooses not to provide a public response","context":": Credit card company lowered revolving credit line. I have paid balences all along with over XXXX in assests. This has affected my credit score. \n : Company chooses not to provide a public response"},{"Question":"Flew with XXXX XXXX where they offered us automatic XXXX points frequent flyer miles for signing up that day with their credit card. Now they are saying we have to spend $ XXXX before XX\/XX\/XXXX in order to get said miles that were promised. Very deceiptful. \n","text":"Company chooses not to provide a public response","context":": Flew with XXXX XXXX where they offered us automatic XXXX points frequent flyer miles for signing up that day with their credit card. Now they are saying we have to spend $ XXXX before XX\/XX\/XXXX in order to get said miles that were promised. Very deceiptful. \n : Company chooses not to provide a public response"},{"Question":"TransUnion is reporting on my credit report I have a state tax lien in XXXX XXXX XXXX in the amount of {$58000.00}. I have no affiliation with anything or anybody in XXXX XXXX. My other credit reports do not show such information. I live in XXXX. \n","text":"Company chooses not to provide a public response","context":": TransUnion is reporting on my credit report I have a state tax lien in XXXX XXXX XXXX in the amount of {$58000.00}. I have no affiliation with anything or anybody in XXXX XXXX. My other credit reports do not show such information. I live in XXXX. \n : Company chooses not to provide a public response"},{"Question":"i went to court and evicted a young man from my rental house. XXXX XXXX XXXX awarded me a judgement against the young man. Trans union reflects it in reverse showing the judgement as being against me. this created a major hit against me rather than the young an who owes me money. \n","text":"Company chooses not to provide a public response","context":": i went to court and evicted a young man from my rental house. XXXX XXXX XXXX awarded me a judgement against the young man. Trans union reflects it in reverse showing the judgement as being against me. this created a major hit against me rather than the young an who owes me money. \n : Company chooses not to provide a public response"},{"Question":"I reported numerous charges\/accounts and inquiries to the FTC. \n\nXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, applied bank, XXXX and numberous inquiries \n","text":"Company chooses not to provide a public response","context":": I reported numerous charges\/accounts and inquiries to the FTC. \n\nXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, applied bank, XXXX and numberous inquiries \n : Company chooses not to provide a public response"},{"Question":"Stellar Recovery Inc Keeps calling my cell phone too frequently at all times of the day for a debt that was a fraud account and was not my account. They need to cease with this activity \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Stellar Recovery Inc Keeps calling my cell phone too frequently at all times of the day for a debt that was a fraud account and was not my account. They need to cease with this activity \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Citibank Is violating the FCRA Laws by continuing to report Credit Card # XXXX on my XXXX credit report \n","text":"Company chooses not to provide a public response","context":": Citibank Is violating the FCRA Laws by continuing to report Credit Card # XXXX on my XXXX credit report \n : Company chooses not to provide a public response"},{"Question":"the information that appear on my credit report was identity theft not belong to me. According to the law it should be remove completely your investigation is not complete. \n","text":"Company chooses not to provide a public response","context":": the information that appear on my credit report was identity theft not belong to me. According to the law it should be remove completely your investigation is not complete. \n : Company chooses not to provide a public response"},{"Question":"The information that appear on my credit report are not mine. It was an identity theft. I had sent to you the police report. it 's very clear your investigation is not complete, according to the law it should be remove completely. \n","text":"Company chooses not to provide a public response","context":": The information that appear on my credit report are not mine. It was an identity theft. I had sent to you the police report. it 's very clear your investigation is not complete, according to the law it should be remove completely. \n : Company chooses not to provide a public response"},{"Question":"I got charged {$39.00} for over the limit charge. I did n't signup for over the limit protection & do n't want over the limit protection. When i called the credit card company they say I do n't have a choice in removing over the limit protection. \n","text":"Company chooses not to provide a public response","context":": I got charged {$39.00} for over the limit charge. I did n't signup for over the limit protection & do n't want over the limit protection. When i called the credit card company they say I do n't have a choice in removing over the limit protection. \n : Company chooses not to provide a public response"},{"Question":"I have asked several times for verification of this debt, i have never received any actual proof that I owe any money, they still reported this account to the credit Bureaus. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have asked several times for verification of this debt, i have never received any actual proof that I owe any money, they still reported this account to the credit Bureaus. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Classification of multiple names is ridiculous. I was married. I have since divorced and no longer use his name. He is also deceased as of last year. \n","text":"Company chooses not to provide a public response","context":": Classification of multiple names is ridiculous. I was married. I have since divorced and no longer use his name. He is also deceased as of last year. \n : Company chooses not to provide a public response"},{"Question":"I was on medical leave from my employer and my health savings account card was turn off and closed, I was unable to pay the dentist and surgeon with the appropriate funds. \n","text":"Company chooses not to provide a public response","context":": I was on medical leave from my employer and my health savings account card was turn off and closed, I was unable to pay the dentist and surgeon with the appropriate funds. \n : Company chooses not to provide a public response"},{"Question":"I have a balance XXXX for BB & T Bank for {$580.00} but the balance was paid last year out of my tax return \n","text":"Company chooses not to provide a public response","context":": I have a balance XXXX for BB & T Bank for {$580.00} but the balance was paid last year out of my tax return \n : Company chooses not to provide a public response"},{"Question":"I sent a rescission in to Select Portfolio Servicing on XXXX\/XXXX\/2015, they acknowledged the rescission ( XXXX\/XXXX\/2015 ) and I would like them to comply with the rescission requirements. \nThey did not file any action within 20 days of receipt of the rescission. \n","text":"Company believes complaint is the result of an isolated error","context":": I sent a rescission in to Select Portfolio Servicing on XXXX\/XXXX\/2015, they acknowledged the rescission ( XXXX\/XXXX\/2015 ) and I would like them to comply with the rescission requirements. \nThey did not file any action within 20 days of receipt of the rescission. \n : Company believes complaint is the result of an isolated error"},{"Question":"I have contact Wells Fargo on many occasion to correct credit report and they will not. \n","text":"Company chooses not to provide a public response","context":": I have contact Wells Fargo on many occasion to correct credit report and they will not. \n : Company chooses not to provide a public response"},{"Question":"1. My current emplyer and has been for the last 8 years is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. There are addresses listed that I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": 1. My current emplyer and has been for the last 8 years is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. There are addresses listed that I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I was approved for a loan modification and was given a lower payment to pay for 3 months before the start of the modification period. The bank reported it as late payments for 90 days when they told me it should say paid a lesser agreed amount. \n","text":"Company chooses not to provide a public response","context":": I was approved for a loan modification and was given a lower payment to pay for 3 months before the start of the modification period. The bank reported it as late payments for 90 days when they told me it should say paid a lesser agreed amount. \n : Company chooses not to provide a public response"},{"Question":"I 'm trying enroll I think victim of identity theft I need help of a fraud alert on my info \n","text":"Company chooses not to provide a public response","context":": I 'm trying enroll I think victim of identity theft I need help of a fraud alert on my info \n : Company chooses not to provide a public response"},{"Question":"I 'm receiving the attached collection letter however I have never received any bill for this amount. I need verification in writing from XXXX XXXX XXXX that I owe this. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I 'm receiving the attached collection letter however I have never received any bill for this amount. I need verification in writing from XXXX XXXX XXXX that I owe this. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A CAR DEALER DID XXXX INQUIREIES WHEN I WAS JUST LOOKING. XXXX IN XXXX NEW MEXICO THEY BATCHED MY IMFORMATION TO XXXX FINANCIAL INSTITUTIONS WITHOUT MY PERMISSION. ALL I WAS DOING WAS LOOKING AT AUTOS \n","text":"Company chooses not to provide a public response","context":": A CAR DEALER DID XXXX INQUIREIES WHEN I WAS JUST LOOKING. XXXX IN XXXX NEW MEXICO THEY BATCHED MY IMFORMATION TO XXXX FINANCIAL INSTITUTIONS WITHOUT MY PERMISSION. ALL I WAS DOING WAS LOOKING AT AUTOS \n : Company chooses not to provide a public response"},{"Question":"I have no contract with this 3rd party debt collector. \n","text":"Company chooses not to provide a public response","context":": I have no contract with this 3rd party debt collector. \n : Company chooses not to provide a public response"},{"Question":"THE CREDITOR SUN LOAN DID NOT APPLY MY PAYMENTS SHOWING MY ACCOUNT WAS SATISFIED. \n","text":"Company chooses not to provide a public response","context":": THE CREDITOR SUN LOAN DID NOT APPLY MY PAYMENTS SHOWING MY ACCOUNT WAS SATISFIED. \n : Company chooses not to provide a public response"},{"Question":"i used to own a piece of propriety that has a assocation fee which was due way before i filed for chapter XXXX bankrupcy in 2011 they are still trying to collect even though it was discharged \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": i used to own a piece of propriety that has a assocation fee which was due way before i filed for chapter XXXX bankrupcy in 2011 they are still trying to collect even though it was discharged \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Repeated automated calls with no identification of who they are trying to contact, or what company they are. Caller ID says XXXX, RECEIVABLESPERF. There is no message left, if I pick up there is a long silence, and then a recording. \n","text":"Company chooses not to provide a public response","context":": Repeated automated calls with no identification of who they are trying to contact, or what company they are. Caller ID says XXXX, RECEIVABLESPERF. There is no message left, if I pick up there is a long silence, and then a recording. \n : Company chooses not to provide a public response"},{"Question":"This {$130.00} to XXXX XXXX was to be paid by my insurance I have never paid for a XXXX in my life. XXXX has it on my credit report. I have several working to get this removed.Thank You \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This {$130.00} to XXXX XXXX was to be paid by my insurance I have never paid for a XXXX in my life. XXXX has it on my credit report. I have several working to get this removed.Thank You \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This company sent a letter collecting a debt for XXXX for an account number that is not mine. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This company sent a letter collecting a debt for XXXX for an account number that is not mine. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX XXXX was discharged on my husband 's bankruptcy \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX was discharged on my husband 's bankruptcy \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX based in XXXX SC has been making charges on our credit card. We filed a dispute with credit card holder - USAA. Nothing was done. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX XXXX XXXX based in XXXX SC has been making charges on our credit card. We filed a dispute with credit card holder - USAA. Nothing was done. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Creditor reports payment plan with XXXX balance, when all was cleared 15 months ago through bankruptcy reorganization discharge. \n","text":"Company chooses not to provide a public response","context":": Creditor reports payment plan with XXXX balance, when all was cleared 15 months ago through bankruptcy reorganization discharge. \n : Company chooses not to provide a public response"},{"Question":"no they will not let me dispute these matters on line. I tried receiving my credit reports and they would not give them to me. I seen it on \n","text":"Company chooses not to provide a public response","context":": no they will not let me dispute these matters on line. I tried receiving my credit reports and they would not give them to me. I seen it on \n : Company chooses not to provide a public response"},{"Question":"Background screening for lease on new house turned up someone else associated with my social scurity number on credit check. \n","text":"Company chooses not to provide a public response","context":": Background screening for lease on new house turned up someone else associated with my social scurity number on credit check. \n : Company chooses not to provide a public response"},{"Question":"A business I had which closed back in 2007 had some debt to it, there is an account listed on my personal credit file which I disputed with no validation provided and the item is still there. I am asking your agency for help. \n","text":"Company chooses not to provide a public response","context":": A business I had which closed back in 2007 had some debt to it, there is an account listed on my personal credit file which I disputed with no validation provided and the item is still there. I am asking your agency for help. \n : Company chooses not to provide a public response"},{"Question":"I was contacted on XXXX\/XXXX\/15 by MCMC a car dealership whom I 've purchased a car from. They informed a co-buyer that a warrant would be issued for her arrest if we did not return the vehicle in question. \n","text":"Company chooses not to provide a public response","context":": I was contacted on XXXX\/XXXX\/15 by MCMC a car dealership whom I 've purchased a car from. They informed a co-buyer that a warrant would be issued for her arrest if we did not return the vehicle in question. \n : Company chooses not to provide a public response"},{"Question":"I do not recall owing any medical, this might be my fathers whom past away which was also XXXX XXXX past away XXXX\/XXXX\/2013. I have requested verification several times in a dispute nothing received. I want this off of my credit report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I do not recall owing any medical, this might be my fathers whom past away which was also XXXX XXXX past away XXXX\/XXXX\/2013. I have requested verification several times in a dispute nothing received. I want this off of my credit report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX ruined my credit rating. \n","text":"Company chooses not to provide a public response","context":": XXXX ruined my credit rating. \n : Company chooses not to provide a public response"},{"Question":"1. I am a condominium owner. My mortgage is with Bank of America The mortgagee requested flood insurance information which was provided. In spite of my coverage limit being in excess of the 100 % replacement value, BOA forced placed additional flood insurance \n","text":"Company chooses not to provide a public response","context":": 1. I am a condominium owner. My mortgage is with Bank of America The mortgagee requested flood insurance information which was provided. In spite of my coverage limit being in excess of the 100 % replacement value, BOA forced placed additional flood insurance \n : Company chooses not to provide a public response"},{"Question":"this acct is showing up on my credit report when it is not mine and yet it has not been removed i have faxed copies of my information police report \/ id theft affidavit and identification in this matter \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": this acct is showing up on my credit report when it is not mine and yet it has not been removed i have faxed copies of my information police report \/ id theft affidavit and identification in this matter \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Had a car loan with XXXX XXXX XXXX, which was voluntarily surrendered in XX\/XX\/XXXX. Said account is to be deleted from my credit file as of XX\/XX\/XXXX and it has not been done yet we in XX\/XX\/XXXX \n","text":"Company chooses not to provide a public response","context":": Had a car loan with XXXX XXXX XXXX, which was voluntarily surrendered in XX\/XX\/XXXX. Said account is to be deleted from my credit file as of XX\/XX\/XXXX and it has not been done yet we in XX\/XX\/XXXX \n : Company chooses not to provide a public response"},{"Question":"Trying to figure out if the company is charging me the guidelines of interest for an online pay day loan of ohio \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Trying to figure out if the company is charging me the guidelines of interest for an online pay day loan of ohio \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Had car loan with XXXX XXXX XXXX, same was voluntarily surrendered in XX\/XX\/XXXX. Item was to have been removed from my credit file from XX\/XX\/XXXX, and now is XX\/XX\/XXXX and it is not removed. \n","text":"Company chooses not to provide a public response","context":": Had car loan with XXXX XXXX XXXX, same was voluntarily surrendered in XX\/XX\/XXXX. Item was to have been removed from my credit file from XX\/XX\/XXXX, and now is XX\/XX\/XXXX and it is not removed. \n : Company chooses not to provide a public response"},{"Question":"There are XXXX hard pulls in my credit reports that I did not authorize. XXXX are from before I turned XXXX. Also, on XXXX of my credit reports there is an address that is not\/was never mine. \n","text":"Company chooses not to provide a public response","context":": There are XXXX hard pulls in my credit reports that I did not authorize. XXXX are from before I turned XXXX. Also, on XXXX of my credit reports there is an address that is not\/was never mine. \n : Company chooses not to provide a public response"},{"Question":"i have a reverse mortage with reverse mortage solutionsI am on a fixed income they require me to pay XXXXper month to pay the premium I only receive XXXX permonthI have a home onwers policy and auto insuranceutilites and dr and XXXX bills \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i have a reverse mortage with reverse mortage solutionsI am on a fixed income they require me to pay XXXXper month to pay the premium I only receive XXXX permonthI have a home onwers policy and auto insuranceutilites and dr and XXXX bills \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Disputed same errors on XXXX credit reports, XXXX bureau conducted the investigation and corrected the errors, the other bureau did not investigate anything however they did claim to have conducted an investigation, which is false. \n","text":"Company chooses not to provide a public response","context":": Disputed same errors on XXXX credit reports, XXXX bureau conducted the investigation and corrected the errors, the other bureau did not investigate anything however they did claim to have conducted an investigation, which is false. \n : Company chooses not to provide a public response"},{"Question":"I have received outstanding bills that have been paid in full. The bills and proof of the payment has also been attached. The bills have not been removed by the credit bureaus and have negatively affected my credit. \n","text":"Company chooses not to provide a public response","context":": I have received outstanding bills that have been paid in full. The bills and proof of the payment has also been attached. The bills have not been removed by the credit bureaus and have negatively affected my credit. \n : Company chooses not to provide a public response"},{"Question":"The following accounts below were deleted from my credit report ... \nXXXX XXXXI recently check my credit report and they have since then re-appeared. These need to be removed as the original dispute was valid and company was unable to furnish proof these were mine. \n","text":"Company chooses not to provide a public response","context":": The following accounts below were deleted from my credit report ... \nXXXX XXXXI recently check my credit report and they have since then re-appeared. These need to be removed as the original dispute was valid and company was unable to furnish proof these were mine. \n : Company chooses not to provide a public response"},{"Question":"The worst customer service I have ever experienced. Bank of America put a hold on my card without notice and then mailed me a new one. When I called to figure this out, I was hung up on twice and transferred to XXXX different departments. This is sick! \n","text":"Company chooses not to provide a public response","context":": The worst customer service I have ever experienced. Bank of America put a hold on my card without notice and then mailed me a new one. When I called to figure this out, I was hung up on twice and transferred to XXXX different departments. This is sick! \n : Company chooses not to provide a public response"},{"Question":"There is a fraud and someone is using my name, social security, date of birth to obtain a mortgage, car loan and credit card. This person requested a free credit report on XXXX XXXX, 2015. Therefore I ca n't get a report in my own name. \n","text":"Company chooses not to provide a public response","context":": There is a fraud and someone is using my name, social security, date of birth to obtain a mortgage, car loan and credit card. This person requested a free credit report on XXXX XXXX, 2015. Therefore I ca n't get a report in my own name. \n : Company chooses not to provide a public response"},{"Question":"Was getting weekly robo-calls from Harris & Harris for a year or more and then the calls seemed to stop, until today. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Was getting weekly robo-calls from Harris & Harris for a year or more and then the calls seemed to stop, until today. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I have had a fraudulent charge on my account, that the credit card company is refusing to remove from my account. \n","text":"Company chooses not to provide a public response","context":": I have had a fraudulent charge on my account, that the credit card company is refusing to remove from my account. \n : Company chooses not to provide a public response"},{"Question":"Disputed XXXX orig. Debtor : XXXX XXXX Bank as not mine, I learned this debtor is XXXX. \n\nNow duplicate reporting with collection agency showing Open Credit on C\/R \n","text":"Company chooses not to provide a public response","context":": Disputed XXXX orig. Debtor : XXXX XXXX Bank as not mine, I learned this debtor is XXXX. \n\nNow duplicate reporting with collection agency showing Open Credit on C\/R \n : Company chooses not to provide a public response"},{"Question":"XXXX made a error and send my ssn to different banks without my consent and flagship credit made hard inquires on my credit report with out my consent \n","text":"Company chooses not to provide a public response","context":": XXXX made a error and send my ssn to different banks without my consent and flagship credit made hard inquires on my credit report with out my consent \n : Company chooses not to provide a public response"},{"Question":"I request and update on my credit report through the mail with a ( certified mail with receipt ), I have not received any information and it has been over 30 day \n","text":"Company chooses not to provide a public response","context":": I request and update on my credit report through the mail with a ( certified mail with receipt ), I have not received any information and it has been over 30 day \n : Company chooses not to provide a public response"},{"Question":"SUNTRUST PUT HARD INQUIRES ON MY CREDIT REPORT WITHOUT MY CONSENT \n","text":"Company chooses not to provide a public response","context":": SUNTRUST PUT HARD INQUIRES ON MY CREDIT REPORT WITHOUT MY CONSENT \n : Company chooses not to provide a public response"},{"Question":"I XXXX XXXX XXXX, was a cosigner for a personal loan from XXXX. the loan was paid for in full about two years ago, how ever my credit report shows that the loan is still active. I am attaching an letter from XXXX, stating that the loan was paid in full. \n","text":"Company chooses not to provide a public response","context":": I XXXX XXXX XXXX, was a cosigner for a personal loan from XXXX. the loan was paid for in full about two years ago, how ever my credit report shows that the loan is still active. I am attaching an letter from XXXX, stating that the loan was paid in full. \n : Company chooses not to provide a public response"},{"Question":"I have a XXXX XXXX XXXX credit card offered through Barclay Bank. I never authorized automatic renew of my XXXX XXXX XXXX membership charged to XXXX XXXX XXXX credit card. Barclay Bank charged {$25.00} automatic renew fee and refused to issue refund. \n","text":"Company chooses not to provide a public response","context":": I have a XXXX XXXX XXXX credit card offered through Barclay Bank. I never authorized automatic renew of my XXXX XXXX XXXX membership charged to XXXX XXXX XXXX credit card. Barclay Bank charged {$25.00} automatic renew fee and refused to issue refund. \n : Company chooses not to provide a public response"},{"Question":"DISPUTED XXXX XXXX BANK SINCE XXXX. WITH THE ASSISTANCE FROM THE CFPB I HAVE GOTTEN IT DELETED FROM XXXX, HOWEVER THEY REMAIN ON XXXX AND TRANSUNION. I WILL NEED THE FRAUDULENT INQUIRIES REMOVE FROM ALL XXXX BUREAUS \n","text":"Company chooses not to provide a public response","context":": DISPUTED XXXX XXXX BANK SINCE XXXX. WITH THE ASSISTANCE FROM THE CFPB I HAVE GOTTEN IT DELETED FROM XXXX, HOWEVER THEY REMAIN ON XXXX AND TRANSUNION. I WILL NEED THE FRAUDULENT INQUIRIES REMOVE FROM ALL XXXX BUREAUS \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Duplicate entries, debtor : XXXX XXXX account # same as XXXX, triple reporting, aged out account XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Duplicate entries, debtor : XXXX XXXX account # same as XXXX, triple reporting, aged out account XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"Was unaware of debt until requested credit report \n","text":"Company disputes the facts presented in the complaint","context":": Was unaware of debt until requested credit report \n : Company disputes the facts presented in the complaint"},{"Question":"Repeatedly contacted to collect debt but wo n't give sufficient details of creditor or matter pertaining to \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Repeatedly contacted to collect debt but wo n't give sufficient details of creditor or matter pertaining to \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"there is a spelling of my name that is wrong. also it has an address Iv never lived at in there \n","text":"Company chooses not to provide a public response","context":": there is a spelling of my name that is wrong. also it has an address Iv never lived at in there \n : Company chooses not to provide a public response"},{"Question":"The company STELLAR RECOVERY INC has sent several emails threatening to have me arrested also to freeze my social security number and benefits as well as inform my boss and family that i owe money. \n","text":"Company disputes the facts presented in the complaint","context":": The company STELLAR RECOVERY INC has sent several emails threatening to have me arrested also to freeze my social security number and benefits as well as inform my boss and family that i owe money. \n : Company disputes the facts presented in the complaint"},{"Question":"Pressler and Pressler keeps charging me amount of money that was already paid for and recieved letters of accounts already paid in full. and just recently they issued another bank garnishment \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Pressler and Pressler keeps charging me amount of money that was already paid for and recieved letters of accounts already paid in full. and just recently they issued another bank garnishment \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX address on my credit report does not belong to me \n","text":"Company chooses not to provide a public response","context":": XXXX address on my credit report does not belong to me \n : Company chooses not to provide a public response"},{"Question":"My name and address is incorrect on my Trans Union credit report. My legal name is now XXXX XXXX my address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX \n","text":"Company chooses not to provide a public response","context":": My name and address is incorrect on my Trans Union credit report. My legal name is now XXXX XXXX my address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX \n : Company chooses not to provide a public response"},{"Question":"MY WELLS FARGO CREDIT CARD LIMIT IS INCORRECTLY LISTED AS HAVING ONLY A XXXX DOLLAR LIMIT. MY CREDIT CARD LIMIT IS XXXX DOLLARS FOR THAT CARD. \n","text":"Company chooses not to provide a public response","context":": MY WELLS FARGO CREDIT CARD LIMIT IS INCORRECTLY LISTED AS HAVING ONLY A XXXX DOLLAR LIMIT. MY CREDIT CARD LIMIT IS XXXX DOLLARS FOR THAT CARD. \n : Company chooses not to provide a public response"},{"Question":"Bank of America account was reported for suspected fraud activity. Charge off amount of XXXX is fraudulent and I am not responsible for the balance because I have never had this amount of money on my account. \n","text":"Company chooses not to provide a public response","context":": Bank of America account was reported for suspected fraud activity. Charge off amount of XXXX is fraudulent and I am not responsible for the balance because I have never had this amount of money on my account. \n : Company chooses not to provide a public response"},{"Question":"A person walked into Kay Jewelers and decided to purchase jewelry under my name. He then decided to go to a different store, a few days later and tried to purchase more jewelry under by name, but this time, I was informed and he did not purchase anything. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": A person walked into Kay Jewelers and decided to purchase jewelry under my name. He then decided to go to a different store, a few days later and tried to purchase more jewelry under by name, but this time, I was informed and he did not purchase anything. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Every year I have to battle to not have my property tax to be assessed so high to the point my escrow cant cover the charges. It has gone up every year and not by a little XXXX. My porperty and home are not worth the amount being charged. \n","text":"Company chooses not to provide a public response","context":": Every year I have to battle to not have my property tax to be assessed so high to the point my escrow cant cover the charges. It has gone up every year and not by a little XXXX. My porperty and home are not worth the amount being charged. \n : Company chooses not to provide a public response"},{"Question":"Someone opened credit cards in my name. They are delinquent and I have canceled them but they dropped my credit substantially and the credit report does n't reference fraud. \n","text":"Company chooses not to provide a public response","context":": Someone opened credit cards in my name. They are delinquent and I have canceled them but they dropped my credit substantially and the credit report does n't reference fraud. \n : Company chooses not to provide a public response"},{"Question":"Experian has reinserted wrong information on my credit report and has affected my credibility with loan officers. \n","text":"Company chooses not to provide a public response","context":": Experian has reinserted wrong information on my credit report and has affected my credibility with loan officers. \n : Company chooses not to provide a public response"},{"Question":"Transunion has reinserted negative unverifiable information and has damage my credibility with loan officers. \n","text":"Company chooses not to provide a public response","context":": Transunion has reinserted negative unverifiable information and has damage my credibility with loan officers. \n : Company chooses not to provide a public response"},{"Question":"a collection appeared on my credit report, this company did not inform me before it was added or inform me of my right to dispute. when i called the company they could not find the account. \n","text":"Company can't verify or dispute the facts in the complaint","context":": a collection appeared on my credit report, this company did not inform me before it was added or inform me of my right to dispute. when i called the company they could not find the account. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"The XXXX 's rents Inc.that are on my credit report on transition and XXXX is not mine.those were husband accts.they never put meme on accts. cause they said I was n't working. \n","text":"Company chooses not to provide a public response","context":": The XXXX 's rents Inc.that are on my credit report on transition and XXXX is not mine.those were husband accts.they never put meme on accts. cause they said I was n't working. \n : Company chooses not to provide a public response"},{"Question":"I am trying to modify my loan with Bank of America. However, they have filed a lawsuit for a \" relief of Stay '' so that they an start the foreclosure process on my house. They filed this lawsuit without offering me a loan modification. \n","text":"Company chooses not to provide a public response","context":": I am trying to modify my loan with Bank of America. However, they have filed a lawsuit for a \" relief of Stay '' so that they an start the foreclosure process on my house. They filed this lawsuit without offering me a loan modification. \n : Company chooses not to provide a public response"},{"Question":"I tried to dispute this information on Experion 's website according to the procedure they themselves give you to follow, but - as usual - the site did not allow me access to their services. \n","text":"Company chooses not to provide a public response","context":": I tried to dispute this information on Experion 's website according to the procedure they themselves give you to follow, but - as usual - the site did not allow me access to their services. \n : Company chooses not to provide a public response"},{"Question":"All these inquiries are past twenty four 24 months should be deleted : XXXX CARD XX\/XX\/XXXXThe folowing were included in past identity theft complaints issues. \nXXXX XX\/XX\/XXXXXXXX XXXX XX\/XX\/XXXXXXXX XXXX XXXX XX\/XX\/XXXXXXXX XX\/XX\/XXXXXXXX XX\/XX\/XXXXXXXX CARD XX\/XX\/XXXX \n","text":"Company chooses not to provide a public response","context":": All these inquiries are past twenty four 24 months should be deleted : XXXX CARD XX\/XX\/XXXXThe folowing were included in past identity theft complaints issues. \nXXXX XX\/XX\/XXXXXXXX XXXX XX\/XX\/XXXXXXXX XXXX XXXX XX\/XX\/XXXXXXXX XX\/XX\/XXXXXXXX XX\/XX\/XXXXXXXX CARD XX\/XX\/XXXX \n : Company chooses not to provide a public response"},{"Question":"I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them indicating that owed them, therefore I was not afforded my right to validation under statue 809 ( a ) of the FDCPA. \n","text":"Company chooses not to provide a public response","context":": I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them indicating that owed them, therefore I was not afforded my right to validation under statue 809 ( a ) of the FDCPA. \n : Company chooses not to provide a public response"},{"Question":"I see that there is an incorrect address that is reported on my TransUnion credit report. Please let me know what I can do about this so that it will not affect my credit score in any way. \n","text":"Company chooses not to provide a public response","context":": I see that there is an incorrect address that is reported on my TransUnion credit report. Please let me know what I can do about this so that it will not affect my credit score in any way. \n : Company chooses not to provide a public response"},{"Question":"ThePENN CREDIT CORPORATION XXXX call my number at least XXXX or XXXX times everyday and as late as XXXX on Sunday 's I answer and tell them to stop calling but they continue. This has been going on fo at least 6 months. Many times it 's a recording. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": ThePENN CREDIT CORPORATION XXXX call my number at least XXXX or XXXX times everyday and as late as XXXX on Sunday 's I answer and tell them to stop calling but they continue. This has been going on fo at least 6 months. Many times it 's a recording. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX\/loan care refuses to issue a payoff on a loan account \n","text":"Company chooses not to provide a public response","context":": XXXX\/loan care refuses to issue a payoff on a loan account \n : Company chooses not to provide a public response"},{"Question":"ELAN Financial service reported me 30 days late. I have made payments with them. I also informed them that I had a house fire and ID theft. I would like this late reporting removed from my report. \n","text":"Company chooses not to provide a public response","context":": ELAN Financial service reported me 30 days late. I have made payments with them. I also informed them that I had a house fire and ID theft. I would like this late reporting removed from my report. \n : Company chooses not to provide a public response"},{"Question":"I deposited a check via mobile deposit. The check was then stolen from me and cashed again XXXX I do n't know where ). The funds were withdrawn from my account by my bank and they tell me there is nothing they can do. \n","text":"Company chooses not to provide a public response","context":": I deposited a check via mobile deposit. The check was then stolen from me and cashed again XXXX I do n't know where ). The funds were withdrawn from my account by my bank and they tell me there is nothing they can do. \n : Company chooses not to provide a public response"},{"Question":"Other Debt : $ XXXX only owe XXXX {$9000.00} {$8900.00} ( - {$36.00} ) XXXXI only owe XXXX currently \n","text":"Company chooses not to provide a public response","context":": Other Debt : $ XXXX only owe XXXX {$9000.00} {$8900.00} ( - {$36.00} ) XXXXI only owe XXXX currently \n : Company chooses not to provide a public response"},{"Question":"Wells fargo furniture reported me late. I have made payments however they have discontinued my ability to make payments online. Every payment I made they returned. \n","text":"Company chooses not to provide a public response","context":": Wells fargo furniture reported me late. I have made payments however they have discontinued my ability to make payments online. Every payment I made they returned. \n : Company chooses not to provide a public response"},{"Question":"A company claiming to be Macy 's debt collection service continues to call from XXXX -- XXXX saying I owe money. I have not charged anything on a Macy 's account. \n","text":"Company chooses not to provide a public response","context":": A company claiming to be Macy 's debt collection service continues to call from XXXX -- XXXX saying I owe money. I have not charged anything on a Macy 's account. \n : Company chooses not to provide a public response"},{"Question":"I have never been to XXXX or lived there. I have lived in XXXX XXXX and XXXX XXXX XXXX. What can I do to take those addresses off my credit report? \n","text":"Company chooses not to provide a public response","context":": I have never been to XXXX or lived there. I have lived in XXXX XXXX and XXXX XXXX XXXX. What can I do to take those addresses off my credit report? \n : Company chooses not to provide a public response"},{"Question":"bankruptcy still on credit report. Bankruptcy submitted XX\/XX\/2004 \n","text":"Company chooses not to provide a public response","context":": bankruptcy still on credit report. Bankruptcy submitted XX\/XX\/2004 \n : Company chooses not to provide a public response"},{"Question":"I paid my federal taxes in full and the lien was released but it is still reported. \n","text":"Company chooses not to provide a public response","context":": I paid my federal taxes in full and the lien was released but it is still reported. \n : Company chooses not to provide a public response"},{"Question":"I have disputed the issue and have received no response. \n","text":"Company chooses not to provide a public response","context":": I have disputed the issue and have received no response. \n : Company chooses not to provide a public response"},{"Question":"Experian is not responding to any of my requests to investigate and remove accounts from my credit report that were opened fraudulently. \n","text":"Company chooses not to provide a public response","context":": Experian is not responding to any of my requests to investigate and remove accounts from my credit report that were opened fraudulently. \n : Company chooses not to provide a public response"},{"Question":"After I paid my credit card in full before the due date the bank still charged me interest saying it was due to the amount was for covering my bank account being short. I had already paid a {$15.00} fee. I believe that is unfair if the bill is paid before the due date. \n","text":"Company chooses not to provide a public response","context":": After I paid my credit card in full before the due date the bank still charged me interest saying it was due to the amount was for covering my bank account being short. I had already paid a {$15.00} fee. I believe that is unfair if the bill is paid before the due date. \n : Company chooses not to provide a public response"},{"Question":"SUN TRUST Bank refuses to grant my loan request ( Reference ID XXXX ) because \" After reviewing your application, we regret that we are unable to approve your request based on the following reason : Unable to obtain credit report from consumer reporting agency XXXX. '' \n","text":"Company chooses not to provide a public response","context":": SUN TRUST Bank refuses to grant my loan request ( Reference ID XXXX ) because \" After reviewing your application, we regret that we are unable to approve your request based on the following reason : Unable to obtain credit report from consumer reporting agency XXXX. '' \n : Company chooses not to provide a public response"},{"Question":"this debt is on my credit report and I do n't know what this debt is \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": this debt is on my credit report and I do n't know what this debt is \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"THE BUREAU TRANS UNION. HAS XXXX INQUIREIES THAT WERE UNAUTHORIZED. \nCOLLECTIONSNOT MINE\/XXXX -PAID IN FULLXXXX XXXX-NOT MINEXXXX XXXX -NOT MINE \n","text":"Company chooses not to provide a public response","context":": THE BUREAU TRANS UNION. HAS XXXX INQUIREIES THAT WERE UNAUTHORIZED. \nCOLLECTIONSNOT MINE\/XXXX -PAID IN FULLXXXX XXXX-NOT MINEXXXX XXXX -NOT MINE \n : Company chooses not to provide a public response"},{"Question":"SPS Select Portfoloio Servincing , Inc. continues to send someone every month on Saturday to deliver notes to contact them at XXXX. In addition, they take photos of the property. \n","text":"Company chooses not to provide a public response","context":": SPS Select Portfoloio Servincing , Inc. continues to send someone every month on Saturday to deliver notes to contact them at XXXX. In addition, they take photos of the property. \n : Company chooses not to provide a public response"},{"Question":"Mortgage company continues to play games and has not provided me with the documentation I requested. I am attaching a copy of the fax of the communication history with Wells Fargo Home Mortgage. \n","text":"Company chooses not to provide a public response","context":": Mortgage company continues to play games and has not provided me with the documentation I requested. I am attaching a copy of the fax of the communication history with Wells Fargo Home Mortgage. \n : Company chooses not to provide a public response"},{"Question":"Trans Union is not responding to my numerous requests to investigate, verify and remove the accounts from my credit report that were opened fraudulently. \n","text":"Company chooses not to provide a public response","context":": Trans Union is not responding to my numerous requests to investigate, verify and remove the accounts from my credit report that were opened fraudulently. \n : Company chooses not to provide a public response"},{"Question":"It shows on my credit that I have a XXXX account which I have never owned a XXXX account let alone know how to use a XXXX. This should never have been on my credit. \n","text":"Company chooses not to provide a public response","context":": It shows on my credit that I have a XXXX account which I have never owned a XXXX account let alone know how to use a XXXX. This should never have been on my credit. \n : Company chooses not to provide a public response"},{"Question":"I contacted Pinnacle Credit Services many times regarding the XXXX accounts but they still report balance although they said they closed it .I sent them id theft report and other paperwork. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I contacted Pinnacle Credit Services many times regarding the XXXX accounts but they still report balance although they said they closed it .I sent them id theft report and other paperwork. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is a account pop up on my report which i have no clue about. \n","text":"Company chooses not to provide a public response","context":": There is a account pop up on my report which i have no clue about. \n : Company chooses not to provide a public response"},{"Question":"there is some account on my report i have no clue who this belongs to. \n","text":"Company chooses not to provide a public response","context":": there is some account on my report i have no clue who this belongs to. \n : Company chooses not to provide a public response"},{"Question":"According to Experian I have incorrect names on my credit history as well as an account in collections with XXXX which was already paid in full. \n","text":"Company chooses not to provide a public response","context":": According to Experian I have incorrect names on my credit history as well as an account in collections with XXXX which was already paid in full. \n : Company chooses not to provide a public response"},{"Question":"I had a XXXX XXXX account though XXXX Bank that was closed and paid as agreed and paid off. I investigate this account several time though the credit bureaus and they did not remove this account. XXXX Bank send me a email today stating this account was paid in full and never late. \n","text":"Company chooses not to provide a public response","context":": I had a XXXX XXXX account though XXXX Bank that was closed and paid as agreed and paid off. I investigate this account several time though the credit bureaus and they did not remove this account. XXXX Bank send me a email today stating this account was paid in full and never late. \n : Company chooses not to provide a public response"},{"Question":"Pulled credit report without permission, \n","text":"Company chooses not to provide a public response","context":": Pulled credit report without permission, \n : Company chooses not to provide a public response"},{"Question":"Selling a invalid amended note to bank of XXXX and servicing rights to XXXX and refusing to investigate the issue when brought up to there attension \n","text":"Company chooses not to provide a public response","context":": Selling a invalid amended note to bank of XXXX and servicing rights to XXXX and refusing to investigate the issue when brought up to there attension \n : Company chooses not to provide a public response"},{"Question":"I am under a unlawful, deceptive, and discriminatory foreclosure practices and the company SELECT PORTFOLIO SERVICING INC . \n\nthe system is not taking any attachments at all & gt ; \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am under a unlawful, deceptive, and discriminatory foreclosure practices and the company SELECT PORTFOLIO SERVICING INC . \n\nthe system is not taking any attachments at all & gt ; \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Paypal has froze both my personal and business accounts since XXXX. The only response I have is \" We would like to learn more about some of your recent transactions. '' I have been on the phone with them multiple times and can not get a straight answer. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Paypal has froze both my personal and business accounts since XXXX. The only response I have is \" We would like to learn more about some of your recent transactions. '' I have been on the phone with them multiple times and can not get a straight answer. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I hereby dispute the reply of SunTrust to my complaint by way of CFPB Case nUmber XXXX \n","text":"Company chooses not to provide a public response","context":": I hereby dispute the reply of SunTrust to my complaint by way of CFPB Case nUmber XXXX \n : Company chooses not to provide a public response"},{"Question":"My XXXX account has been paid in full as well as XXXX \n","text":"Company chooses not to provide a public response","context":": My XXXX account has been paid in full as well as XXXX \n : Company chooses not to provide a public response"},{"Question":"SPS Servicing frequently calls my home phone and when I answer the person who called me has no idea my they called. SPS states that their computer told them to call me. I wish this practice to stop. I would like SPS to know why they call me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": SPS Servicing frequently calls my home phone and when I answer the person who called me has no idea my they called. SPS states that their computer told them to call me. I wish this practice to stop. I would like SPS to know why they call me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"applied at XXXX and requested my annual XXXX free reports, none of the XXXX reporting agencies would relesase\/show me my own credit information? \n","text":"Company chooses not to provide a public response","context":": applied at XXXX and requested my annual XXXX free reports, none of the XXXX reporting agencies would relesase\/show me my own credit information? \n : Company chooses not to provide a public response"},{"Question":"I never lived at XXXX XXXX XXXX XXXX New Hampshire, that was my daughters old address. \n","text":"Company chooses not to provide a public response","context":": I never lived at XXXX XXXX XXXX XXXX New Hampshire, that was my daughters old address. \n : Company chooses not to provide a public response"},{"Question":"This particular issue is with all XXXX credit unions. They have me exceeding the limit with XXXX XXXX however, this card has a XXXX balance. In fact all my credit cards are paid in full. \n","text":"Company chooses not to provide a public response","context":": This particular issue is with all XXXX credit unions. They have me exceeding the limit with XXXX XXXX however, this card has a XXXX balance. In fact all my credit cards are paid in full. \n : Company chooses not to provide a public response"},{"Question":"IRS had put a levy on my account and it was done by error on there part. now i 'm still hit wit the bank charges and the IRS rep said they would inform the bank not to. \n","text":"Company chooses not to provide a public response","context":": IRS had put a levy on my account and it was done by error on there part. now i 'm still hit wit the bank charges and the IRS rep said they would inform the bank not to. \n : Company chooses not to provide a public response"},{"Question":"I have not had XXXX in over 8-9 years, this collection agency has it listed on my credit file and it is over the statute of limitations and can not validate this. Please help \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have not had XXXX in over 8-9 years, this collection agency has it listed on my credit file and it is over the statute of limitations and can not validate this. Please help \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"On XXXX\/XXXX\/15 I sent Central Credit a cease and desist letter. They continue to call me XXXX times a day from different telephone numbers. \n","text":"Company chooses not to provide a public response","context":": On XXXX\/XXXX\/15 I sent Central Credit a cease and desist letter. They continue to call me XXXX times a day from different telephone numbers. \n : Company chooses not to provide a public response"},{"Question":"So Experian has a massive data breach through XXXX, and I get to pay them, and the other XXXX XXXX, for the privilege of freezing my credit reports to minimize the damage they did to me through their incompetence. See anything wrong with this? \n","text":"Company chooses not to provide a public response","context":": So Experian has a massive data breach through XXXX, and I get to pay them, and the other XXXX XXXX, for the privilege of freezing my credit reports to minimize the damage they did to me through their incompetence. See anything wrong with this? \n : Company chooses not to provide a public response"},{"Question":"Unable to receive any monthly statements for a loan that I opened in XXXX 2014 \n","text":"Company believes complaint is the result of an isolated error","context":": Unable to receive any monthly statements for a loan that I opened in XXXX 2014 \n : Company believes complaint is the result of an isolated error"},{"Question":"Company Mohela calling as debt collector for a person I live with. I am not a co-signer on the said debt and not certain how my number got in their records. Today alone, I have received XXXX calls within 1 hour. XXXX calls the day before as well. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Company Mohela calling as debt collector for a person I live with. I am not a co-signer on the said debt and not certain how my number got in their records. Today alone, I have received XXXX calls within 1 hour. XXXX calls the day before as well. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"iN REVIEWING MY CREDIT REPORTS WITH eXPERIAN AND XXXX, I noticed that the Accounts section is devoid of any relevant information regarding my current revolving account with XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": iN REVIEWING MY CREDIT REPORTS WITH eXPERIAN AND XXXX, I noticed that the Accounts section is devoid of any relevant information regarding my current revolving account with XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Wellsfargo continuously misapplies payments and proceeds to charge late fees. \n","text":"Company chooses not to provide a public response","context":": Wellsfargo continuously misapplies payments and proceeds to charge late fees. \n : Company chooses not to provide a public response"},{"Question":"I have suffered at the hands of this collection agency, and have already reported them to the CFPB for malicious prosecution. Please see complaint Case number : XXXX \n\nToday I received my XXXX credit profile only to find their derogatory tradeline displayed. \n","text":"Company chooses not to provide a public response","context":": I have suffered at the hands of this collection agency, and have already reported them to the CFPB for malicious prosecution. Please see complaint Case number : XXXX \n\nToday I received my XXXX credit profile only to find their derogatory tradeline displayed. \n : Company chooses not to provide a public response"},{"Question":"Unable to obtain any of my annual credit reports online. I have had XXXX cc frauds in past year. How an you monitor credit if you ca n't get reports? \n","text":"Company chooses not to provide a public response","context":": Unable to obtain any of my annual credit reports online. I have had XXXX cc frauds in past year. How an you monitor credit if you ca n't get reports? \n : Company chooses not to provide a public response"},{"Question":"Bank of America provided a pre selected offer then declined the pre selected offer despite having an adequate income etc. The preselection offer was made using a soft pull on my credit minutes prior to the decline and therefore is illogical. \n","text":"Company chooses not to provide a public response","context":": Bank of America provided a pre selected offer then declined the pre selected offer despite having an adequate income etc. The preselection offer was made using a soft pull on my credit minutes prior to the decline and therefore is illogical. \n : Company chooses not to provide a public response"},{"Question":"I got a home equity loan, that shows up as a revolving line of credit on XXXX of my credit reports.This is not a revolving line of credit. Any help with this matter would be greatly appreciated. Thank you. \n","text":"Company chooses not to provide a public response","context":": I got a home equity loan, that shows up as a revolving line of credit on XXXX of my credit reports.This is not a revolving line of credit. Any help with this matter would be greatly appreciated. Thank you. \n : Company chooses not to provide a public response"},{"Question":"I have already filed complaint # XXXX which has been closed with no satisfactory resolution.My continued complaint will be attached \n","text":"Company chooses not to provide a public response","context":": I have already filed complaint # XXXX which has been closed with no satisfactory resolution.My continued complaint will be attached \n : Company chooses not to provide a public response"},{"Question":"I wanted to close a security freeze lift I had placed on mycredit file earlier than originally input. Experian providesno means to accomplish this. \n","text":"Company chooses not to provide a public response","context":": I wanted to close a security freeze lift I had placed on mycredit file earlier than originally input. Experian providesno means to accomplish this. \n : Company chooses not to provide a public response"},{"Question":"At the time of the lease agreement, I was under legal age to sign lease agreement. I was still in XXXX school and on the lease we agreed he was head of house hold. I had no job just school That was also written on the lease XXXX. \n","text":"Company chooses not to provide a public response","context":": At the time of the lease agreement, I was under legal age to sign lease agreement. I was still in XXXX school and on the lease we agreed he was head of house hold. I had no job just school That was also written on the lease XXXX. \n : Company chooses not to provide a public response"},{"Question":"calling on Sunday night late \n","text":"Company believes the complaint is the result of a misunderstanding","context":": calling on Sunday night late \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"CitiMortgage owes me an funds for overpayment. Multiple unknown and unauthorized transaction activities have occurred since at least XX\/XX\/XXXX. Loan originated XX\/XX\/XXXX. \n","text":"Company chooses not to provide a public response","context":": CitiMortgage owes me an funds for overpayment. Multiple unknown and unauthorized transaction activities have occurred since at least XX\/XX\/XXXX. Loan originated XX\/XX\/XXXX. \n : Company chooses not to provide a public response"},{"Question":"Paid collection through one company, and they sold it again to another company. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Paid collection through one company, and they sold it again to another company. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Bank of America is reporting Suspected Fraud Activity on XXXX and this is not accurate. I would like to dispute this and have it removed from XXXX. This was reported on XXXX\/XXXX\/2013 with a charge off amount of {$98.00} which is not accurate. \n","text":"Company chooses not to provide a public response","context":": Bank of America is reporting Suspected Fraud Activity on XXXX and this is not accurate. I would like to dispute this and have it removed from XXXX. This was reported on XXXX\/XXXX\/2013 with a charge off amount of {$98.00} which is not accurate. \n : Company chooses not to provide a public response"},{"Question":"STILL WAITING FOR THIS INQUIRY FROM XXXX TO BE REMOVED EVEN THOUGH EXPERIAN HAS LETTERS FROM THEM STATING IT WAS AN ERROR ON THEIR PART AND SHOULD NOT HAVE BEEN RUN AGAINST ME, \n","text":"Company chooses not to provide a public response","context":": STILL WAITING FOR THIS INQUIRY FROM XXXX TO BE REMOVED EVEN THOUGH EXPERIAN HAS LETTERS FROM THEM STATING IT WAS AN ERROR ON THEIR PART AND SHOULD NOT HAVE BEEN RUN AGAINST ME, \n : Company chooses not to provide a public response"},{"Question":"Continue to call after I told them not to call any further. I told them to forward any information to the address on file. They also continued to call other people looking for me. \n","text":"Company disputes the facts presented in the complaint","context":": Continue to call after I told them not to call any further. I told them to forward any information to the address on file. They also continued to call other people looking for me. \n : Company disputes the facts presented in the complaint"},{"Question":"XXXX Mortgage and BSI Financial , Inc., both mortgage servicers - failed to credit my mortgage account for HAMP payments. I had to sue them in small claims court in order to force them to comply with the law. \n","text":"Company disputes the facts presented in the complaint","context":": XXXX Mortgage and BSI Financial , Inc., both mortgage servicers - failed to credit my mortgage account for HAMP payments. I had to sue them in small claims court in order to force them to comply with the law. \n : Company disputes the facts presented in the complaint"},{"Question":"I responded on XXXX\/XXXX\/15 for reinvestigation and have not received response back from TransUnion case # XXXX \n","text":"Company chooses not to provide a public response","context":": I responded on XXXX\/XXXX\/15 for reinvestigation and have not received response back from TransUnion case # XXXX \n : Company chooses not to provide a public response"},{"Question":"Credit card account for The XXXX XXXX via XXXX is suddenly listed on my credit report, dating from 2003. I do not currently and have never had a credit card from The XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": Credit card account for The XXXX XXXX via XXXX is suddenly listed on my credit report, dating from 2003. I do not currently and have never had a credit card from The XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"Company has failed to respond within 30 days \n","text":"Company chooses not to provide a public response","context":": Company has failed to respond within 30 days \n : Company chooses not to provide a public response"},{"Question":"SWOME ONE BREAK IN XXXX HOUSE I DID REPORT POLICE EVERYTHING IS XXXX XXXX XXXX AND COMPUTER AND CHECKING STOLE. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": SWOME ONE BREAK IN XXXX HOUSE I DID REPORT POLICE EVERYTHING IS XXXX XXXX XXXX AND COMPUTER AND CHECKING STOLE. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I had noticed items on my credit report that was sent to collections and an immediate red flag popped up and I said that this is n't me. I disupted the items for removal and nothing was done to resolve this issue. \n","text":"Company chooses not to provide a public response","context":": I had noticed items on my credit report that was sent to collections and an immediate red flag popped up and I said that this is n't me. I disupted the items for removal and nothing was done to resolve this issue. \n : Company chooses not to provide a public response"},{"Question":"XXXX was paid off and the last toolbox was voluntary return and the gentleman took all my tools that I had already paid for on previous account that was paid for \n","text":"Company chooses not to provide a public response","context":": XXXX was paid off and the last toolbox was voluntary return and the gentleman took all my tools that I had already paid for on previous account that was paid for \n : Company chooses not to provide a public response"},{"Question":"Looked at a printed Experian copyPrevious employer \" XXXX XXXX '' is listed under \" XXXX XXXX XXXX '' looks like they are questioning ss # and address. needs to be fixed \n","text":"Company chooses not to provide a public response","context":": Looked at a printed Experian copyPrevious employer \" XXXX XXXX '' is listed under \" XXXX XXXX XXXX '' looks like they are questioning ss # and address. needs to be fixed \n : Company chooses not to provide a public response"},{"Question":"we have an agreement and this should not be reported in my account \n","text":"Company chooses not to provide a public response","context":": we have an agreement and this should not be reported in my account \n : Company chooses not to provide a public response"},{"Question":"I am requesting that Experian immediately update and correct the address listed on the Experian Credit File to read : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to correctly identify me in their system. \n","text":"Company chooses not to provide a public response","context":": I am requesting that Experian immediately update and correct the address listed on the Experian Credit File to read : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to correctly identify me in their system. \n : Company chooses not to provide a public response"},{"Question":"incorrect info on my report \n","text":"Company chooses not to provide a public response","context":": incorrect info on my report \n : Company chooses not to provide a public response"},{"Question":"Ive been getting calls and they do n't leave a message. I 've had a comminication issue witg this company im the past \n","text":"Company chooses not to provide a public response","context":": Ive been getting calls and they do n't leave a message. I 've had a comminication issue witg this company im the past \n : Company chooses not to provide a public response"},{"Question":"There was a hard inquiry on my transunion credit report that I did not authorize. It is from in XXXX XXXX, FL. \n","text":"Company chooses not to provide a public response","context":": There was a hard inquiry on my transunion credit report that I did not authorize. It is from in XXXX XXXX, FL. \n : Company chooses not to provide a public response"},{"Question":"Their is a address listed on my credit report that I never lived at \n","text":"Company chooses not to provide a public response","context":": Their is a address listed on my credit report that I never lived at \n : Company chooses not to provide a public response"},{"Question":"Medical breach of records and have submitted proof and now they and their lawyers are trying to collect same debt \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Medical breach of records and have submitted proof and now they and their lawyers are trying to collect same debt \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There are tax lien 's on my report. I have always paid ALL my taxes on everything. Was never notified by anyone that there was an issue until I looked at this report. \n","text":"Company chooses not to provide a public response","context":": There are tax lien 's on my report. I have always paid ALL my taxes on everything. Was never notified by anyone that there was an issue until I looked at this report. \n : Company chooses not to provide a public response"},{"Question":"There is a collection account on my credit for {$290.00} for service I never used. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": There is a collection account on my credit for {$290.00} for service I never used. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is a collection account on my credit for {$290.00} for service I never used. \n","text":"Company can't verify or dispute the facts in the complaint","context":": There is a collection account on my credit for {$290.00} for service I never used. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I see on my credit report that there is a collection account for something I have never used. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I see on my credit report that there is a collection account for something I have never used. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"FORSTER & GARBUS IS ATTEMPTING TO COLLECT A DEBT FROM ME ON A XXXX XXXX CREDIT CARD ACCOUNT THAT IS FROM SEVEN YEARS AGO. THE DEBT IS NO LONGER LISTED ON ALL THREE OF MY CREDIT CARD REPORTS.THE DEBT IS LISTED AS BEING FOR THE AMOUNT OF {$970.00}. \n","text":"Company chooses not to provide a public response","context":": FORSTER & GARBUS IS ATTEMPTING TO COLLECT A DEBT FROM ME ON A XXXX XXXX CREDIT CARD ACCOUNT THAT IS FROM SEVEN YEARS AGO. THE DEBT IS NO LONGER LISTED ON ALL THREE OF MY CREDIT CARD REPORTS.THE DEBT IS LISTED AS BEING FOR THE AMOUNT OF {$970.00}. \n : Company chooses not to provide a public response"},{"Question":"Credit score and report will not come up \n","text":"Company chooses not to provide a public response","context":": Credit score and report will not come up \n : Company chooses not to provide a public response"},{"Question":"The information on my Experian credit report is out of date. Also, there are credit cards on my report that I have never ever had. I never had a XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": The information on my Experian credit report is out of date. Also, there are credit cards on my report that I have never ever had. I never had a XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"I HAVE HAD NO SUCCESS \n","text":"Company chooses not to provide a public response","context":": I HAVE HAD NO SUCCESS \n : Company chooses not to provide a public response"},{"Question":"Received more than XXXX overdraft fee in XXXX day for different transactions \n","text":"Company chooses not to provide a public response","context":": Received more than XXXX overdraft fee in XXXX day for different transactions \n : Company chooses not to provide a public response"},{"Question":"Paid off an account with XXXX XXXX listed in collections about two months ago, but it 's still listed as outstanding. \n","text":"Company chooses not to provide a public response","context":": Paid off an account with XXXX XXXX listed in collections about two months ago, but it 's still listed as outstanding. \n : Company chooses not to provide a public response"},{"Question":"Experian refuses to acknowledge that my wife and I have a mortgage with XXXX. We talked to both Experian and XXXX and both said the would correct the problem back around XXXX 2015. I looked at my Experian report today and the information was still missing. \n","text":"Company chooses not to provide a public response","context":": Experian refuses to acknowledge that my wife and I have a mortgage with XXXX. We talked to both Experian and XXXX and both said the would correct the problem back around XXXX 2015. I looked at my Experian report today and the information was still missing. \n : Company chooses not to provide a public response"},{"Question":"There is information on my report that both of my banks have confirmed are not mine and should be removed. It was filed in a bank rupt claim XXXX years ago. The XXXX credit card in the dispute belonged to my sister. It list me as an authorized user from XXXX. \n","text":"Company chooses not to provide a public response","context":": There is information on my report that both of my banks have confirmed are not mine and should be removed. It was filed in a bank rupt claim XXXX years ago. The XXXX credit card in the dispute belonged to my sister. It list me as an authorized user from XXXX. \n : Company chooses not to provide a public response"},{"Question":"This collection agency is alleging I owe a debt. I have never received any letter from this company and I do not know how this collection agency retrieved my personal information. \n","text":"Company chooses not to provide a public response","context":": This collection agency is alleging I owe a debt. I have never received any letter from this company and I do not know how this collection agency retrieved my personal information. \n : Company chooses not to provide a public response"},{"Question":"Called and left messages with other staff at the office, when the office manager called them to discuss this as not being legal, they were abusive on the phone and hung up. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Called and left messages with other staff at the office, when the office manager called them to discuss this as not being legal, they were abusive on the phone and hung up. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"did not request credit increase from XXXX XXXX dept store and it has damaged my credit \n","text":"Company chooses not to provide a public response","context":": did not request credit increase from XXXX XXXX dept store and it has damaged my credit \n : Company chooses not to provide a public response"},{"Question":"I received a letter from this company demanding money from me. To my knowledge I have never entered into a contract with this company and they have never provided me a service. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received a letter from this company demanding money from me. To my knowledge I have never entered into a contract with this company and they have never provided me a service. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They have now sent and got information about me through my bank and will not leave me alone they are threatening me everyday and they stole my personal information from my personal bank \n","text":"Company chooses not to provide a public response","context":": They have now sent and got information about me through my bank and will not leave me alone they are threatening me everyday and they stole my personal information from my personal bank \n : Company chooses not to provide a public response"},{"Question":"I 've got ta collection from XXXX XXXX for an account that does not belong to me! \nThough I make my credit payments on Time and have stable XXXX job ; I am unable to apply for credit or improve my Families Well Being. due to the above mistake fromt he collection and credit agencies. \n","text":"Company chooses not to provide a public response","context":": I 've got ta collection from XXXX XXXX for an account that does not belong to me! \nThough I make my credit payments on Time and have stable XXXX job ; I am unable to apply for credit or improve my Families Well Being. due to the above mistake fromt he collection and credit agencies. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX, Ohio keeps calling me up at workplace, home cell phone and any which way they can to make me owe a debt that 's not mine. I 've repeatedly told them to stop calling and send letters without proof but there 's no benefit. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX XXXX XXXX XXXX, Ohio keeps calling me up at workplace, home cell phone and any which way they can to make me owe a debt that 's not mine. I 've repeatedly told them to stop calling and send letters without proof but there 's no benefit. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is an address I have never lived at XXXX XXXX XXXX XXXX XXXX AZ XXXXI have never stepped foot in the state of Arizona. Yet it was listed as an address of residency on my report. \n","text":"Company chooses not to provide a public response","context":": There is an address I have never lived at XXXX XXXX XXXX XXXX XXXX AZ XXXXI have never stepped foot in the state of Arizona. Yet it was listed as an address of residency on my report. \n : Company chooses not to provide a public response"},{"Question":"In reviewing my credit score online, I discovered a XXXX XXXX XXXX account that is not mine associated with my profile and a name and address that is also not mine associated with my profile. It seems as though someone else 's information has been associated with me. \n","text":"Company chooses not to provide a public response","context":": In reviewing my credit score online, I discovered a XXXX XXXX XXXX account that is not mine associated with my profile and a name and address that is also not mine associated with my profile. It seems as though someone else 's information has been associated with me. \n : Company chooses not to provide a public response"},{"Question":"I do not have XXXX nor have i ever had XXXX service \n","text":"Company chooses not to provide a public response","context":": I do not have XXXX nor have i ever had XXXX service \n : Company chooses not to provide a public response"},{"Question":"I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, 2014. please help me remove these from my report? \n\nXXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, 2014. please help me remove these from my report? \n\nXXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Experian placed a credit inquiry on my report with out documenting the information. \n","text":"Company chooses not to provide a public response","context":": Experian placed a credit inquiry on my report with out documenting the information. \n : Company chooses not to provide a public response"},{"Question":"Continuing phone calls from US Bank regading credit card payments. I am signed up with a credit card repair agency. \n","text":"Company chooses not to provide a public response","context":": Continuing phone calls from US Bank regading credit card payments. I am signed up with a credit card repair agency. \n : Company chooses not to provide a public response"},{"Question":"Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this Citi debt is not mine. \n","text":"Company chooses not to provide a public response","context":": Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this Citi debt is not mine. \n : Company chooses not to provide a public response"},{"Question":"I purchased insurance with this company in XXXX 2013 and cancelled due to there were not able to cover my home insurance policy. At which time I submitted a letter of cancellation and paid a the final payment. \n","text":"Company chooses not to provide a public response","context":": I purchased insurance with this company in XXXX 2013 and cancelled due to there were not able to cover my home insurance policy. At which time I submitted a letter of cancellation and paid a the final payment. \n : Company chooses not to provide a public response"},{"Question":"it took me 10years to fix my credit when up to XXXX I pay lots of money to fix my cccccccc credit some reason in 2 months my credit when down to XXXX with XXXX credit bureau I need consumer financial help me to get my credit up to XXXX so I can get home loan \n","text":"Company chooses not to provide a public response","context":": it took me 10years to fix my credit when up to XXXX I pay lots of money to fix my cccccccc credit some reason in 2 months my credit when down to XXXX with XXXX credit bureau I need consumer financial help me to get my credit up to XXXX so I can get home loan \n : Company chooses not to provide a public response"},{"Question":"My identity was stolen. I filed a XXXX XXXX XXXX police report Case No. XXXX, and also a F.T.C. \" Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to XXXX XXXX, XXXX, and Experian. They did not do a thorough investigation. \n","text":"Company chooses not to provide a public response","context":": My identity was stolen. I filed a XXXX XXXX XXXX police report Case No. XXXX, and also a F.T.C. \" Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to XXXX XXXX, XXXX, and Experian. They did not do a thorough investigation. \n : Company chooses not to provide a public response"},{"Question":"My identity was stolen. I filed a XXXX XXXX City police report Case No. XXXX, and also a F.T.C. \" Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to Trans Union, XXXX, and XXXX. They did not do a thorough investigation. \n","text":"Company chooses not to provide a public response","context":": My identity was stolen. I filed a XXXX XXXX City police report Case No. XXXX, and also a F.T.C. \" Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to Trans Union, XXXX, and XXXX. They did not do a thorough investigation. \n : Company chooses not to provide a public response"},{"Question":"I contacted Credit Management LP and I requested that they validate the debt and I got no response. I requested that they remove this item from my credit report and they refused. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I contacted Credit Management LP and I requested that they validate the debt and I got no response. I requested that they remove this item from my credit report and they refused. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I have been watching my credit very closely to make sure it does n't have anything negative I was recently informed of some {$21.00} debt by a company mead and associates I was NEVER notified or given a chance to dispute debt \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have been watching my credit very closely to make sure it does n't have anything negative I was recently informed of some {$21.00} debt by a company mead and associates I was NEVER notified or given a chance to dispute debt \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I make multiple payments towards my monthly mortgage balance. The payments are not applied to my mortgage at the time of payment but are held in a ledger account until the entire minimum is received. I believe this practice is wrong and does n't benefit me the mortgage holder. \n","text":"Company chooses not to provide a public response","context":": I make multiple payments towards my monthly mortgage balance. The payments are not applied to my mortgage at the time of payment but are held in a ledger account until the entire minimum is received. I believe this practice is wrong and does n't benefit me the mortgage holder. \n : Company chooses not to provide a public response"},{"Question":"Kay jeweler found my family members phone numbers and has called them continuously to get messages to me. They went so far to tell my sister the name of their company and about how far behind my account is with them. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Kay jeweler found my family members phone numbers and has called them continuously to get messages to me. They went so far to tell my sister the name of their company and about how far behind my account is with them. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I deposited a check into my Wells Fargo account. The check bounced. I was charged a \" returned check '' fee that amounted to XXXX % of the check 's value. \n\nThe Wells Fargo manager acknowledged there is no way of me preventing this charge, but refused to issue a refund. \n","text":"Company chooses not to provide a public response","context":": I deposited a check into my Wells Fargo account. The check bounced. I was charged a \" returned check '' fee that amounted to XXXX % of the check 's value. \n\nThe Wells Fargo manager acknowledged there is no way of me preventing this charge, but refused to issue a refund. \n : Company chooses not to provide a public response"},{"Question":"I recently checked my credit score and noticed my score went from XXXX to XXXX so I got a full credit report from transunion and saw a tax lien on me for {$80.00}. I have no idea where it came from since I have never gotten any notice of any bill unpaid or lien. \n","text":"Company chooses not to provide a public response","context":": I recently checked my credit score and noticed my score went from XXXX to XXXX so I got a full credit report from transunion and saw a tax lien on me for {$80.00}. I have no idea where it came from since I have never gotten any notice of any bill unpaid or lien. \n : Company chooses not to provide a public response"},{"Question":"Ive been writing and mailing Experian to remove erroneous information off my credit report, however, they are refusing to properly investigate my proof and correct the information. \n","text":"Company chooses not to provide a public response","context":": Ive been writing and mailing Experian to remove erroneous information off my credit report, however, they are refusing to properly investigate my proof and correct the information. \n : Company chooses not to provide a public response"},{"Question":"XXXX and Experian on line dispute webpage do not allow you to complete your dispute on line. XXXX does. \n","text":"Company chooses not to provide a public response","context":": XXXX and Experian on line dispute webpage do not allow you to complete your dispute on line. XXXX does. \n : Company chooses not to provide a public response"},{"Question":"Debt was paid XXXX\/XXXX\/2014, Was promise to remove\/delete file from XXXX credit bureaus \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt was paid XXXX\/XXXX\/2014, Was promise to remove\/delete file from XXXX credit bureaus \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Debt was paid XXXX\/XXXX\/2014, Was promise to remove\/delete file from XXXX credit bureaus \n","text":"Company chooses not to provide a public response","context":": Debt was paid XXXX\/XXXX\/2014, Was promise to remove\/delete file from XXXX credit bureaus \n : Company chooses not to provide a public response"},{"Question":"My wells Fargo account online was apparently breached by some scam artists and this comp is trying to blame me. Why on earth would I tamper with my own finances?? \n","text":"Company chooses not to provide a public response","context":": My wells Fargo account online was apparently breached by some scam artists and this comp is trying to blame me. Why on earth would I tamper with my own finances?? \n : Company chooses not to provide a public response"},{"Question":"there is a charge on my credit report that is not mine please remove it i have never had an XXXX account in cali \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": there is a charge on my credit report that is not mine please remove it i have never had an XXXX account in cali \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX -- XXXX XXXX XXXX BANK XXXX {$590.00} i have paid this account off in full please remove this from my credit report as XXXX said it would \n","text":"Company chooses not to provide a public response","context":": XXXX -- XXXX XXXX XXXX BANK XXXX {$590.00} i have paid this account off in full please remove this from my credit report as XXXX said it would \n : Company chooses not to provide a public response"},{"Question":"Creditor XXXX XXXX placed a retail credit card into collections that is not mine. \n","text":"Company chooses not to provide a public response","context":": Creditor XXXX XXXX placed a retail credit card into collections that is not mine. \n : Company chooses not to provide a public response"},{"Question":"I have TWO hard credit inquiries on the SAME DATE from the SAME lender organization XXXX XXXX, 2015 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": I have TWO hard credit inquiries on the SAME DATE from the SAME lender organization XXXX XXXX, 2015 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"best buy paid it off XXXX they was taking it out my check XXXX I have tn care plus i never went to the doctor in XXXX and the online school never receive material so I should n't be obligated to pay my phone XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": best buy paid it off XXXX they was taking it out my check XXXX I have tn care plus i never went to the doctor in XXXX and the online school never receive material so I should n't be obligated to pay my phone XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Nicholes Financial Inc is reporting a Charged off account on my consumer report and is still trying to collect on said account. That will not provided me with the original contract nor statements of accounting.","text":"Company disputes the facts presented in the complaint","context":": Nicholes Financial Inc is reporting a Charged off account on my consumer report and is still trying to collect on said account. That will not provided me with the original contract nor statements of accounting. : Company disputes the facts presented in the complaint"},{"Question":"I wrote and asked for a lower payoff on my account, it was granted, I called and paid the payoff of about {$700.00} and closed the account, so I thought. The bank kept the account open and now has charged me about {$5.00}, which is against ethics and my request \n","text":"Company chooses not to provide a public response","context":": I wrote and asked for a lower payoff on my account, it was granted, I called and paid the payoff of about {$700.00} and closed the account, so I thought. The bank kept the account open and now has charged me about {$5.00}, which is against ethics and my request \n : Company chooses not to provide a public response"},{"Question":"Lender charged my debit card without my authorization. My bank is XXXX XXXX XXXX in KY. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Lender charged my debit card without my authorization. My bank is XXXX XXXX XXXX in KY. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I pay that account on time and on my credit report show the account stay open \n","text":"Company chooses not to provide a public response","context":": I pay that account on time and on my credit report show the account stay open \n : Company chooses not to provide a public response"},{"Question":"Been receiving late fees from CITI due to no fault of my own. \nCITI has refused to settle this issue and\/or repair their web page, never replied to the online messages i sent and\/or responded to me from their service reps submitting trouble tickets for me. \n","text":"Company chooses not to provide a public response","context":": Been receiving late fees from CITI due to no fault of my own. \nCITI has refused to settle this issue and\/or repair their web page, never replied to the online messages i sent and\/or responded to me from their service reps submitting trouble tickets for me. \n : Company chooses not to provide a public response"},{"Question":"Was pre approved for a loan. 2 weeks later loan was not funded, however they re ran my credit and caused my score to drop XXXX points. then they declined the loan for the score drop even though no information had changed in my consumer credit report \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Was pre approved for a loan. 2 weeks later loan was not funded, however they re ran my credit and caused my score to drop XXXX points. then they declined the loan for the score drop even though no information had changed in my consumer credit report \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Today I pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contract with this company and they have never provided me a service. \n","text":"Company chooses not to provide a public response","context":": Today I pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contract with this company and they have never provided me a service. \n : Company chooses not to provide a public response"},{"Question":"I paid this debt to the creditor who purchased it in XXXX XXXX the judgment is marked satisfied. when I called to tell them they acted like they did n't know what I was talking about. I mailed them the paperwork stating the account has been paid \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I paid this debt to the creditor who purchased it in XXXX XXXX the judgment is marked satisfied. when I called to tell them they acted like they did n't know what I was talking about. I mailed them the paperwork stating the account has been paid \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is a credit card listed on my report that I never opened. \n","text":"Company chooses not to provide a public response","context":": There is a credit card listed on my report that I never opened. \n : Company chooses not to provide a public response"},{"Question":"Someone used my identity for medical services. I filed the proper police report and the debt collection company still refuses to remove the debt from my credit report. I also requested a copy of the bill with signature but the debt company refused. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Someone used my identity for medical services. I filed the proper police report and the debt collection company still refuses to remove the debt from my credit report. I also requested a copy of the bill with signature but the debt company refused. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Received a generic letter from Transunion dated XXXX XXXX 2015 which did not address my primary concerns about different credit scores reported to different companies credit inquiries basically within 2 days. \n","text":"Company chooses not to provide a public response","context":": Received a generic letter from Transunion dated XXXX XXXX 2015 which did not address my primary concerns about different credit scores reported to different companies credit inquiries basically within 2 days. \n : Company chooses not to provide a public response"},{"Question":"Recording says that they are seeking information concerning a debt and to please call XXXX. The recording then stops. They call daily. \n","text":"Company chooses not to provide a public response","context":": Recording says that they are seeking information concerning a debt and to please call XXXX. The recording then stops. They call daily. \n : Company chooses not to provide a public response"},{"Question":"Us bank is reporting XXXX separate automatic teller machine abuse on XXXX and they are all incorrect. I would like to know what must be done to get these removed so I can open an checking and savings account \n","text":"Company chooses not to provide a public response","context":": Us bank is reporting XXXX separate automatic teller machine abuse on XXXX and they are all incorrect. I would like to know what must be done to get these removed so I can open an checking and savings account \n : Company chooses not to provide a public response"},{"Question":"Bank of America sends me checks in the mail each month as part of a promotional effort to reduce credit card rates. I have told them that I do not want these checks sent to me, and they continue to send them. How can I get them to stop? \n","text":"Company chooses not to provide a public response","context":": Bank of America sends me checks in the mail each month as part of a promotional effort to reduce credit card rates. I have told them that I do not want these checks sent to me, and they continue to send them. How can I get them to stop? \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX, XXXX has constituted sending me an invoice for payment on an account from Wachovia Bank. It appears that several of these debt collections agencies are attempting to collect on this invoice. This is n't the first time I 've seen this bank just different collector. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX, XXXX has constituted sending me an invoice for payment on an account from Wachovia Bank. It appears that several of these debt collections agencies are attempting to collect on this invoice. This is n't the first time I 've seen this bank just different collector. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX as Assignee Gamache and Meyers have garnished bank accounts after the statute of limitations has expired in Missouri. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX XXXX XXXX XXXX as Assignee Gamache and Meyers have garnished bank accounts after the statute of limitations has expired in Missouri. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I never lived atAddress : XXXX XXXX XXXX XXXX, WI XXXXAddress identification number : XXXXType of Residence : Single familyGeographical Code : XXXX \n","text":"Company chooses not to provide a public response","context":": I never lived atAddress : XXXX XXXX XXXX XXXX, WI XXXXAddress identification number : XXXXType of Residence : Single familyGeographical Code : XXXX \n : Company chooses not to provide a public response"},{"Question":"I had my ID stolen in 2012. I had reported this to CMRE Finance and all the credit bureaus, they still have not taken this off my credit yet. What do I do? \n","text":"Company chooses not to provide a public response","context":": I had my ID stolen in 2012. I had reported this to CMRE Finance and all the credit bureaus, they still have not taken this off my credit yet. What do I do? \n : Company chooses not to provide a public response"},{"Question":"my credit report shows someone else 's name under my social security number. \n","text":"Company chooses not to provide a public response","context":": my credit report shows someone else 's name under my social security number. \n : Company chooses not to provide a public response"},{"Question":"Debt validation was requested but collection agency never responded to request. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt validation was requested but collection agency never responded to request. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"owed XXXX to B O A, house was sold thru short sale, this was paid and for gave as of XX\/XX\/2015 in full. \n","text":"Company chooses not to provide a public response","context":": owed XXXX to B O A, house was sold thru short sale, this was paid and for gave as of XX\/XX\/2015 in full. \n : Company chooses not to provide a public response"},{"Question":"do not have a record that matches the information I entered. MY personal information ( name, SSN, address ). \n","text":"Company chooses not to provide a public response","context":": do not have a record that matches the information I entered. MY personal information ( name, SSN, address ). \n : Company chooses not to provide a public response"},{"Question":"TRANSUNION HARD REMOVED XXXX ACCOUNT FROM MY CREDIT REPORT WHEN I DISPUTE THEM AND WHEN AND TURNED BACK AROUND AND PUT THEM BACK ON \n","text":"Company chooses not to provide a public response","context":": TRANSUNION HARD REMOVED XXXX ACCOUNT FROM MY CREDIT REPORT WHEN I DISPUTE THEM AND WHEN AND TURNED BACK AROUND AND PUT THEM BACK ON \n : Company chooses not to provide a public response"},{"Question":"my credit report shows the wrong name under my social security number \n","text":"Company chooses not to provide a public response","context":": my credit report shows the wrong name under my social security number \n : Company chooses not to provide a public response"},{"Question":"recently my bank XXXX XXXX XXXX request my credit report in order to give me a loan for a house and appear in the report a bankruptcy.I have never declared a Bankrupcty \n","text":"Company chooses not to provide a public response","context":": recently my bank XXXX XXXX XXXX request my credit report in order to give me a loan for a house and appear in the report a bankruptcy.I have never declared a Bankrupcty \n : Company chooses not to provide a public response"},{"Question":"I have a judgement that has been paid and satisfied since XXXX, 2014 and is still showing as unsatisfied. I have tried to contact the company and left a XXXX messages with no response. \n","text":"Company chooses not to provide a public response","context":": I have a judgement that has been paid and satisfied since XXXX, 2014 and is still showing as unsatisfied. I have tried to contact the company and left a XXXX messages with no response. \n : Company chooses not to provide a public response"},{"Question":"Report No. XXXXREPORT DATEXX\/XX\/2015DISPUTE OPEN DATEXX\/XX\/2015COMPLETION DATEXX\/XX\/XXXX1. The above mentioned report does not mention the results\/corrections performed to the report as a result of the inquiry. \n2. It does not mention the steps taken to do so either. \n","text":"Company chooses not to provide a public response","context":": Report No. XXXXREPORT DATEXX\/XX\/2015DISPUTE OPEN DATEXX\/XX\/2015COMPLETION DATEXX\/XX\/XXXX1. The above mentioned report does not mention the results\/corrections performed to the report as a result of the inquiry. \n2. It does not mention the steps taken to do so either. \n : Company chooses not to provide a public response"},{"Question":"It has been more than 60 days since I wrote to experian and I have not received any status of my request. \n","text":"Company chooses not to provide a public response","context":": It has been more than 60 days since I wrote to experian and I have not received any status of my request. \n : Company chooses not to provide a public response"},{"Question":"transunion has reinserted wrong unverifiable information to my report. \n","text":"Company chooses not to provide a public response","context":": transunion has reinserted wrong unverifiable information to my report. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION \n","text":"Company believes the complaint is the result of a misunderstanding","context":": XXXX XXXX BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"WELLS FARGO BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION \n","text":"Company chooses not to provide a public response","context":": WELLS FARGO BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION \n : Company chooses not to provide a public response"},{"Question":"My credit report states that I have an outstanding balance with XXXX. That balance has been paid in full and I have the documentation to support that. \n","text":"Company chooses not to provide a public response","context":": My credit report states that I have an outstanding balance with XXXX. That balance has been paid in full and I have the documentation to support that. \n : Company chooses not to provide a public response"},{"Question":"Account is very old XXXX is past the statute of limitations please remove. I have an open active account that is in good standings with this same company. \n\nRemove this outdated item XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": Account is very old XXXX is past the statute of limitations please remove. I have an open active account that is in good standings with this same company. \n\nRemove this outdated item XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"This account is past the statute of limitations and I have an open and active account with them. Please remove this item from my credit file XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": This account is past the statute of limitations and I have an open and active account with them. Please remove this item from my credit file XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Someone keep came and saying I am been sue for what they will not say. I need to know who is using my name to get payday loans they will not let me have one. PLEASE HELP ME. I NEED MY CREDIT BACK. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Someone keep came and saying I am been sue for what they will not say. I need to know who is using my name to get payday loans they will not let me have one. PLEASE HELP ME. I NEED MY CREDIT BACK. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Wells Fargo Dealer Services keeps placing insurance on my vehicle after I have provided proof of insurance. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo Dealer Services keeps placing insurance on my vehicle after I have provided proof of insurance. \n : Company chooses not to provide a public response"},{"Question":"i keep getting a letter stating i owe over XXXX.XXXX to XXXX..I called US XXXX and they sent me a verified email stating i do not owe any loans ... But i keep getting letters in the mail ... The US XXXX ppl told me it sounds like phising \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i keep getting a letter stating i owe over XXXX.XXXX to XXXX..I called US XXXX and they sent me a verified email stating i do not owe any loans ... But i keep getting letters in the mail ... The US XXXX ppl told me it sounds like phising \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Problem with bank producing evidence of a contractor filed a certificate of completion to have the funds released who has claimed he has finished his job and collected from a credit account # XXXX -- XXXX. \n","text":"Company chooses not to provide a public response","context":": Problem with bank producing evidence of a contractor filed a certificate of completion to have the funds released who has claimed he has finished his job and collected from a credit account # XXXX -- XXXX. \n : Company chooses not to provide a public response"},{"Question":"I always paid XXXX No idea where this bill is from. Please remove from my credit report is damaging my rating incorrect report. THANK YOU \n","text":"Company chooses not to provide a public response","context":": I always paid XXXX No idea where this bill is from. Please remove from my credit report is damaging my rating incorrect report. THANK YOU \n : Company chooses not to provide a public response"},{"Question":"I have never lived at the XXXX XXXX XXXX XXXX address listed on my report. I was a victim of attempted fraud by a person using my name and SS number there. Luckily I was contacted by the merchant. \n","text":"Company chooses not to provide a public response","context":": I have never lived at the XXXX XXXX XXXX XXXX address listed on my report. I was a victim of attempted fraud by a person using my name and SS number there. Luckily I was contacted by the merchant. \n : Company chooses not to provide a public response"},{"Question":"I moved to XXXX from XXXX. Someone was using my credit here in XXXX. My sister has the same name but I do n't know her social. I have so many outstanding loans but I have n't had a bank account since 2000 \n","text":"Company can't verify or dispute the facts in the complaint","context":": I moved to XXXX from XXXX. Someone was using my credit here in XXXX. My sister has the same name but I do n't know her social. I have so many outstanding loans but I have n't had a bank account since 2000 \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Penn Credit is stating I owe them,XXXX I never had such agreements with this company and its not legal for them to get information about me from another company.They must be confused or just trying to scam me.I want this account removed soon as possible. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Penn Credit is stating I owe them,XXXX I never had such agreements with this company and its not legal for them to get information about me from another company.They must be confused or just trying to scam me.I want this account removed soon as possible. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Ditech is illegally foreclosing on my home. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Ditech is illegally foreclosing on my home. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Property was sold on XXXX XXXX, 2015. Mortgage servicing company ( Roundpoint ) received full payoff amount on XXXX XXXX, 2015. As of XXXX XXXX, 2015 I have not received the {$2700.00} in escrow funds that should have been released immediately when the mortgage was paid in full. \n","text":"Company chooses not to provide a public response","context":": Property was sold on XXXX XXXX, 2015. Mortgage servicing company ( Roundpoint ) received full payoff amount on XXXX XXXX, 2015. As of XXXX XXXX, 2015 I have not received the {$2700.00} in escrow funds that should have been released immediately when the mortgage was paid in full. \n : Company chooses not to provide a public response"},{"Question":"ATG is reporting a debt under my SSN that does n't belong to me, they atempting to collect for XXXX XXXX XXXX XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": ATG is reporting a debt under my SSN that does n't belong to me, they atempting to collect for XXXX XXXX XXXX XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Numerous overdraft and insufficient funds fees per day over the life of my account \n","text":"Company chooses not to provide a public response","context":": Numerous overdraft and insufficient funds fees per day over the life of my account \n : Company chooses not to provide a public response"},{"Question":"Bank of America fails to provide promotional balances in the promotional interest rate section of the billing statement. \n","text":"Company chooses not to provide a public response","context":": Bank of America fails to provide promotional balances in the promotional interest rate section of the billing statement. \n : Company chooses not to provide a public response"},{"Question":"got response from experian that they are unable to honor my request based on the limited amount of information I have provided when I only ask you deleted outdated information from my report. \n","text":"Company chooses not to provide a public response","context":": got response from experian that they are unable to honor my request based on the limited amount of information I have provided when I only ask you deleted outdated information from my report. \n : Company chooses not to provide a public response"},{"Question":"I was denied credit to purchase a car. I called XXXX, they apologized they were wrong, they should never have sent this. This caused us financial harm. \n","text":"Company chooses not to provide a public response","context":": I was denied credit to purchase a car. I called XXXX, they apologized they were wrong, they should never have sent this. This caused us financial harm. \n : Company chooses not to provide a public response"},{"Question":"kent hollins XXXX is threatening my wages and my employeer for something that i have no idea what it is a gas station back in 2002 they are trying to get XXXX from me they are well beyond the statute of limitations XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": kent hollins XXXX is threatening my wages and my employeer for something that i have no idea what it is a gas station back in 2002 they are trying to get XXXX from me they are well beyond the statute of limitations XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Focus Receivables keeps calling me and my wife. We owe nobody and I will not give Focus Receivable one dime, even if I did. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Focus Receivables keeps calling me and my wife. We owe nobody and I will not give Focus Receivable one dime, even if I did. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I am facing foreclosure and I would like to have a principal reduction. I requested a modification packet and still has not submitted it to me. This is a FHA Loan and was bought out by the Federal Government. \n","text":"Company chooses not to provide a public response","context":": I am facing foreclosure and I would like to have a principal reduction. I requested a modification packet and still has not submitted it to me. This is a FHA Loan and was bought out by the Federal Government. \n : Company chooses not to provide a public response"},{"Question":"Had no idea that that the annual interest rate was over 580 % of the loan. Will never use or recommend this form of loan to any military or civilian individual. \n","text":"Company chooses not to provide a public response","context":": Had no idea that that the annual interest rate was over 580 % of the loan. Will never use or recommend this form of loan to any military or civilian individual. \n : Company chooses not to provide a public response"},{"Question":"I keep receives a letter from First National Collection Bureau , Inc. for debt collect. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I keep receives a letter from First National Collection Bureau , Inc. for debt collect. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Took advantage of an interest free offer and the bank charged interest even though I paid off the monthly charges on time. \n","text":"Company chooses not to provide a public response","context":": Took advantage of an interest free offer and the bank charged interest even though I paid off the monthly charges on time. \n : Company chooses not to provide a public response"},{"Question":"Car was repossession was sold by XXXX XXXX.But they are trying to collect the total amount we owned before they got it.Also we file bankruptcy which has this amount they are still trying to collect by putting a lean on our property. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Car was repossession was sold by XXXX XXXX.But they are trying to collect the total amount we owned before they got it.Also we file bankruptcy which has this amount they are still trying to collect by putting a lean on our property. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A late payment that 's more than seven years old \n","text":"Company chooses not to provide a public response","context":": A late payment that 's more than seven years old \n : Company chooses not to provide a public response"},{"Question":"have been denied all avenues with BOA, so the terms of my HELCO converting to 180 month payment, 3.5 %, {$84000.00} monthly payment of {$710.00}. It appears that the monthly payment should be {$600.00}. I was told this is what in on the system so it must be correct. \n","text":"Company chooses not to provide a public response","context":": have been denied all avenues with BOA, so the terms of my HELCO converting to 180 month payment, 3.5 %, {$84000.00} monthly payment of {$710.00}. It appears that the monthly payment should be {$600.00}. I was told this is what in on the system so it must be correct. \n : Company chooses not to provide a public response"},{"Question":"When running my credit report to refinance our home it showed I had a bill to XXXX I owed in 2010 that was never paid. I never signed up for service or gave them consent for service and now this is affecting my credit. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": When running my credit report to refinance our home it showed I had a bill to XXXX I owed in 2010 that was never paid. I never signed up for service or gave them consent for service and now this is affecting my credit. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I 'm being called every 3days by this company\/number never a voicemail describing who it is or why the call. Its harassing .... \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I 'm being called every 3days by this company\/number never a voicemail describing who it is or why the call. Its harassing .... \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have been making payments on my mortgage loan but I was told that those payments were not going towards the balance. I have attempted to get answers but to no avail and now they are trying to foreclose on my home. \n","text":"Company chooses not to provide a public response","context":": I have been making payments on my mortgage loan but I was told that those payments were not going towards the balance. I have attempted to get answers but to no avail and now they are trying to foreclose on my home. \n : Company chooses not to provide a public response"},{"Question":"Used automated text messages to spam my phone. I did not opt-in or agree to collection text messages. \n","text":"Company chooses not to provide a public response","context":": Used automated text messages to spam my phone. I did not opt-in or agree to collection text messages. \n : Company chooses not to provide a public response"},{"Question":"I settled this debt directly with XXXX XXXX. I disputed the collection with Monroe and Main explaining that I had previously settled the debt. They continue to report a balance on my credit files in violation of the Fair Credit Reporting Act. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I settled this debt directly with XXXX XXXX. I disputed the collection with Monroe and Main explaining that I had previously settled the debt. They continue to report a balance on my credit files in violation of the Fair Credit Reporting Act. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Received letter from rental property manager showing rental account paid in full \n","text":"Company chooses not to provide a public response","context":": Received letter from rental property manager showing rental account paid in full \n : Company chooses not to provide a public response"},{"Question":"XXXX, which i am a curent customer in good standing had a billinng glitch when we moved to our new house 4 years ago. \n\nwe eventually paid it but ever so often it pops up that we are delinquent. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX, which i am a curent customer in good standing had a billinng glitch when we moved to our new house 4 years ago. \n\nwe eventually paid it but ever so often it pops up that we are delinquent. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was trying to print my credit report and the link to print did n't work. Could you reset the link or mail me my credit report, so I can print my credit report. \n","text":"Company chooses not to provide a public response","context":": I was trying to print my credit report and the link to print did n't work. Could you reset the link or mail me my credit report, so I can print my credit report. \n : Company chooses not to provide a public response"},{"Question":"I am having trouble with bank of America about a house I bought in texas. They continue to stall or not communicate with me or my realtor. This has been the problem for 18 months. I have filed a complaint ... # XXXX \n","text":"Company chooses not to provide a public response","context":": I am having trouble with bank of America about a house I bought in texas. They continue to stall or not communicate with me or my realtor. This has been the problem for 18 months. I have filed a complaint ... # XXXX \n : Company chooses not to provide a public response"},{"Question":"I requested my bank close my IRA account and refund the money to me. BBT agrees that they owe the money. That was 6 weeks ago, XXXX emails and XXXX phone calls ago and I still have not received my money. \n","text":"Company chooses not to provide a public response","context":": I requested my bank close my IRA account and refund the money to me. BBT agrees that they owe the money. That was 6 weeks ago, XXXX emails and XXXX phone calls ago and I still have not received my money. \n : Company chooses not to provide a public response"},{"Question":"I have previously disputed Bankruptcy and XXXX other judgement on credit report and it has always come back frivolous I am now filing an official complaint through FCRA act XXXX to have them permanently deleted! \n","text":"Company chooses not to provide a public response","context":": I have previously disputed Bankruptcy and XXXX other judgement on credit report and it has always come back frivolous I am now filing an official complaint through FCRA act XXXX to have them permanently deleted! \n : Company chooses not to provide a public response"},{"Question":"My account was closed at MY request. This should not be on my credit reports. I want them removed from ALL three credit bureaus ASAP. \n","text":"Company chooses not to provide a public response","context":": My account was closed at MY request. This should not be on my credit reports. I want them removed from ALL three credit bureaus ASAP. \n : Company chooses not to provide a public response"},{"Question":"I applied and received a modification with Greentree with an interest rate of 2 %. My loan was sold (? ) to Diitech who is NOT honoring Greentree 's modification, and has offered a modification with 5.75 % rate. \n","text":"Company believes complaint is the result of an isolated error","context":": I applied and received a modification with Greentree with an interest rate of 2 %. My loan was sold (? ) to Diitech who is NOT honoring Greentree 's modification, and has offered a modification with 5.75 % rate. \n : Company believes complaint is the result of an isolated error"},{"Question":"I had an auto loan with XXXX that has been paid in full per a letter I received from them ( the car was traded in ) however they are reporting my account as delinquent to the credit bureaus with a balance of {$0.00} \n","text":"Company chooses not to provide a public response","context":": I had an auto loan with XXXX that has been paid in full per a letter I received from them ( the car was traded in ) however they are reporting my account as delinquent to the credit bureaus with a balance of {$0.00} \n : Company chooses not to provide a public response"},{"Question":"This loan has been closed for several years yet it is still showing up on my credit report as a liability. I 've called the bank and even stopped into a local branch and they have no record of this loan. \n","text":"Company chooses not to provide a public response","context":": This loan has been closed for several years yet it is still showing up on my credit report as a liability. I 've called the bank and even stopped into a local branch and they have no record of this loan. \n : Company chooses not to provide a public response"},{"Question":"On XXXX XXXX, 2015 I requested debt validation from Business Professional. They responded with a letter refusing to provide validation. Please see attached letter received. \n","text":"Company chooses not to provide a public response","context":": On XXXX XXXX, 2015 I requested debt validation from Business Professional. They responded with a letter refusing to provide validation. Please see attached letter received. \n : Company chooses not to provide a public response"},{"Question":"XXXX, WRITTEN LETTER STATING THEY WILL REMOVE THE INQUIRY WHEN EXPERIAN IS DISPUTED. I HAVE DISPUTED ALREADY, EXPERIAN REFUSES!!! ( SEE ATTACHED LETTER ) \n","text":"Company chooses not to provide a public response","context":": XXXX, WRITTEN LETTER STATING THEY WILL REMOVE THE INQUIRY WHEN EXPERIAN IS DISPUTED. I HAVE DISPUTED ALREADY, EXPERIAN REFUSES!!! ( SEE ATTACHED LETTER ) \n : Company chooses not to provide a public response"},{"Question":"The following closed accounts are negatively effecting my credi score. I am requesting to have the following removed from my credit report : XXXX, XXXX XXXX XXXX -- XXXX, XXXX -- XXXX, XXXX -- XXXX \n","text":"Company chooses not to provide a public response","context":": The following closed accounts are negatively effecting my credi score. I am requesting to have the following removed from my credit report : XXXX, XXXX XXXX XXXX -- XXXX, XXXX -- XXXX, XXXX -- XXXX \n : Company chooses not to provide a public response"},{"Question":"I contacted the debt collector to find out who I originally owed the money to. I spoke with a representative and a manager. Neither would provide me with contact information for original doctor 's office. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I contacted the debt collector to find out who I originally owed the money to. I spoke with a representative and a manager. Neither would provide me with contact information for original doctor 's office. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I never Received any Bill 's in the mail. And Medicaid should cover this. \n","text":"Company chooses not to provide a public response","context":": I never Received any Bill 's in the mail. And Medicaid should cover this. \n : Company chooses not to provide a public response"},{"Question":"I am in foreclosurei was giving a home loan at 100 % financingPLEASE HELP ME AND MY FAMILY SAVE OUR HOME .... \n","text":"Company chooses not to provide a public response","context":": I am in foreclosurei was giving a home loan at 100 % financingPLEASE HELP ME AND MY FAMILY SAVE OUR HOME .... \n : Company chooses not to provide a public response"},{"Question":"I was at a casino, I left my bag behind and went back to get it and it was there, but my wallet was gone. Please investigate this right away. I am a victim of Identity Theft \n","text":"Company chooses not to provide a public response","context":": I was at a casino, I left my bag behind and went back to get it and it was there, but my wallet was gone. Please investigate this right away. I am a victim of Identity Theft \n : Company chooses not to provide a public response"},{"Question":"XXXX financial checked my credit without my permission on several occasions. \n","text":"Company chooses not to provide a public response","context":": XXXX financial checked my credit without my permission on several occasions. \n : Company chooses not to provide a public response"},{"Question":"I do not owe any GA state tax liens, this is inaccurate information listed please help \n","text":"Company chooses not to provide a public response","context":": I do not owe any GA state tax liens, this is inaccurate information listed please help \n : Company chooses not to provide a public response"},{"Question":"We have been requesting a loan modification from Wells Fargo in reference to our consumer. He is XXXX year old man working as an attorney and need to find a solution for him to stay in there home. We have submitted all require documents to Wells Fargo. \n","text":"Company chooses not to provide a public response","context":": We have been requesting a loan modification from Wells Fargo in reference to our consumer. He is XXXX year old man working as an attorney and need to find a solution for him to stay in there home. We have submitted all require documents to Wells Fargo. \n : Company chooses not to provide a public response"},{"Question":"I have XXXX account on my credit report with XXXX that is not mine I 'm not an authorized person and nothing like that but it is appearing on my credit like they are mine so please take them off. \n","text":"Company chooses not to provide a public response","context":": I have XXXX account on my credit report with XXXX that is not mine I 'm not an authorized person and nothing like that but it is appearing on my credit like they are mine so please take them off. \n : Company chooses not to provide a public response"},{"Question":"I am a victim of identity theft. I have disputed this account multiple times and requested verification of debt but this company refuses to respond with any information regarding this account. This account does not belong to me and I want it deleted immediately. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am a victim of identity theft. I have disputed this account multiple times and requested verification of debt but this company refuses to respond with any information regarding this account. This account does not belong to me and I want it deleted immediately. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"BB & T was involved in A federal investigation. The other banks settled. Where BB & T would n't. XXXX XXXX was convicted of the crime. Now there 's a lien against my dead father. \n","text":"Company chooses not to provide a public response","context":": BB & T was involved in A federal investigation. The other banks settled. Where BB & T would n't. XXXX XXXX was convicted of the crime. Now there 's a lien against my dead father. \n : Company chooses not to provide a public response"},{"Question":"I just recently got a new job and the loan company is calling me at work. I ca n't have personal calls on my work phone, and all calls are recorded due to the nature of my job. The company is jeopardizing my employment. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I just recently got a new job and the loan company is calling me at work. I ca n't have personal calls on my work phone, and all calls are recorded due to the nature of my job. The company is jeopardizing my employment. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have a XXXX old baby and are calling at outside hours after XXXX and contacting family members at XXXX. bill was paid!! This is inexcusable!! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have a XXXX old baby and are calling at outside hours after XXXX and contacting family members at XXXX. bill was paid!! This is inexcusable!! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am disputing the charge from, XXXX Business, my credit report, shows i owe, {$1000.00}. i have never received a bill from them and and I was and i am om XXXX and medic care, I have never had any bills. to pay for any services from XXXX \n","text":"Company chooses not to provide a public response","context":": I am disputing the charge from, XXXX Business, my credit report, shows i owe, {$1000.00}. i have never received a bill from them and and I was and i am om XXXX and medic care, I have never had any bills. to pay for any services from XXXX \n : Company chooses not to provide a public response"},{"Question":"I had a foreclosure in 2011 and this loan was a second on the the original mortgage that is still reporting as if it has a balance of XXXX and should have been part of the foreclosure or at least show a XXXX balance. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I had a foreclosure in 2011 and this loan was a second on the the original mortgage that is still reporting as if it has a balance of XXXX and should have been part of the foreclosure or at least show a XXXX balance. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"after being denied a home loan i pulled a credit report, and found this collection. I was not informed of my right to dispute allowed to set up payments or informed before added to credit report. \n","text":"Company can't verify or dispute the facts in the complaint","context":": after being denied a home loan i pulled a credit report, and found this collection. I was not informed of my right to dispute allowed to set up payments or informed before added to credit report. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I am getting constantly harassed by a collection agency from the number XXXX, they have even contacted my ex wife who I have been divorced from 20 years ago. This has to stop! \n\nXXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I am getting constantly harassed by a collection agency from the number XXXX, they have even contacted my ex wife who I have been divorced from 20 years ago. This has to stop! \n\nXXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I changed Auto Insurance Companies and for some reason XXXX XXXX thinks I owe them {$190.00}. I have requested written verification of this debt and unfortunately every time I do the debt is sold off to a different collection agencies. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I changed Auto Insurance Companies and for some reason XXXX XXXX thinks I owe them {$190.00}. I have requested written verification of this debt and unfortunately every time I do the debt is sold off to a different collection agencies. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I mailed a dispute request to Experian Credit Bureau with last XXXX of my social security number typed with state issued picture id and check stub and was told that my social security number was illegible and to resend all the info that I had already provided. \n","text":"Company chooses not to provide a public response","context":": I mailed a dispute request to Experian Credit Bureau with last XXXX of my social security number typed with state issued picture id and check stub and was told that my social security number was illegible and to resend all the info that I had already provided. \n : Company chooses not to provide a public response"},{"Question":"they closed my account because im XXXX which a federal lawsuit is being prepared and about to be filed against them but they have no sent me my money there holding my money and wont tell me when there sending my money \n","text":"Company chooses not to provide a public response","context":": they closed my account because im XXXX which a federal lawsuit is being prepared and about to be filed against them but they have no sent me my money there holding my money and wont tell me when there sending my money \n : Company chooses not to provide a public response"},{"Question":"I have been getting 10-15 harassing calls a day from a collection company called Progressive Finance on my cell and house phone. \n","text":"Company chooses not to provide a public response","context":": I have been getting 10-15 harassing calls a day from a collection company called Progressive Finance on my cell and house phone. \n : Company chooses not to provide a public response"},{"Question":"My Bank of America credit card is paid in full but they are still showing a blance. \n","text":"Company chooses not to provide a public response","context":": My Bank of America credit card is paid in full but they are still showing a blance. \n : Company chooses not to provide a public response"},{"Question":"Victim of Identity Theft \n","text":"Company chooses not to provide a public response","context":": Victim of Identity Theft \n : Company chooses not to provide a public response"},{"Question":"Reporting adverse accounts with XXXX, which has completely failed to provide any transparency as to what these charges are for ( see attached ) \n","text":"Company chooses not to provide a public response","context":": Reporting adverse accounts with XXXX, which has completely failed to provide any transparency as to what these charges are for ( see attached ) \n : Company chooses not to provide a public response"},{"Question":"ProCollect keeps calling me and has reported me to credit reporting agency for a debt I do not owe. They can not produce an original bill and the company they say I owe does not exist. \n","text":"Company chooses not to provide a public response","context":": ProCollect keeps calling me and has reported me to credit reporting agency for a debt I do not owe. They can not produce an original bill and the company they say I owe does not exist. \n : Company chooses not to provide a public response"},{"Question":"bank of america continues request i pay my debt of my credit card i have been scammed and lost tremendous amount of money while having acount at bank of america unable to pay my debt due to the scam i was involved in need help assistance resolving issue matter of debt and scam. \n","text":"Company chooses not to provide a public response","context":": bank of america continues request i pay my debt of my credit card i have been scammed and lost tremendous amount of money while having acount at bank of america unable to pay my debt due to the scam i was involved in need help assistance resolving issue matter of debt and scam. \n : Company chooses not to provide a public response"},{"Question":"We were told by XXXX XXXX XXXX that our service would be credited for the month prior to our move and cancellation, But instead I did n't owe a dime and now I was sent to a collection company for a service not recvd. \n","text":"Company disputes the facts presented in the complaint","context":": We were told by XXXX XXXX XXXX that our service would be credited for the month prior to our move and cancellation, But instead I did n't owe a dime and now I was sent to a collection company for a service not recvd. \n : Company disputes the facts presented in the complaint"},{"Question":"Constantly receiving \" robo calls '' from Penn Credit Corp. I do not know what call is about. there phone number is XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Constantly receiving \" robo calls '' from Penn Credit Corp. I do not know what call is about. there phone number is XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX is showing I have a late payment on my reports but I was n't late and I have a letter in hand showing that. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX is showing I have a late payment on my reports but I was n't late and I have a letter in hand showing that. \n : Company chooses not to provide a public response"},{"Question":"This date was liquidated in 2010 by XXXX, but is being reported by Ditech\/Greentree on my XXXX report. They were reporting on XXXX until I complained to the FTC. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This date was liquidated in 2010 by XXXX, but is being reported by Ditech\/Greentree on my XXXX report. They were reporting on XXXX until I complained to the FTC. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This debt is not mine.. I do not have any recollection of this debt nor have I ordered from these people this needs to be deleted immediately. \n","text":"Company chooses not to provide a public response","context":": This debt is not mine.. I do not have any recollection of this debt nor have I ordered from these people this needs to be deleted immediately. \n : Company chooses not to provide a public response"},{"Question":"Has not reported payments to the Credit bureau. Refuses XXXX recognize that I was discharged from a chapter XXXX therefore not allowing my account to be eligible for services that could benefit my account \n","text":"Company believes complaint is the result of an isolated error","context":": Has not reported payments to the Credit bureau. Refuses XXXX recognize that I was discharged from a chapter XXXX therefore not allowing my account to be eligible for services that could benefit my account \n : Company believes complaint is the result of an isolated error"},{"Question":"Sent a letter to collect {$1300.00} for magazine subscriptions that I did not agree to buy. \n\nthis is a fraudulent company collecting a debt from another fraudulent company XXXX XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Sent a letter to collect {$1300.00} for magazine subscriptions that I did not agree to buy. \n\nthis is a fraudulent company collecting a debt from another fraudulent company XXXX XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I 've never received any bill from the creditor or written documentation from the collection agency. They call asking for personally identifying information. Have failed to provide this on request. \n","text":"Company chooses not to provide a public response","context":": I 've never received any bill from the creditor or written documentation from the collection agency. They call asking for personally identifying information. Have failed to provide this on request. \n : Company chooses not to provide a public response"},{"Question":"This little {$36.00} bill was paid in full to XXXX They made me pay it before I could get new service and that was years ago. I dont know why this is still on my credit report \n","text":"Company can't verify or dispute the facts in the complaint","context":": This little {$36.00} bill was paid in full to XXXX They made me pay it before I could get new service and that was years ago. I dont know why this is still on my credit report \n : Company can't verify or dispute the facts in the complaint"},{"Question":"They call several times back to back. When I answer they do not talk they hang up and call back. Have called family saying my family member is involved in a credit issue with me and called employer looking for me but they will not talk to me \n","text":"Company believes complaint is the result of an isolated error","context":": They call several times back to back. When I answer they do not talk they hang up and call back. Have called family saying my family member is involved in a credit issue with me and called employer looking for me but they will not talk to me \n : Company believes complaint is the result of an isolated error"},{"Question":"I received exceptional service from my lender and it angers me that I can not comlain about it \n","text":"Company chooses not to provide a public response","context":": I received exceptional service from my lender and it angers me that I can not comlain about it \n : Company chooses not to provide a public response"},{"Question":": THE INVESTIGATION HAS BEEN OVER 30DAYS. NO REPLY THEY MUS BE DELTED. \n. \n. XXXX XXXX and all accounts in bankruptcyMus be deleted no validation from the companies or from the Credit union \n","text":"Company chooses not to provide a public response","context":": : THE INVESTIGATION HAS BEEN OVER 30DAYS. NO REPLY THEY MUS BE DELTED. \n. \n. XXXX XXXX and all accounts in bankruptcyMus be deleted no validation from the companies or from the Credit union \n : Company chooses not to provide a public response"},{"Question":"Transition did not provided it adequate resolution of despite accounts. \n","text":"Company chooses not to provide a public response","context":": Transition did not provided it adequate resolution of despite accounts. \n : Company chooses not to provide a public response"},{"Question":"I am getting repeated calls ( XXXX a day ) from Citi Bank over a credit card debt I owe that I am unable to pay at the moment. I have told them to take me off of the calling list and do not call anymore, but they continue to do so. \n","text":"Company chooses not to provide a public response","context":": I am getting repeated calls ( XXXX a day ) from Citi Bank over a credit card debt I owe that I am unable to pay at the moment. I have told them to take me off of the calling list and do not call anymore, but they continue to do so. \n : Company chooses not to provide a public response"},{"Question":": THE INVESTIGATION HAS BEEN OVER 30DAYS. NO REPLY THEY MUS BE DELTED. \n. \n. inquiries unauthorized XXXX, XXXX XXXX AND XXXX XXXXMus be deleted no validation from the companies or from the Credit union. \n","text":"Company chooses not to provide a public response","context":": : THE INVESTIGATION HAS BEEN OVER 30DAYS. NO REPLY THEY MUS BE DELTED. \n. \n. inquiries unauthorized XXXX, XXXX XXXX AND XXXX XXXXMus be deleted no validation from the companies or from the Credit union. \n : Company chooses not to provide a public response"},{"Question":"Have been trying to close a credit card account with Citi ... they said the account was closed but refused to provide confirmation that the account has been closed. I am still receiving e-mail and postal mail correspondences on the closed account. \n","text":"Company chooses not to provide a public response","context":": Have been trying to close a credit card account with Citi ... they said the account was closed but refused to provide confirmation that the account has been closed. I am still receiving e-mail and postal mail correspondences on the closed account. \n : Company chooses not to provide a public response"},{"Question":"CMRE IS IN VIOLATION OF SOL, FCRA, FDCPA AND TCPA. \n","text":"Company chooses not to provide a public response","context":": CMRE IS IN VIOLATION OF SOL, FCRA, FDCPA AND TCPA. \n : Company chooses not to provide a public response"},{"Question":"Not applying whatever payment I send to my account. Holding it so that a full amount is received & then posting it to my account. \n","text":"Company chooses not to provide a public response","context":": Not applying whatever payment I send to my account. Holding it so that a full amount is received & then posting it to my account. \n : Company chooses not to provide a public response"},{"Question":"Cash net USA charged my bank 2 times in a 2 week period. They are giving payday loans illegally in the state of Maryland. \n","text":"Company disputes the facts presented in the complaint","context":": Cash net USA charged my bank 2 times in a 2 week period. They are giving payday loans illegally in the state of Maryland. \n : Company disputes the facts presented in the complaint"},{"Question":"In XXXX, 2010 I purchased a foreclosed home from Bank of America XXXX BofA XXXX. BofA still thinks that it owns the home and is mailing me debt collection notices and sending debt collectors to my house. \n","text":"Company chooses not to provide a public response","context":": In XXXX, 2010 I purchased a foreclosed home from Bank of America XXXX BofA XXXX. BofA still thinks that it owns the home and is mailing me debt collection notices and sending debt collectors to my house. \n : Company chooses not to provide a public response"},{"Question":"Loan payment for XXXX XXXX, 2015 cleared my checking account on XXXX XXXX. To date, the payment has not been applied to my loan. Contacted Loancare numerous times beginning XXXX XXXX with no resolution. \n","text":"Company chooses not to provide a public response","context":": Loan payment for XXXX XXXX, 2015 cleared my checking account on XXXX XXXX. To date, the payment has not been applied to my loan. Contacted Loancare numerous times beginning XXXX XXXX with no resolution. \n : Company chooses not to provide a public response"},{"Question":"I recently pulled my credit report and discovered that this company has reported that I owe them a debt \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I recently pulled my credit report and discovered that this company has reported that I owe them a debt \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"On three occasions, I have requested that my daily ATM withdrawal limit be raised from {$310.00}. The bank has refused to raise the limit, and when cash was needed for an emergency on a Saturday evening, I was unable to access my available funds. \n","text":"Company chooses not to provide a public response","context":": On three occasions, I have requested that my daily ATM withdrawal limit be raised from {$310.00}. The bank has refused to raise the limit, and when cash was needed for an emergency on a Saturday evening, I was unable to access my available funds. \n : Company chooses not to provide a public response"},{"Question":"Experian would not print my credit report \n","text":"Company chooses not to provide a public response","context":": Experian would not print my credit report \n : Company chooses not to provide a public response"},{"Question":"Was denied credit for having no credit file which is false and should not count as a hard inquiry due to creditor 's error. \n","text":"Company chooses not to provide a public response","context":": Was denied credit for having no credit file which is false and should not count as a hard inquiry due to creditor 's error. \n : Company chooses not to provide a public response"},{"Question":"Violating FDCPA by stating removal of license if debt not paid. Multiple harassing calls and emails \n","text":"Company disputes the facts presented in the complaint","context":": Violating FDCPA by stating removal of license if debt not paid. Multiple harassing calls and emails \n : Company disputes the facts presented in the complaint"},{"Question":"experian is reporting XXXX this not my account please have them remove this acct asap \n","text":"Company chooses not to provide a public response","context":": experian is reporting XXXX this not my account please have them remove this acct asap \n : Company chooses not to provide a public response"},{"Question":"I was told if I did n't pay that they would send a sheriff to my job and then garnish my wages. \n","text":"Company disputes the facts presented in the complaint","context":": I was told if I did n't pay that they would send a sheriff to my job and then garnish my wages. \n : Company disputes the facts presented in the complaint"},{"Question":"My account was involved with fraudulent activity.Now I am $ XXXX dollars in debt with Bank Of America XXXX \n","text":"Company chooses not to provide a public response","context":": My account was involved with fraudulent activity.Now I am $ XXXX dollars in debt with Bank Of America XXXX \n : Company chooses not to provide a public response"},{"Question":"Arnold Harris PC has been harassing me for over 10 years for something that never had anything to do with me. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Arnold Harris PC has been harassing me for over 10 years for something that never had anything to do with me. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Placed judgement on my credit report, after I had them remove inaccurate information in collection, so they removed it as a collection and unlawfully placed it as a judgement. I was never notified I was being sued by anyone, requested paper showing court summons never received them. \n","text":"Company chooses not to provide a public response","context":": Placed judgement on my credit report, after I had them remove inaccurate information in collection, so they removed it as a collection and unlawfully placed it as a judgement. I was never notified I was being sued by anyone, requested paper showing court summons never received them. \n : Company chooses not to provide a public response"},{"Question":"I have va and ssa insurance that should have taken care of all my medical blls never was contacted to fix problem \n","text":"Company can't verify or dispute the facts in the complaint","context":": I have va and ssa insurance that should have taken care of all my medical blls never was contacted to fix problem \n : Company can't verify or dispute the facts in the complaint"},{"Question":"If you close a Bank of America checking account, and had paperless statements, you loose access to all your records for that account. \n","text":"Company chooses not to provide a public response","context":": If you close a Bank of America checking account, and had paperless statements, you loose access to all your records for that account. \n : Company chooses not to provide a public response"},{"Question":"I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, XXXX please help me remove these from my report? \n\nXXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, XXXX please help me remove these from my report? \n\nXXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Experian still has showing on my credit report an unauthorized inquiry from XXXX XXXX XXXX dated XX\/XX\/2014 after they stated it was not showing on my report. I need for this unauthorized inquiry be removed once and for all. \n","text":"Company chooses not to provide a public response","context":": Experian still has showing on my credit report an unauthorized inquiry from XXXX XXXX XXXX dated XX\/XX\/2014 after they stated it was not showing on my report. I need for this unauthorized inquiry be removed once and for all. \n : Company chooses not to provide a public response"},{"Question":"Experian send back results as if I was only questioning the dispute process, when in reality I send A dispute letter asking Experian company to verify negative unverifiable information from my report. \n","text":"Company chooses not to provide a public response","context":": Experian send back results as if I was only questioning the dispute process, when in reality I send A dispute letter asking Experian company to verify negative unverifiable information from my report. \n : Company chooses not to provide a public response"},{"Question":"I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$1100.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and are refusing to give me my rewards. \n","text":"Company chooses not to provide a public response","context":": I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$1100.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and are refusing to give me my rewards. \n : Company chooses not to provide a public response"},{"Question":"My name is XXXX XXXX Not XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": My name is XXXX XXXX Not XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"They sent me a letter - we told them many times that this is not mu debt but they will not stop. \n","text":"Company can't verify or dispute the facts in the complaint","context":": They sent me a letter - we told them many times that this is not mu debt but they will not stop. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"BANK OF AMERICA REFUSES TO ANSWER MY QUESTION CAN I GET BOA TO LEND ME {$30000.00}. FOR PRIVATE LAW SCHOOL TUITION? LAW SCHOOL IS {$50000.00} BUT US GOVT ONLY LENDS {$20000.00}. CAN BOA LEND ME {$30000.00} FOR XXXX SCHOOL? \n","text":"Company chooses not to provide a public response","context":": BANK OF AMERICA REFUSES TO ANSWER MY QUESTION CAN I GET BOA TO LEND ME {$30000.00}. FOR PRIVATE LAW SCHOOL TUITION? LAW SCHOOL IS {$50000.00} BUT US GOVT ONLY LENDS {$20000.00}. CAN BOA LEND ME {$30000.00} FOR XXXX SCHOOL? \n : Company chooses not to provide a public response"},{"Question":"TRANS UNION DENIES ME PIN NUMBER OF NYS SECURITY FREEZE. \n","text":"Company chooses not to provide a public response","context":": TRANS UNION DENIES ME PIN NUMBER OF NYS SECURITY FREEZE. \n : Company chooses not to provide a public response"},{"Question":"My interest rate has me paying over a XXXX dollars in interest since XXXX of this year it went from 6 percent APR to over 20 percent. \n","text":"Company chooses not to provide a public response","context":": My interest rate has me paying over a XXXX dollars in interest since XXXX of this year it went from 6 percent APR to over 20 percent. \n : Company chooses not to provide a public response"},{"Question":"This car was a lease returned on time with approx. XXXX miles over the cap. Should have owed $ XXXX {$180.00}. The dealership said not to worry about it. \nNow GMAC is reporting a $ XXXXpast due balance on my credit report \n","text":"Company chooses not to provide a public response","context":": This car was a lease returned on time with approx. XXXX miles over the cap. Should have owed $ XXXX {$180.00}. The dealership said not to worry about it. \nNow GMAC is reporting a $ XXXXpast due balance on my credit report \n : Company chooses not to provide a public response"},{"Question":"Van Ru Credit Corp is continuing drastic collection tactics to collect for a debt I do not owe. I receive Social Security and they are threatening me. I need protection from them. \n","text":"Company chooses not to provide a public response","context":": Van Ru Credit Corp is continuing drastic collection tactics to collect for a debt I do not owe. I receive Social Security and they are threatening me. I need protection from them. \n : Company chooses not to provide a public response"},{"Question":"Transunion is reporting a balance of {$1600.00} on an XXXX account. This is wrong the balance is {$0.00}. \n","text":"Company chooses not to provide a public response","context":": Transunion is reporting a balance of {$1600.00} on an XXXX account. This is wrong the balance is {$0.00}. \n : Company chooses not to provide a public response"},{"Question":"i paid off the for XXXX XXXX and they need to remove it. \n","text":"Company chooses not to provide a public response","context":": i paid off the for XXXX XXXX and they need to remove it. \n : Company chooses not to provide a public response"},{"Question":"Hard inquiry on my account that I did not authorize. \n","text":"Company chooses not to provide a public response","context":": Hard inquiry on my account that I did not authorize. \n : Company chooses not to provide a public response"},{"Question":"Experian is the only credit bureau that has not fixed this. Reporting a past due of {$2500.00}. This is incorrect. should show {$0.00} past dueXXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": Experian is the only credit bureau that has not fixed this. Reporting a past due of {$2500.00}. This is incorrect. should show {$0.00} past dueXXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"i paidoff the lien at XXXX XXXX please remove \n","text":"Company chooses not to provide a public response","context":": i paidoff the lien at XXXX XXXX please remove \n : Company chooses not to provide a public response"},{"Question":"Recently my bank XXXX XXXX XXXX check my credit report in order to give mea loan for a house and appear in the report a bankruptcy.I never declared bankruptcy \n","text":"Company chooses not to provide a public response","context":": Recently my bank XXXX XXXX XXXX check my credit report in order to give mea loan for a house and appear in the report a bankruptcy.I never declared bankruptcy \n : Company chooses not to provide a public response"},{"Question":"I have these private student loans from a fraudulent for profit college. The loan documents say school name is unavailable and my graduation year is XXXX. I believe that these loans are fraudulent and invalid. I am asking for forgiveness on all of these fraudulent loans. \n","text":"Company chooses not to provide a public response","context":": I have these private student loans from a fraudulent for profit college. The loan documents say school name is unavailable and my graduation year is XXXX. I believe that these loans are fraudulent and invalid. I am asking for forgiveness on all of these fraudulent loans. \n : Company chooses not to provide a public response"},{"Question":"remove from my credit report XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": remove from my credit report XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Closed Account and TCF is claiming negative XXXX. Never had a write off. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Closed Account and TCF is claiming negative XXXX. Never had a write off. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The debt has been paid and the company continues to report a balance on my credit report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The debt has been paid and the company continues to report a balance on my credit report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"does not belong to me please remove medical XXXX account \n","text":"Company chooses not to provide a public response","context":": does not belong to me please remove medical XXXX account \n : Company chooses not to provide a public response"},{"Question":"The credit reporting agency continues to report a balance on an account that is paid. They continue to verify this balance as accurate although it is not. They will not provide a method of verification. \n","text":"Company chooses not to provide a public response","context":": The credit reporting agency continues to report a balance on an account that is paid. They continue to verify this balance as accurate although it is not. They will not provide a method of verification. \n : Company chooses not to provide a public response"},{"Question":"this not my account from XXXX {$540.00} please remove \n","text":"Company chooses not to provide a public response","context":": this not my account from XXXX {$540.00} please remove \n : Company chooses not to provide a public response"},{"Question":"XXXX letters sent to the mortgage institution in order to request the money is available, according to the monthly loan statement, and they did n't answer it. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": XXXX letters sent to the mortgage institution in order to request the money is available, according to the monthly loan statement, and they did n't answer it. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I check to my credit report and see mbb I have reached out to them several times and yet to hear back from them. I reached out to the credit bureaus and they say to contact them directly. my credit is being affected by something that is not mine. \n","text":"Company chooses not to provide a public response","context":": I check to my credit report and see mbb I have reached out to them several times and yet to hear back from them. I reached out to the credit bureaus and they say to contact them directly. my credit is being affected by something that is not mine. \n : Company chooses not to provide a public response"},{"Question":"Asked XXXX to defer XXXX payments, was told I needed to bring my account up to date before they would \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Asked XXXX to defer XXXX payments, was told I needed to bring my account up to date before they would \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have requested from Esperian,, XXXX times for my report. I get the runaround, it is in the mail, next week for sure. Sent me a letter to tell me it would be within the next week. What re-coursedo I have, if it is a legal claim, bring it on. \n","text":"Company chooses not to provide a public response","context":": I have requested from Esperian,, XXXX times for my report. I get the runaround, it is in the mail, next week for sure. Sent me a letter to tell me it would be within the next week. What re-coursedo I have, if it is a legal claim, bring it on. \n : Company chooses not to provide a public response"},{"Question":"I wrote Transunion in XXXX and they never wrote me back. I am attaching what I sent. \n","text":"Company chooses not to provide a public response","context":": I wrote Transunion in XXXX and they never wrote me back. I am attaching what I sent. \n : Company chooses not to provide a public response"},{"Question":"I wrote Experian in XXXX and they never write me back. \n","text":"Company chooses not to provide a public response","context":": I wrote Experian in XXXX and they never write me back. \n : Company chooses not to provide a public response"},{"Question":"I 've received an unsolicited loan offer with an annual interest rate ranging from 99.75 % to 184.36 % from a company called LoanMe, Inc. based in XXXX, CA. ( License # XXXX ) \n","text":"Company disputes the facts presented in the complaint","context":": I 've received an unsolicited loan offer with an annual interest rate ranging from 99.75 % to 184.36 % from a company called LoanMe, Inc. based in XXXX, CA. ( License # XXXX ) \n : Company disputes the facts presented in the complaint"},{"Question":"I have a reverse mortgage and am getting threatening letters that I can lose my home because I owe XXXX for property insurance even though I sent proof that my condo XXXX provides it. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have a reverse mortgage and am getting threatening letters that I can lose my home because I owe XXXX for property insurance even though I sent proof that my condo XXXX provides it. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My mortgage loan was with SunTrust and in XXXX 2013, they transferred my loan to XXXX as a bankruptcy mortgage loan to service. I never filed bankruptcy nor was I ever late or behind on my mortgage. this has caused my credit score to decline and I cant refinance my home. \n","text":"Company chooses not to provide a public response","context":": My mortgage loan was with SunTrust and in XXXX 2013, they transferred my loan to XXXX as a bankruptcy mortgage loan to service. I never filed bankruptcy nor was I ever late or behind on my mortgage. this has caused my credit score to decline and I cant refinance my home. \n : Company chooses not to provide a public response"},{"Question":"I was approached by us bank about a student loan \n","text":"Company chooses not to provide a public response","context":": I was approached by us bank about a student loan \n : Company chooses not to provide a public response"},{"Question":"In 2012, I was covered by health insurance plan with XXXX and do not owe any outstanding balance for this account. Please provide me with information pertaining to this account that proves that the bill was not settled. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": In 2012, I was covered by health insurance plan with XXXX and do not owe any outstanding balance for this account. Please provide me with information pertaining to this account that proves that the bill was not settled. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Experian a reporting bureau. I did not authorize XXXX-inquiries that are on my reportaccounts listed below are not mineXXXX XXXX XXXXXXXX-or XXXX collections \n","text":"Company chooses not to provide a public response","context":": Experian a reporting bureau. I did not authorize XXXX-inquiries that are on my reportaccounts listed below are not mineXXXX XXXX XXXXXXXX-or XXXX collections \n : Company chooses not to provide a public response"},{"Question":"Charles Schwab will made a hard credit pull on my credit report when signing up for a new bank account. Lots of banks make soft inquiries but nowhere does it say that they will make a hard inquiry. \n","text":"Company chooses not to provide a public response","context":": Charles Schwab will made a hard credit pull on my credit report when signing up for a new bank account. Lots of banks make soft inquiries but nowhere does it say that they will make a hard inquiry. \n : Company chooses not to provide a public response"},{"Question":"I was sued by Autovest LLC on an alleged loan. \nAutovest is a debt collector. They knew that the debt was beyond the statue of limitations. \nThis company has had me in court for over 2 years and has tried to garnish my wages over a time barred debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was sued by Autovest LLC on an alleged loan. \nAutovest is a debt collector. They knew that the debt was beyond the statue of limitations. \nThis company has had me in court for over 2 years and has tried to garnish my wages over a time barred debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received a letter from Experian that my information was compromised by an unauthorized party. When I checked my credit report I saw two hard inquiries that I did not authorize. I want to dispute them and get them erased from my credit \n","text":"Company chooses not to provide a public response","context":": I received a letter from Experian that my information was compromised by an unauthorized party. When I checked my credit report I saw two hard inquiries that I did not authorize. I want to dispute them and get them erased from my credit \n : Company chooses not to provide a public response"},{"Question":"Experian has listed Telephone Numbers listed on my credit report that I have no knowledge of in my past, I demand that XXXX, XXXX, XXXX be immediately removed from my credit report. \n","text":"Company chooses not to provide a public response","context":": Experian has listed Telephone Numbers listed on my credit report that I have no knowledge of in my past, I demand that XXXX, XXXX, XXXX be immediately removed from my credit report. \n : Company chooses not to provide a public response"},{"Question":"I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. DATE REPORTED : XXXX\/XXXX\/2008 \n","text":"Company chooses not to provide a public response","context":": I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. DATE REPORTED : XXXX\/XXXX\/2008 \n : Company chooses not to provide a public response"},{"Question":"I am requesting that Experian remove the address listed on the Experian Credit File, history : XXXX XXXX XXXX XXXX, XXXX, WA XXXX \n","text":"Company chooses not to provide a public response","context":": I am requesting that Experian remove the address listed on the Experian Credit File, history : XXXX XXXX XXXX XXXX, XXXX, WA XXXX \n : Company chooses not to provide a public response"},{"Question":"While checking my credit report, I noticed TransUnion has telephone numbers listed that I demand be removed from my credit file. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX \n","text":"Company chooses not to provide a public response","context":": While checking my credit report, I noticed TransUnion has telephone numbers listed that I demand be removed from my credit file. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX \n : Company chooses not to provide a public response"},{"Question":"I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX DATE REPORTED : XXXX\/XXXX\/2007 \n","text":"Company chooses not to provide a public response","context":": I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX DATE REPORTED : XXXX\/XXXX\/2007 \n : Company chooses not to provide a public response"},{"Question":"I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX\/XXXX\/2015 \n","text":"Company chooses not to provide a public response","context":": I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX\/XXXX\/2015 \n : Company chooses not to provide a public response"},{"Question":"I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX\/XXXX\/2009 \n","text":"Company chooses not to provide a public response","context":": I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX\/XXXX\/2009 \n : Company chooses not to provide a public response"},{"Question":"I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX\/XXXX\/2010 \n","text":"Company chooses not to provide a public response","context":": I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX\/XXXX\/2010 \n : Company chooses not to provide a public response"},{"Question":"I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX \n","text":"Company chooses not to provide a public response","context":": I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX \n : Company chooses not to provide a public response"},{"Question":"I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX\/XXXX\/2015 \n","text":"Company chooses not to provide a public response","context":": I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX\/XXXX\/2015 \n : Company chooses not to provide a public response"},{"Question":"I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Address indentification number : XXXX, Single family XXXX \n","text":"Company chooses not to provide a public response","context":": I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Address indentification number : XXXX, Single family XXXX \n : Company chooses not to provide a public response"},{"Question":"I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX\/XXXX\/2015 \n","text":"Company chooses not to provide a public response","context":": I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX\/XXXX\/2015 \n : Company chooses not to provide a public response"},{"Question":"I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX. Address indentification number : XXXX, Single family XXXX \n","text":"Company chooses not to provide a public response","context":": I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX. Address indentification number : XXXX, Single family XXXX \n : Company chooses not to provide a public response"},{"Question":"I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX \n","text":"Company chooses not to provide a public response","context":": I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX \n : Company chooses not to provide a public response"},{"Question":"I requested a credit report do to identity theft and they said they could not prove my identity from the address iam currently I moved in XX\/XX\/XXXX to XXXX XXXX XXXX XXXX va XXXX I used to live at XXXX XXXX XXXX XXXX va XXXX for about a 1y1\/2 year in XX\/XX\/XXXX \n","text":"Company chooses not to provide a public response","context":": I requested a credit report do to identity theft and they said they could not prove my identity from the address iam currently I moved in XX\/XX\/XXXX to XXXX XXXX XXXX XXXX va XXXX I used to live at XXXX XXXX XXXX XXXX va XXXX for about a 1y1\/2 year in XX\/XX\/XXXX \n : Company chooses not to provide a public response"},{"Question":"I made a payment on my checking account for my credit card. My deposit did not credit until the next day. This caused my bank account to overdraft XXXX The next day I credited the account but still have an overdraft fee. I ca n't afford to pay this. \n","text":"Company chooses not to provide a public response","context":": I made a payment on my checking account for my credit card. My deposit did not credit until the next day. This caused my bank account to overdraft XXXX The next day I credited the account but still have an overdraft fee. I ca n't afford to pay this. \n : Company chooses not to provide a public response"},{"Question":"I was charged {$35.00} for XXXX overdraft fee 's for charges less {$10.00}. I am going though financial medical hardship. \n","text":"Company chooses not to provide a public response","context":": I was charged {$35.00} for XXXX overdraft fee 's for charges less {$10.00}. I am going though financial medical hardship. \n : Company chooses not to provide a public response"},{"Question":"Experian is reporting XXXX charges as open and not satisfied but they have been paid. I have called XXXX XXXX about my {$34.00} \" balance '' and my {$73.00} \" balance '' but have not received a response. \n","text":"Company chooses not to provide a public response","context":": Experian is reporting XXXX charges as open and not satisfied but they have been paid. I have called XXXX XXXX about my {$34.00} \" balance '' and my {$73.00} \" balance '' but have not received a response. \n : Company chooses not to provide a public response"},{"Question":"it shows i applied for many credit cards which i did n't. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": it shows i applied for many credit cards which i did n't. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Closed since 1985 \n","text":"Company chooses not to provide a public response","context":": Closed since 1985 \n : Company chooses not to provide a public response"},{"Question":"Allied Interstate keeps calling me on my cell phone. And I told them they have the wrong number. I have no debt owed. And I do not know how they got my number. \n","text":"Company chooses not to provide a public response","context":": Allied Interstate keeps calling me on my cell phone. And I told them they have the wrong number. I have no debt owed. And I do not know how they got my number. \n : Company chooses not to provide a public response"},{"Question":"Northest Collections Agency XXXX. They have the wrong phone number, I have repeatedly asked them \" nicely '' to stop calling to no avail. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Northest Collections Agency XXXX. They have the wrong phone number, I have repeatedly asked them \" nicely '' to stop calling to no avail. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"After repeated communication that I was unable to pay for my student loans. I received several calls in one day from Sallie Mae. The most recent call at XXXX on XXXX XXXX, was from a rep. who yelled at me and threatened to add additional delinquency fees. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": After repeated communication that I was unable to pay for my student loans. I received several calls in one day from Sallie Mae. The most recent call at XXXX on XXXX XXXX, was from a rep. who yelled at me and threatened to add additional delinquency fees. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Flagship calls me every day up to five times a day every time I am late on payment. Even, after I advise them I can not make the payment until a specific date ( the day I get paid ). Last week they contacted me at work. \n","text":"Company chooses not to provide a public response","context":": Flagship calls me every day up to five times a day every time I am late on payment. Even, after I advise them I can not make the payment until a specific date ( the day I get paid ). Last week they contacted me at work. \n : Company chooses not to provide a public response"},{"Question":"I got this card for my wife and she was to pay the balance. She had lost her job and did not make me aware that there was a balance due on this account. Would like to have these removed from my credit report, the account is paid in full and in good standing. \n","text":"Company chooses not to provide a public response","context":": I got this card for my wife and she was to pay the balance. She had lost her job and did not make me aware that there was a balance due on this account. Would like to have these removed from my credit report, the account is paid in full and in good standing. \n : Company chooses not to provide a public response"},{"Question":"I have an unauthorized and unjustified hard inquiry on my Experian credit report from XXXX XXXX XXXX. Experian has told me I can contact XXXX XXXX XXXX to request it be removed but XXXX XXXX XXXX is no longer in business so I am out of options. \n","text":"Company chooses not to provide a public response","context":": I have an unauthorized and unjustified hard inquiry on my Experian credit report from XXXX XXXX XXXX. Experian has told me I can contact XXXX XXXX XXXX to request it be removed but XXXX XXXX XXXX is no longer in business so I am out of options. \n : Company chooses not to provide a public response"},{"Question":"Citibank Sears MasterCard has been charging {$19.00} a month since XXXX\/XXXX\/2015 for \" XXXX CreditRep '' and I do not know what it is and did not ever authorize this charge. \nI submitted a written dispute with Citibank upon discovery of the charges ( XXXX\/XXXX\/2015 ). \n","text":"Company chooses not to provide a public response","context":": Citibank Sears MasterCard has been charging {$19.00} a month since XXXX\/XXXX\/2015 for \" XXXX CreditRep '' and I do not know what it is and did not ever authorize this charge. \nI submitted a written dispute with Citibank upon discovery of the charges ( XXXX\/XXXX\/2015 ). \n : Company chooses not to provide a public response"},{"Question":". New servicer is reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy. The reporting date is XX\/XX\/XXXX and Date of last activity is XX\/XX\/XXXX. This debt was discharged in XX\/XX\/XXXX and I didnt reaffirm. \n","text":"Company believes complaint is the result of an isolated error","context":": . New servicer is reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy. The reporting date is XX\/XX\/XXXX and Date of last activity is XX\/XX\/XXXX. This debt was discharged in XX\/XX\/XXXX and I didnt reaffirm. \n : Company believes complaint is the result of an isolated error"},{"Question":"This judgement was dismissed in XXXX of 2015 \n","text":"Company chooses not to provide a public response","context":": This judgement was dismissed in XXXX of 2015 \n : Company chooses not to provide a public response"},{"Question":"I started the process to try and have things removed from my credit report, I called and spoke to customer service at XXXX XXXX about the lates on this account. I was unaware of this many lates for this account. They said that I was only late 1 time. But on my credit report it shows 7. \n","text":"Company chooses not to provide a public response","context":": I started the process to try and have things removed from my credit report, I called and spoke to customer service at XXXX XXXX about the lates on this account. I was unaware of this many lates for this account. They said that I was only late 1 time. But on my credit report it shows 7. \n : Company chooses not to provide a public response"},{"Question":"I was given a date of XXXX to move out. I would like to remain in the home and pay rent. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was given a date of XXXX to move out. I would like to remain in the home and pay rent. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I disputed several items on my credit report that have wrong balance and wrong dates, yet experian refuses to investigate the matter saying that it is true with no further investigation. Experian needs to be fined and forced to reinvestigate my dispute!!!!!! \n","text":"Company chooses not to provide a public response","context":": I disputed several items on my credit report that have wrong balance and wrong dates, yet experian refuses to investigate the matter saying that it is true with no further investigation. Experian needs to be fined and forced to reinvestigate my dispute!!!!!! \n : Company chooses not to provide a public response"},{"Question":"I ask for a copy of my payment history dating back from now until 2007 for creditor XXXX and experian or XXXX can provide me with my account history dating back to the beginning of loan \n","text":"Company chooses not to provide a public response","context":": I ask for a copy of my payment history dating back from now until 2007 for creditor XXXX and experian or XXXX can provide me with my account history dating back to the beginning of loan \n : Company chooses not to provide a public response"},{"Question":"The representatives were very rude and telling me I 'm responsible for a debt from 9 years ago. Continuing to ask me you still owe the debt and it does n't matter how long ago it was \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The representatives were very rude and telling me I 'm responsible for a debt from 9 years ago. Continuing to ask me you still owe the debt and it does n't matter how long ago it was \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have disputed the debt with the credit bureau, and the debtor has failed to validate the debt is mine. I am requesting the collection item be removed immediately due to noncompliance of the section 809 of the Fair Debt collection practices act. \n","text":"Company chooses not to provide a public response","context":": I have disputed the debt with the credit bureau, and the debtor has failed to validate the debt is mine. I am requesting the collection item be removed immediately due to noncompliance of the section 809 of the Fair Debt collection practices act. \n : Company chooses not to provide a public response"},{"Question":"Pinnacle debt collection company tried to collect our quarterly maintenance fee of {$370.00} ( for XXXX quarters ) and we were willing to pay the past due but they said there is an additional fee of {$120.00} for collecting service which we can not agree with. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Pinnacle debt collection company tried to collect our quarterly maintenance fee of {$370.00} ( for XXXX quarters ) and we were willing to pay the past due but they said there is an additional fee of {$120.00} for collecting service which we can not agree with. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am receiving multiple phone calls daily. Similarly, friends of mine are getting between XXXX and XXXX calls some days asking for my contact information. I do not recall ever giving anyone this friend 's contact information, not even as a reference. \n","text":"Company chooses not to provide a public response","context":": I am receiving multiple phone calls daily. Similarly, friends of mine are getting between XXXX and XXXX calls some days asking for my contact information. I do not recall ever giving anyone this friend 's contact information, not even as a reference. \n : Company chooses not to provide a public response"},{"Question":"Escallate LLC ( phone number XXXX ) failed to file proper health insurance claims and went ahead without informing me to file a collection on my credit. They ruined my credit, now I have been denied a refinance mortgage. \n","text":"Company chooses not to provide a public response","context":": Escallate LLC ( phone number XXXX ) failed to file proper health insurance claims and went ahead without informing me to file a collection on my credit. They ruined my credit, now I have been denied a refinance mortgage. \n : Company chooses not to provide a public response"},{"Question":"Transunion is listing an account from XXXX XXXX XXXX. I disputed the account as invalid. I owe no money to anyone. Please delete this account ASAP. \n","text":"Company chooses not to provide a public response","context":": Transunion is listing an account from XXXX XXXX XXXX. I disputed the account as invalid. I owe no money to anyone. Please delete this account ASAP. \n : Company chooses not to provide a public response"},{"Question":"I have made several attempts to get Transunion to change my Tax Lien.. They were sent a notice to vacate. Please help me on this as well as the XXXX Lien is pad. Thank you and I will attache. The paper work. Thank you, XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I have made several attempts to get Transunion to change my Tax Lien.. They were sent a notice to vacate. Please help me on this as well as the XXXX Lien is pad. Thank you and I will attache. The paper work. Thank you, XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"An account listed under XXXX is being reported on my credit report.The Account is not mine. \n","text":"Company chooses not to provide a public response","context":": An account listed under XXXX is being reported on my credit report.The Account is not mine. \n : Company chooses not to provide a public response"},{"Question":"My report shows me as married. I have been happily devorced for 14 years now \n","text":"Company chooses not to provide a public response","context":": My report shows me as married. I have been happily devorced for 14 years now \n : Company chooses not to provide a public response"},{"Question":"Transunion is listing account from XXXX XXXX XXXX XXXX which is more than 8 years old since the last delinquincy. \n","text":"Company chooses not to provide a public response","context":": Transunion is listing account from XXXX XXXX XXXX XXXX which is more than 8 years old since the last delinquincy. \n : Company chooses not to provide a public response"},{"Question":"Experian is reporting the account from XXXX XXXX XXXX XXXX which is more than 8 years since last delinquincy. \n","text":"Company chooses not to provide a public response","context":": Experian is reporting the account from XXXX XXXX XXXX XXXX which is more than 8 years since last delinquincy. \n : Company chooses not to provide a public response"},{"Question":"Experian is reporting an acount from XXXX which is not mine. \n","text":"Company chooses not to provide a public response","context":": Experian is reporting an acount from XXXX which is not mine. \n : Company chooses not to provide a public response"},{"Question":"Experian is reporting an account from XXXX XXXX XXXX, which is incorrect. \n","text":"Company chooses not to provide a public response","context":": Experian is reporting an account from XXXX XXXX XXXX, which is incorrect. \n : Company chooses not to provide a public response"},{"Question":"victim of identity theft and fraud I have never establish credit or lived outside XXXX before 2014 \n","text":"Company chooses not to provide a public response","context":": victim of identity theft and fraud I have never establish credit or lived outside XXXX before 2014 \n : Company chooses not to provide a public response"},{"Question":"For some odd reason Experian is keeping everything on my report for 10 years. I do have a bankruptcy and understand that has to stay, but other things that should fall off in XXXX ... everything is defaulting to 10 years. \n","text":"Company chooses not to provide a public response","context":": For some odd reason Experian is keeping everything on my report for 10 years. I do have a bankruptcy and understand that has to stay, but other things that should fall off in XXXX ... everything is defaulting to 10 years. \n : Company chooses not to provide a public response"},{"Question":"on or about XXXX\/XXXX\/2015, i requested that u s bank send me a modification package. \nowr, which I did not receive within 5 days the notification of receiving.nor a respone to my request \n","text":"Company chooses not to provide a public response","context":": on or about XXXX\/XXXX\/2015, i requested that u s bank send me a modification package. \nowr, which I did not receive within 5 days the notification of receiving.nor a respone to my request \n : Company chooses not to provide a public response"},{"Question":"I was not the owner of this property for the year listed on the Tax Lien according to the XXXX County, Board of Assessors. ( See attached ) This Lien is a non issue with XXXX and XXXX but I ca n't clear it up with Transunion. \n","text":"Company chooses not to provide a public response","context":": I was not the owner of this property for the year listed on the Tax Lien according to the XXXX County, Board of Assessors. ( See attached ) This Lien is a non issue with XXXX and XXXX but I ca n't clear it up with Transunion. \n : Company chooses not to provide a public response"},{"Question":"I entered my identification inormation in, I did not recognize or remember most of the correct answers. The website then told me I ca n't get my credit report. \n","text":"Company chooses not to provide a public response","context":": I entered my identification inormation in, I did not recognize or remember most of the correct answers. The website then told me I ca n't get my credit report. \n : Company chooses not to provide a public response"},{"Question":"My XXXX XXXX account is showing 41 % credit utilization there is less than 10 %. \n","text":"Company chooses not to provide a public response","context":": My XXXX XXXX account is showing 41 % credit utilization there is less than 10 %. \n : Company chooses not to provide a public response"},{"Question":"I have been trying to get a loan from Eloan since XXXX. They said I was approved and I still have n't gotten the loan. The reason why I have n't gotten it because they keep coming up with fees that needs to be paid before they can give it to me. \n","text":"Company chooses not to provide a public response","context":": I have been trying to get a loan from Eloan since XXXX. They said I was approved and I still have n't gotten the loan. The reason why I have n't gotten it because they keep coming up with fees that needs to be paid before they can give it to me. \n : Company chooses not to provide a public response"},{"Question":"This is an old account. I made attempts to contact the collection agency to work out a payment plan which they did n't accept. I 've since received numerous calls. It has become uncomfortable and distracting taking these called while I 'm at work. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This is an old account. I made attempts to contact the collection agency to work out a payment plan which they did n't accept. I 've since received numerous calls. It has become uncomfortable and distracting taking these called while I 'm at work. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The date shown as the 'date opened ' is incorrect. This date is years after the correct date and impairs my status. I need all incorrect information removed, please. The original creditor was XXXX. \n","text":"Company chooses not to provide a public response","context":": The date shown as the 'date opened ' is incorrect. This date is years after the correct date and impairs my status. I need all incorrect information removed, please. The original creditor was XXXX. \n : Company chooses not to provide a public response"},{"Question":"Trans Union has numerous inaccurate balance accounts and has reported accounts discharged in BK. These accounts were not included in my 2010 BK and were paid in full. \n","text":"Company chooses not to provide a public response","context":": Trans Union has numerous inaccurate balance accounts and has reported accounts discharged in BK. These accounts were not included in my 2010 BK and were paid in full. \n : Company chooses not to provide a public response"},{"Question":"Bank of America continues to deny me the ability to open an account after I have reported fraud on an old account as well as including it in a bankruptcy because they refused to honor the identity theft police report. \n","text":"Company chooses not to provide a public response","context":": Bank of America continues to deny me the ability to open an account after I have reported fraud on an old account as well as including it in a bankruptcy because they refused to honor the identity theft police report. \n : Company chooses not to provide a public response"},{"Question":"Experian has fraudulent information listed on my credit file from XXXX XXXX XXXX XXXX Numerous attempts to dispute this Inaccurate and Unverifiable information have been made with no remedy. Supporting documentation will be sent via U.S. Mail \n","text":"Company chooses not to provide a public response","context":": Experian has fraudulent information listed on my credit file from XXXX XXXX XXXX XXXX Numerous attempts to dispute this Inaccurate and Unverifiable information have been made with no remedy. Supporting documentation will be sent via U.S. Mail \n : Company chooses not to provide a public response"},{"Question":"Please see the enclosed XXXX statement for XX\/XX\/XXXX. My due date was XX\/XX\/XXXX and my account was paid on XX\/XX\/XXXX for XX\/XX\/XXXX and XX\/XX\/XXXX for XX\/XX\/XXXX. Therefore my bill was not late and please updates all credit reports with this information. \n","text":"Company chooses not to provide a public response","context":": Please see the enclosed XXXX statement for XX\/XX\/XXXX. My due date was XX\/XX\/XXXX and my account was paid on XX\/XX\/XXXX for XX\/XX\/XXXX and XX\/XX\/XXXX for XX\/XX\/XXXX. Therefore my bill was not late and please updates all credit reports with this information. \n : Company chooses not to provide a public response"},{"Question":"I recently served notice to the company to validate a questionable account they had reported on my credit report. The company not only failed to provide me with the proof I had requested but also verified the account with the 3 credit bureaus and persevered with reporting it. \n","text":"Company chooses not to provide a public response","context":": I recently served notice to the company to validate a questionable account they had reported on my credit report. The company not only failed to provide me with the proof I had requested but also verified the account with the 3 credit bureaus and persevered with reporting it. \n : Company chooses not to provide a public response"},{"Question":"Tranunion refuses to investigation my dispute of wrong balances and\/or dates of collection items. They gave me no proof that they even tried to investigate!!!!! \n","text":"Company chooses not to provide a public response","context":": Tranunion refuses to investigation my dispute of wrong balances and\/or dates of collection items. They gave me no proof that they even tried to investigate!!!!! \n : Company chooses not to provide a public response"},{"Question":"In XXXX 2009 my XXXX XXXX services account was paid in full. However, it is reporting late on my Transunion credit report and it has been removed from all other reporting agencies. The account was paid in full within XXXX days. \n","text":"Company chooses not to provide a public response","context":": In XXXX 2009 my XXXX XXXX services account was paid in full. However, it is reporting late on my Transunion credit report and it has been removed from all other reporting agencies. The account was paid in full within XXXX days. \n : Company chooses not to provide a public response"},{"Question":"THIS ACCOUNT IS NOT MINE IT IS A RESULT FROM MY IDENTITY PREVIOUSLY BEING STOLEN ... I HAVE FILED A POLICE REPORT AS WELL AS ID THEFT AFFIDAVIT AND COMPLAINT FROM THE FTC REGARDING THIS MATTER. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": THIS ACCOUNT IS NOT MINE IT IS A RESULT FROM MY IDENTITY PREVIOUSLY BEING STOLEN ... I HAVE FILED A POLICE REPORT AS WELL AS ID THEFT AFFIDAVIT AND COMPLAINT FROM THE FTC REGARDING THIS MATTER. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I requested Experian to revolve a tax lien from my credit report as it does not belong to me. The credit agency says that they verified the information is correct. That is absolutely not truethe lien is not mines and should be removed from my credit file. \n","text":"Company chooses not to provide a public response","context":": I requested Experian to revolve a tax lien from my credit report as it does not belong to me. The credit agency says that they verified the information is correct. That is absolutely not truethe lien is not mines and should be removed from my credit file. \n : Company chooses not to provide a public response"},{"Question":"There is an address on my report. I have no idea who 's it is I have never lived there and do n't know anyone who could live at this address. It is XXXX XXXX XXXX XXXX co XXXX \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": There is an address on my report. I have no idea who 's it is I have never lived there and do n't know anyone who could live at this address. It is XXXX XXXX XXXX XXXX co XXXX \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I have been receiving repeated calls, XXXX to XXXX times daily for about two months from a number out of the US. The caller never leaves a message. I will not answer any calls that I do not know. This company comes up on the caller id as area code XXXX.USAA \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have been receiving repeated calls, XXXX to XXXX times daily for about two months from a number out of the US. The caller never leaves a message. I will not answer any calls that I do not know. This company comes up on the caller id as area code XXXX.USAA \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have been a victim of Identity Theft \n","text":"Company chooses not to provide a public response","context":": I have been a victim of Identity Theft \n : Company chooses not to provide a public response"},{"Question":"ENHANCED RECOVERY COMPANY has re-reported a debt on my CB as a new collection item. This item has been removed several times - XXXX Bill. It is now being reported with XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": ENHANCED RECOVERY COMPANY has re-reported a debt on my CB as a new collection item. This item has been removed several times - XXXX Bill. It is now being reported with XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The Car Loan for XXXX Lincoln Navigator with XXXX XXXX was paid in full XX\/XX\/XXXX. XXXX will not dispute this. We recovered the vehicle before it was re-poed XX\/XX\/XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX \n","text":"Company chooses not to provide a public response","context":": The Car Loan for XXXX Lincoln Navigator with XXXX XXXX was paid in full XX\/XX\/XXXX. XXXX will not dispute this. We recovered the vehicle before it was re-poed XX\/XX\/XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX \n : Company chooses not to provide a public response"},{"Question":"It 's been paid in full \n","text":"Company chooses not to provide a public response","context":": It 's been paid in full \n : Company chooses not to provide a public response"},{"Question":"This attempt to collect a debt that was a result of identity theft and needs to be closed and settled. I do not owe this organization money or its subsidiary. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This attempt to collect a debt that was a result of identity theft and needs to be closed and settled. I do not owe this organization money or its subsidiary. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This attempt to collect a debt that was a result of identity theft and needs to be closed and settled. I do not owe this organization money or its subsidiary. \n","text":"Company chooses not to provide a public response","context":": This attempt to collect a debt that was a result of identity theft and needs to be closed and settled. I do not owe this organization money or its subsidiary. \n : Company chooses not to provide a public response"},{"Question":"I was given a loan from Countrywide for 100 % of my purchase price on XXXX. \n\nI am currently in Foreclosure. \n\nPlease help me and my family save our home. \n\nThank youXXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I was given a loan from Countrywide for 100 % of my purchase price on XXXX. \n\nI am currently in Foreclosure. \n\nPlease help me and my family save our home. \n\nThank youXXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I have been trying for last 3 years to get a loan modification from Select Portforlio. They have not helped me and set a foreclosure sale date on my home for XXXX\/XXXX\/2015 \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have been trying for last 3 years to get a loan modification from Select Portforlio. They have not helped me and set a foreclosure sale date on my home for XXXX\/XXXX\/2015 \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"my mortgage includes escrow however my mortgage\/servicing company, Seneca, has not paid my property taxes and I have called repeatedly and faxed in a copy of my tax bill. XXXX quarterly payments have not been paid to dat. \n","text":"Company chooses not to provide a public response","context":": my mortgage includes escrow however my mortgage\/servicing company, Seneca, has not paid my property taxes and I have called repeatedly and faxed in a copy of my tax bill. XXXX quarterly payments have not been paid to dat. \n : Company chooses not to provide a public response"},{"Question":"got a phone call by a \" debt collector '' claiming i owed {$370.00} from an unpaid loan that I never made. i requested proof of the debt and was sent the attached handwritten form. \n","text":"Company chooses not to provide a public response","context":": got a phone call by a \" debt collector '' claiming i owed {$370.00} from an unpaid loan that I never made. i requested proof of the debt and was sent the attached handwritten form. \n : Company chooses not to provide a public response"},{"Question":"Transition has an address on my credit report in XXXX Missouri. I have never lived there. I do n't know if this will make a difference, but should be corrected. Thank you. \n","text":"Company chooses not to provide a public response","context":": Transition has an address on my credit report in XXXX Missouri. I have never lived there. I do n't know if this will make a difference, but should be corrected. Thank you. \n : Company chooses not to provide a public response"},{"Question":"experian dispute report came back with same wrong late payment when i was never late. \n","text":"Company chooses not to provide a public response","context":": experian dispute report came back with same wrong late payment when i was never late. \n : Company chooses not to provide a public response"},{"Question":"I have not received notice of this account from the collection agency. I only learned of this account while monitoring my credit report. \n","text":"Company chooses not to provide a public response","context":": I have not received notice of this account from the collection agency. I only learned of this account while monitoring my credit report. \n : Company chooses not to provide a public response"},{"Question":"i have never been late as shown on transunion. \n","text":"Company chooses not to provide a public response","context":": i have never been late as shown on transunion. \n : Company chooses not to provide a public response"},{"Question":"I am getting calls from XXXX XXXX at XXXX. It is possible he is trying to reach my brother, who may or may not have debt. I do not have contact with my brother. I let XXXX XXXX calls go to voicemail. \n","text":"Company chooses not to provide a public response","context":": I am getting calls from XXXX XXXX at XXXX. It is possible he is trying to reach my brother, who may or may not have debt. I do not have contact with my brother. I let XXXX XXXX calls go to voicemail. \n : Company chooses not to provide a public response"},{"Question":"Transunion will not give me my FREE credit report! They want to charge me for it and have me sign up for something I do not want!!! I NEED my report NOW ... not in 15 days. I want it online. What am I suppose to do to get it? \n","text":"Company chooses not to provide a public response","context":": Transunion will not give me my FREE credit report! They want to charge me for it and have me sign up for something I do not want!!! I NEED my report NOW ... not in 15 days. I want it online. What am I suppose to do to get it? \n : Company chooses not to provide a public response"},{"Question":"Threatened to send police to get me. Refused to mail me documents stating what debts I owed. Wo n't stop calling me or my family. \n( XXXX ) XXXX \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Threatened to send police to get me. Refused to mail me documents stating what debts I owed. Wo n't stop calling me or my family. \n( XXXX ) XXXX \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I keep getting an address on my report and i have never ever lived there, so please remove it. XXXX XXXX XXXX XXXX, IL XXXX I have never even been there in my life. \n","text":"Company chooses not to provide a public response","context":": I keep getting an address on my report and i have never ever lived there, so please remove it. XXXX XXXX XXXX XXXX, IL XXXX I have never even been there in my life. \n : Company chooses not to provide a public response"},{"Question":"Mortgage payment made through XXXX XXXX XXXX bill pay on XX\/XX\/XXXX. To date, Wells has not posted this payment. \n","text":"Company chooses not to provide a public response","context":": Mortgage payment made through XXXX XXXX XXXX bill pay on XX\/XX\/XXXX. To date, Wells has not posted this payment. \n : Company chooses not to provide a public response"},{"Question":"I contacted Phillips and Cohen requesting debt validation on XXXX\/XXXX\/2015. This was my second request to get verification of this debt and they have ignored my request time and time again. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I contacted Phillips and Cohen requesting debt validation on XXXX\/XXXX\/2015. This was my second request to get verification of this debt and they have ignored my request time and time again. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Account remaining on my credit report after the company has requested numerous times to remove it. \n","text":"Company chooses not to provide a public response","context":": Account remaining on my credit report after the company has requested numerous times to remove it. \n : Company chooses not to provide a public response"},{"Question":"This account was paid in full, see attached pay off letter. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This account was paid in full, see attached pay off letter. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have faxed Experian and XXXX XXXX the judgment that the court files were paid in full and satisfied. They are still on my credit report \n","text":"Company chooses not to provide a public response","context":": I have faxed Experian and XXXX XXXX the judgment that the court files were paid in full and satisfied. They are still on my credit report \n : Company chooses not to provide a public response"},{"Question":"I filed dispute but the TransUnion will not recornize dispute. other than a number XXXX \n","text":"Company chooses not to provide a public response","context":": I filed dispute but the TransUnion will not recornize dispute. other than a number XXXX \n : Company chooses not to provide a public response"},{"Question":"Progressive Finanical calls up to ten times a day or more. They call from several different numbers and states, including the XXXX XXXX. The calls start before XXXX and do not stop until after XXXX. \n","text":"Company chooses not to provide a public response","context":": Progressive Finanical calls up to ten times a day or more. They call from several different numbers and states, including the XXXX XXXX. The calls start before XXXX and do not stop until after XXXX. \n : Company chooses not to provide a public response"},{"Question":"violators of fcra, fdcpa, and tcpa. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": violators of fcra, fdcpa, and tcpa. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was refused Credit card based on filing bankruptcy 20 years back. They are using there information to process credit card rather using Credit Bureau. \n","text":"Company chooses not to provide a public response","context":": I was refused Credit card based on filing bankruptcy 20 years back. They are using there information to process credit card rather using Credit Bureau. \n : Company chooses not to provide a public response"},{"Question":"I have XXXX hard hits on my credit report that I 'm not making \n","text":"Company chooses not to provide a public response","context":": I have XXXX hard hits on my credit report that I 'm not making \n : Company chooses not to provide a public response"},{"Question":"I did not authorized this hard inquiry","text":"Company chooses not to provide a public response","context":": I did not authorized this hard inquiry : Company chooses not to provide a public response"},{"Question":"Sent the attached letter to the credit company at the same time filed with CFPB. This credit report is a joke. Its 90 percent wrong and I paid {$39.00} for it. See attachment \n","text":"Company chooses not to provide a public response","context":": Sent the attached letter to the credit company at the same time filed with CFPB. This credit report is a joke. Its 90 percent wrong and I paid {$39.00} for it. See attachment \n : Company chooses not to provide a public response"},{"Question":"No filed CFPB and letter to credit reporting company at the same time. copy of credit report with marked and highlighted incorrect data on 90 percent of report sent to credit report company. \n","text":"Company chooses not to provide a public response","context":": No filed CFPB and letter to credit reporting company at the same time. copy of credit report with marked and highlighted incorrect data on 90 percent of report sent to credit report company. \n : Company chooses not to provide a public response"},{"Question":"I recently viewed my credit report from XXXX and found the collection account it. They did n't send me any notice neither a debt validation. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I recently viewed my credit report from XXXX and found the collection account it. They did n't send me any notice neither a debt validation. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"a legal item is on my Transunion credit report, it is my father 's we have same name but of course not the same ssn \n","text":"Company chooses not to provide a public response","context":": a legal item is on my Transunion credit report, it is my father 's we have same name but of course not the same ssn \n : Company chooses not to provide a public response"},{"Question":"Collection agency has been calling my cell phone over the last couple of weeks. I have sent them a cease and desist letter and they continue to call. I try answering my cell phone when they call but there is no one on the line. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Collection agency has been calling my cell phone over the last couple of weeks. I have sent them a cease and desist letter and they continue to call. I try answering my cell phone when they call but there is no one on the line. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I asked investigate for wrong accounts on my report. \nCredit bureau just pretend verified without contact creditors. \n","text":"Company chooses not to provide a public response","context":": I asked investigate for wrong accounts on my report. \nCredit bureau just pretend verified without contact creditors. \n : Company chooses not to provide a public response"},{"Question":"I never received proof of any debt and an opportunity to dispute it. I have contacted Hunter Warfield directly and they confirmed they had the wrong mailing address and that I did not receive any documentation. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I never received proof of any debt and an opportunity to dispute it. I have contacted Hunter Warfield directly and they confirmed they had the wrong mailing address and that I did not receive any documentation. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I was denied a home mortgage loan for an invalid reason and even after the fact received a Truth-In-Lending Addendum document that has the terms and condition of the loan which took 6 months of my time and XXXX credit pulls. \n","text":"Company chooses not to provide a public response","context":": I was denied a home mortgage loan for an invalid reason and even after the fact received a Truth-In-Lending Addendum document that has the terms and condition of the loan which took 6 months of my time and XXXX credit pulls. \n : Company chooses not to provide a public response"},{"Question":"On XXXX\/XXXX\/15 I was checking my Transunion credit scores and saw that they had decreased my scores by XXXX points. Please have them tell me why they did this. There has been no activity with my report. \n","text":"Company chooses not to provide a public response","context":": On XXXX\/XXXX\/15 I was checking my Transunion credit scores and saw that they had decreased my scores by XXXX points. Please have them tell me why they did this. There has been no activity with my report. \n : Company chooses not to provide a public response"},{"Question":"refer to CFPB case # XXXX XXXX - Suntrust removed disputed mortgage lates reporting. Supporting documentation was provided to support error. Please remove SunTrust Mortgage late. \n","text":"Company chooses not to provide a public response","context":": refer to CFPB case # XXXX XXXX - Suntrust removed disputed mortgage lates reporting. Supporting documentation was provided to support error. Please remove SunTrust Mortgage late. \n : Company chooses not to provide a public response"},{"Question":"I noticed a deposit on my bank account for {$500.00} from Radiant XXXX that I did not apply for. \n","text":"Company believes complaint is the result of an isolated error","context":": I noticed a deposit on my bank account for {$500.00} from Radiant XXXX that I did not apply for. \n : Company believes complaint is the result of an isolated error"},{"Question":"Malcolm S Gerald & Associates XXXX has been repeatedly calling me from the number XXXX XXXX XXXX. They keep asking for Date of Birth, without even specify purpose of the desired call. It is very annoying for repeatedly being contacted with no specific reason. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Malcolm S Gerald & Associates XXXX has been repeatedly calling me from the number XXXX XXXX XXXX. They keep asking for Date of Birth, without even specify purpose of the desired call. It is very annoying for repeatedly being contacted with no specific reason. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Have letter dated from XXXX\/XXXX\/2015 from debt that is over 10 years old and has had many CFPB complaints filed on it before, removed from credit reports several years ago, now getting threats to collect. \n","text":"Company chooses not to provide a public response","context":": Have letter dated from XXXX\/XXXX\/2015 from debt that is over 10 years old and has had many CFPB complaints filed on it before, removed from credit reports several years ago, now getting threats to collect. \n : Company chooses not to provide a public response"},{"Question":"bought phone from XXXX and got a contract ... but got a really high bill {$180.00}. and told the lady that i was not happy and wanted to go back to prepay ... then they cut me off and said i owe {$810.00}. that is crazy \n","text":"Company chooses not to provide a public response","context":": bought phone from XXXX and got a contract ... but got a really high bill {$180.00}. and told the lady that i was not happy and wanted to go back to prepay ... then they cut me off and said i owe {$810.00}. that is crazy \n : Company chooses not to provide a public response"},{"Question":"Related Case # XXXXChexSystems had been re-inserted into my credit file derogatory marks from XXXX XXXX XXXX. \n\nYou are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. \n","text":"Company chooses not to provide a public response","context":": Related Case # XXXXChexSystems had been re-inserted into my credit file derogatory marks from XXXX XXXX XXXX. \n\nYou are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. \n : Company chooses not to provide a public response"},{"Question":"The account was deleted by XXXX And Transunion because is from XXXX And more the 7 years has passed but the creditor reinstalled them with a different balance. But it is the same account .XXXX \n","text":"Company chooses not to provide a public response","context":": The account was deleted by XXXX And Transunion because is from XXXX And more the 7 years has passed but the creditor reinstalled them with a different balance. But it is the same account .XXXX \n : Company chooses not to provide a public response"},{"Question":"Bank Of America Credit Card is failing to give my wife and me a grace period. My wife was XXXX minutes past the due date and they charged me a late fee. After my wife complained they eventually dropped it. \n","text":"Company chooses not to provide a public response","context":": Bank Of America Credit Card is failing to give my wife and me a grace period. My wife was XXXX minutes past the due date and they charged me a late fee. After my wife complained they eventually dropped it. \n : Company chooses not to provide a public response"},{"Question":"The alleged debt is non-existent as all debts with XXXX XXXX XXXX have been fully satisfied by me in the past. The collection of any other debt is unwarranted and unfounded. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": The alleged debt is non-existent as all debts with XXXX XXXX XXXX have been fully satisfied by me in the past. The collection of any other debt is unwarranted and unfounded. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"XXXX XXXX XXXX XXXX a balance of {$1700.00}. This is not for me, it is for a XXXX my deceased husband owned. A lady came to my home about XXXX years ago and questioned me and I explained the same to her. From what I understood this amount is for parts purchased for the business. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX a balance of {$1700.00}. This is not for me, it is for a XXXX my deceased husband owned. A lady came to my home about XXXX years ago and questioned me and I explained the same to her. From what I understood this amount is for parts purchased for the business. \n : Company chooses not to provide a public response"},{"Question":"this bill was to go through my health insurance. I contacted the company MANY times with NO response. \n","text":"Company can't verify or dispute the facts in the complaint","context":": this bill was to go through my health insurance. I contacted the company MANY times with NO response. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"A representative has only called me twice in the last 2 days, then called my former place of employment for a debt from 3 years ago that has long been since taken care of. \n","text":"Company believes complaint is the result of an isolated error","context":": A representative has only called me twice in the last 2 days, then called my former place of employment for a debt from 3 years ago that has long been since taken care of. \n : Company believes complaint is the result of an isolated error"},{"Question":"I paid this Creditor in XXXX and it still is showing on my Credit Report. XXXX amount of XXXX \n","text":"Company chooses not to provide a public response","context":": I paid this Creditor in XXXX and it still is showing on my Credit Report. XXXX amount of XXXX \n : Company chooses not to provide a public response"},{"Question":"i, let my family member get service with XXXX several years ago. they ran up a bill .i did n't know until collection agency sent letter .after the second XXXX i payed a settlement. now the third XXXX wants more money. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i, let my family member get service with XXXX several years ago. they ran up a bill .i did n't know until collection agency sent letter .after the second XXXX i payed a settlement. now the third XXXX wants more money. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They call more than 5 times a day. They never leave a message. \n\nThey have also called my stepdad and left a message with him, he is not the person I put on my application. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They call more than 5 times a day. They never leave a message. \n\nThey have also called my stepdad and left a message with him, he is not the person I put on my application. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My wife and I have asked numerous times to stop calling us at work. \nWhen the call 2-3 times a day, the do not leave the name of the rep only XXXX. \n","text":"Company chooses not to provide a public response","context":": My wife and I have asked numerous times to stop calling us at work. \nWhen the call 2-3 times a day, the do not leave the name of the rep only XXXX. \n : Company chooses not to provide a public response"},{"Question":"Calls routinely trying to contact my son. They have been told with every contact that my son is imprisoned and not available at my residence or at my telephone. They state that my number will be removed. The calls have continued for 11 months. Please make them leave me alone. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Calls routinely trying to contact my son. They have been told with every contact that my son is imprisoned and not available at my residence or at my telephone. They state that my number will be removed. The calls have continued for 11 months. Please make them leave me alone. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I have told them repeatedly that I am not allowed personal calls at work and they keep calling. I am going to lose my job if they do n't stop. \n","text":"Company chooses not to provide a public response","context":": I have told them repeatedly that I am not allowed personal calls at work and they keep calling. I am going to lose my job if they do n't stop. \n : Company chooses not to provide a public response"},{"Question":"Transunion would not change information after disputing account several times. \n","text":"Company chooses not to provide a public response","context":": Transunion would not change information after disputing account several times. \n : Company chooses not to provide a public response"},{"Question":"Calling a household in which I never lived \n","text":"Company disputes the facts presented in the complaint","context":": Calling a household in which I never lived \n : Company disputes the facts presented in the complaint"},{"Question":"Experian did not investigate my disputes that I gave a specific statement on they onlysent a embedded print out of a excuse saying I was n't specific. I said this is not mine etc by each disouted item listed. \n","text":"Company chooses not to provide a public response","context":": Experian did not investigate my disputes that I gave a specific statement on they onlysent a embedded print out of a excuse saying I was n't specific. I said this is not mine etc by each disouted item listed. \n : Company chooses not to provide a public response"},{"Question":"there is a derogatory Macy 's account in my credit report that does not belong to me. I have a current Macy 's account that is up to date on payments and has been that way for over 20 years. I need this to be cleared so that it reflects my actual information. \n","text":"Company chooses not to provide a public response","context":": there is a derogatory Macy 's account in my credit report that does not belong to me. I have a current Macy 's account that is up to date on payments and has been that way for over 20 years. I need this to be cleared so that it reflects my actual information. \n : Company chooses not to provide a public response"},{"Question":"I disputed a judgement which is not mine with this company # XXXX and they have not responded. I need confirmation they removed this inaccurate listing. Can you please help me find out? \n","text":"Company chooses not to provide a public response","context":": I disputed a judgement which is not mine with this company # XXXX and they have not responded. I need confirmation they removed this inaccurate listing. Can you please help me find out? \n : Company chooses not to provide a public response"},{"Question":"THERE ARE ALOT OF ACCOUNTS THAT I CLOSED MYSELF AND THERES TOO MANY OLD REPORTS ON MY CREDIT REPORT THAT SHOULDNT BE THERE RUINING MY CREDIT SCORE \n","text":"Company chooses not to provide a public response","context":": THERE ARE ALOT OF ACCOUNTS THAT I CLOSED MYSELF AND THERES TOO MANY OLD REPORTS ON MY CREDIT REPORT THAT SHOULDNT BE THERE RUINING MY CREDIT SCORE \n : Company chooses not to provide a public response"},{"Question":"COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I have disputed this charge. I have sent them request to verify this charge. They do not have any signed documentation on this charge and I want them removed. I believe it was filed incorrectly under medicare\/medicaid and this item is not mine. \n","text":"Company chooses not to provide a public response","context":": I have disputed this charge. I have sent them request to verify this charge. They do not have any signed documentation on this charge and I want them removed. I believe it was filed incorrectly under medicare\/medicaid and this item is not mine. \n : Company chooses not to provide a public response"},{"Question":"For the last few years, I have been receiving credit card bills or solicitations with pre-printed checks. I think this is a dangerous practice should someone steal your mail or you throw these away unaware that pre-printed checks are in the envelope. \n","text":"Company chooses not to provide a public response","context":": For the last few years, I have been receiving credit card bills or solicitations with pre-printed checks. I think this is a dangerous practice should someone steal your mail or you throw these away unaware that pre-printed checks are in the envelope. \n : Company chooses not to provide a public response"},{"Question":"transunion credit bureau has me at a very low score on my credit report ... .i want to know why \n","text":"Company chooses not to provide a public response","context":": transunion credit bureau has me at a very low score on my credit report ... .i want to know why \n : Company chooses not to provide a public response"},{"Question":"Demands I send them money using a prepaid credit card instead of me sending them payments through my bill payer. It 's a credit card debt I had several ago and they Premium Asset Services LLC. They have just started calling me this month. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Demands I send them money using a prepaid credit card instead of me sending them payments through my bill payer. It 's a credit card debt I had several ago and they Premium Asset Services LLC. They have just started calling me this month. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Fraud charge on credit card for product never received. \nBarclayCard Services XXXX. XXXX XXXX XXXX, DE XXXXXXXXmerchant - XXXX, XXXX XXXX, XXXX ) XXXX XXXXXXXXXXXX \n","text":"Company chooses not to provide a public response","context":": Fraud charge on credit card for product never received. \nBarclayCard Services XXXX. XXXX XXXX XXXX, DE XXXXXXXXmerchant - XXXX, XXXX XXXX, XXXX ) XXXX XXXXXXXXXXXX \n : Company chooses not to provide a public response"},{"Question":"My direct deposit for my social security check was fraudulently changed in XXXX so I wanted to look at my credit report and ca n't get it without paying for it. I strongly feel my identity has been stolen. \n","text":"Company chooses not to provide a public response","context":": My direct deposit for my social security check was fraudulently changed in XXXX so I wanted to look at my credit report and ca n't get it without paying for it. I strongly feel my identity has been stolen. \n : Company chooses not to provide a public response"},{"Question":"I have been unable to use my account due to fraudlent activity because of identity theft i spoke with the fraud dept awhile ago to get it resolved nothing has yet to be done \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have been unable to use my account due to fraudlent activity because of identity theft i spoke with the fraud dept awhile ago to get it resolved nothing has yet to be done \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Transunion has an incorrect address noted for me. I believe that there is an individual with my name who lived there, and the information was simply added to my report instead of hers. \n","text":"Company chooses not to provide a public response","context":": Transunion has an incorrect address noted for me. I believe that there is an individual with my name who lived there, and the information was simply added to my report instead of hers. \n : Company chooses not to provide a public response"},{"Question":"XXXX account balance was paid of {$220.00} and only showing through XXXX affecting my transunion score. \n","text":"Company chooses not to provide a public response","context":": XXXX account balance was paid of {$220.00} and only showing through XXXX affecting my transunion score. \n : Company chooses not to provide a public response"},{"Question":"FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA \n","text":"Company chooses not to provide a public response","context":": FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA \n : Company chooses not to provide a public response"},{"Question":"I do not know who they are but they are calling me on a work issued cell phone number. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I do not know who they are but they are calling me on a work issued cell phone number. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"DISPUTED XXXX XXXX BANK SINCE XXXX. WITH THE ASSISTANCE FROM THE CFPB I HAVE GOTTEN IT DELETED FROM XXXX, HOWEVER THEY REMAIN ON EXPERIAN AND XXXX. I WILL NEED THE FRAUDULENT INQUIRIES REMOVE FROM ALL XXXX BUREAUS \n","text":"Company chooses not to provide a public response","context":": DISPUTED XXXX XXXX BANK SINCE XXXX. WITH THE ASSISTANCE FROM THE CFPB I HAVE GOTTEN IT DELETED FROM XXXX, HOWEVER THEY REMAIN ON EXPERIAN AND XXXX. I WILL NEED THE FRAUDULENT INQUIRIES REMOVE FROM ALL XXXX BUREAUS \n : Company chooses not to provide a public response"},{"Question":"I have several inquires from companies on my credit report. They never contacted me or I never knew about these companies. There is also an employer listed that I did not know still exist. \n","text":"Company chooses not to provide a public response","context":": I have several inquires from companies on my credit report. They never contacted me or I never knew about these companies. There is also an employer listed that I did not know still exist. \n : Company chooses not to provide a public response"},{"Question":"Never lived in Pennsylvania in my life. \nAlso NEVER known as XXXX XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": Never lived in Pennsylvania in my life. \nAlso NEVER known as XXXX XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"This agency never sent me a notice before placing XXXX erroneous accounts on my credit. Which is illegal. I asked for validation of these accounts and received no response. Yet, they continue to report on my credit. \n","text":"Company disputes the facts presented in the complaint","context":": This agency never sent me a notice before placing XXXX erroneous accounts on my credit. Which is illegal. I asked for validation of these accounts and received no response. Yet, they continue to report on my credit. \n : Company disputes the facts presented in the complaint"},{"Question":"Continuous calls several times a day for months, leaving no message. I had to call back to find out who they were. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Continuous calls several times a day for months, leaving no message. I had to call back to find out who they were. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Bank of America is denying my loan modification after XXXX years. \n","text":"Company chooses not to provide a public response","context":": Bank of America is denying my loan modification after XXXX years. \n : Company chooses not to provide a public response"},{"Question":"I have contacted the lender many times asking if they would remove the PMI from my mortgage payments without a positive resolution. The PMI makes my mortgage higher than i can afford and it should have been gone a long time ago. \n","text":"Company chooses not to provide a public response","context":": I have contacted the lender many times asking if they would remove the PMI from my mortgage payments without a positive resolution. The PMI makes my mortgage higher than i can afford and it should have been gone a long time ago. \n : Company chooses not to provide a public response"},{"Question":"I advised that I was unaware of debt. Notified it was a mistake on XXXX. I have an account in good standing with them. Told them I would resolve the issue and was told they would take me off of call list. They r now calling over 5 times a day on my home phone. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I advised that I was unaware of debt. Notified it was a mistake on XXXX. I have an account in good standing with them. Told them I would resolve the issue and was told they would take me off of call list. They r now calling over 5 times a day on my home phone. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The debt was paid by the insurance to XXXX Hospital Please remove it from my credit it should have never being reported it was paid by the insurance. \n","text":"Company chooses not to provide a public response","context":": The debt was paid by the insurance to XXXX Hospital Please remove it from my credit it should have never being reported it was paid by the insurance. \n : Company chooses not to provide a public response"},{"Question":"My mortage comapany Banco Popular of XXXX, refuses to modify my loan so I can keep my home. Investor is XXXX XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": My mortage comapany Banco Popular of XXXX, refuses to modify my loan so I can keep my home. Investor is XXXX XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"Shortly after filing Case number : XXXX with the CFPB Citi closed my credit card account. Prior to this time that had cut off my online access and would not allow me online access to pay my bill or review my account. I now no longer have access to any of my card history. \n","text":"Company chooses not to provide a public response","context":": Shortly after filing Case number : XXXX with the CFPB Citi closed my credit card account. Prior to this time that had cut off my online access and would not allow me online access to pay my bill or review my account. I now no longer have access to any of my card history. \n : Company chooses not to provide a public response"},{"Question":"Will discuss upon receiving notification. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Will discuss upon receiving notification. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Continuous rude, threatening, and harassing messages or long blank messages left. When I attempt to contact the company provided no agents available after XXXX hours. \n","text":"Company believes complaint is the result of an isolated error","context":": Continuous rude, threatening, and harassing messages or long blank messages left. When I attempt to contact the company provided no agents available after XXXX hours. \n : Company believes complaint is the result of an isolated error"},{"Question":"account is showed charged off XXXX seperate times and should just show closed in XXXX 2013 \n","text":"Company chooses not to provide a public response","context":": account is showed charged off XXXX seperate times and should just show closed in XXXX 2013 \n : Company chooses not to provide a public response"},{"Question":"I am a victim of identity theft. I have disputed this fraudulent account multiple times with Macy 's and have received no response with validation\/verification of this debt. This account does not belong to me, and is not even in my name. \n","text":"Company chooses not to provide a public response","context":": I am a victim of identity theft. I have disputed this fraudulent account multiple times with Macy 's and have received no response with validation\/verification of this debt. This account does not belong to me, and is not even in my name. \n : Company chooses not to provide a public response"},{"Question":"I have been trying to get Specialized Loan Servicing to review my request for a loan modification and they have not responded or assisted me any fashion. \n","text":"Company chooses not to provide a public response","context":": I have been trying to get Specialized Loan Servicing to review my request for a loan modification and they have not responded or assisted me any fashion. \n : Company chooses not to provide a public response"},{"Question":"I BELIEVE THAT MY ACCOUNTS AT THE WELLS FARGO BANK HAVE BEEN UNLAWFULLY USURPED AND DEVALUED. I WOULD LIKE TO ENSURE THAT NO MONEY IS LOST EVEN AT BANK CLOSURE. I AM HOPING THAT NO MONEY IS LOST DUE TO TRANSFER, TRANSPORT OR ANY MOVEMENT ON THE CASE. \n","text":"Company chooses not to provide a public response","context":": I BELIEVE THAT MY ACCOUNTS AT THE WELLS FARGO BANK HAVE BEEN UNLAWFULLY USURPED AND DEVALUED. I WOULD LIKE TO ENSURE THAT NO MONEY IS LOST EVEN AT BANK CLOSURE. I AM HOPING THAT NO MONEY IS LOST DUE TO TRANSFER, TRANSPORT OR ANY MOVEMENT ON THE CASE. \n : Company chooses not to provide a public response"},{"Question":"I had a personal Loan of {$500.00} with XXXX XXXX XXXX. It have been paidand closed since XXXX\/XXXX\/2015 and it is still being showed on my Transunion rreport till this day. Have provided receipts to them showing it has beenpaid but ca n't get it updated for some reason. \n","text":"Company chooses not to provide a public response","context":": I had a personal Loan of {$500.00} with XXXX XXXX XXXX. It have been paidand closed since XXXX\/XXXX\/2015 and it is still being showed on my Transunion rreport till this day. Have provided receipts to them showing it has beenpaid but ca n't get it updated for some reason. \n : Company chooses not to provide a public response"},{"Question":"Continuous calling my number and threating my family and I with legal action. \n","text":"Company disputes the facts presented in the complaint","context":": Continuous calling my number and threating my family and I with legal action. \n : Company disputes the facts presented in the complaint"},{"Question":"Request validation of this debt. I do not believe I owe this creditor. Initial bill sent to wrong address due to their error. Conflicting amounts allegedly owed. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Request validation of this debt. I do not believe I owe this creditor. Initial bill sent to wrong address due to their error. Conflicting amounts allegedly owed. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Closed safe deposit and credit cards for no reason \n","text":"Company chooses not to provide a public response","context":": Closed safe deposit and credit cards for no reason \n : Company chooses not to provide a public response"},{"Question":"We signed the house deed over to XXXX XXXX XXXX in XXXX 2015. The loan account is still showing open and is continuing to be reported as delinquent. We do not own this property any longer. \n","text":"Company chooses not to provide a public response","context":": We signed the house deed over to XXXX XXXX XXXX in XXXX 2015. The loan account is still showing open and is continuing to be reported as delinquent. We do not own this property any longer. \n : Company chooses not to provide a public response"},{"Question":"I call ; ed the company and wrote to the company at least XXXX times stating I closed the account. This should be removed from ALL XXXX credit bureaus. The account was closed by ME not the copnay. \n","text":"Company chooses not to provide a public response","context":": I call ; ed the company and wrote to the company at least XXXX times stating I closed the account. This should be removed from ALL XXXX credit bureaus. The account was closed by ME not the copnay. \n : Company chooses not to provide a public response"},{"Question":"WRONG ADDRESS ON MY REPORT NEVER LIVED THERE \n","text":"Company chooses not to provide a public response","context":": WRONG ADDRESS ON MY REPORT NEVER LIVED THERE \n : Company chooses not to provide a public response"},{"Question":"A payee to whom I wrote a check erroneously cash the check twice for XXXX different amounts. I called Suntrust to address the issue and over a month later it has not been addressed. Call center agents were misleading or incompetent \n","text":"Company chooses not to provide a public response","context":": A payee to whom I wrote a check erroneously cash the check twice for XXXX different amounts. I called Suntrust to address the issue and over a month later it has not been addressed. Call center agents were misleading or incompetent \n : Company chooses not to provide a public response"},{"Question":"I did not receive a written or verbal notice giving me the opportunity to dispute or pay the debt. I was made aware of the debt when my credit report was pulled recently for a home purchase. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I did not receive a written or verbal notice giving me the opportunity to dispute or pay the debt. I was made aware of the debt when my credit report was pulled recently for a home purchase. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I got my free annual credit report. I has just XXXX companies with their credit report ; XXXX AND XXXX but not the EXPERIAN. I need the full XXXX companies reports and now I will pay Experian in order to obtain it because it is listed in thre free credit reports but it is not included. \n","text":"Company chooses not to provide a public response","context":": I got my free annual credit report. I has just XXXX companies with their credit report ; XXXX AND XXXX but not the EXPERIAN. I need the full XXXX companies reports and now I will pay Experian in order to obtain it because it is listed in thre free credit reports but it is not included. \n : Company chooses not to provide a public response"},{"Question":"CashCall is an illegal payday loan. It is being sued in court. I am wondering should i still be repaying my loan if its illegal \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": CashCall is an illegal payday loan. It is being sued in court. I am wondering should i still be repaying my loan if its illegal \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have a similar name and keep having their stuff on my reports! \n","text":"Company chooses not to provide a public response","context":": I have a similar name and keep having their stuff on my reports! \n : Company chooses not to provide a public response"},{"Question":"A service of loan forgiveness which I believe to be a scam took out XXXX dollars in my checking account and I didnt have any funds ... therefore the bank added n additional XXXX dollar insufficient funds overdraft fee. \n","text":"Company chooses not to provide a public response","context":": A service of loan forgiveness which I believe to be a scam took out XXXX dollars in my checking account and I didnt have any funds ... therefore the bank added n additional XXXX dollar insufficient funds overdraft fee. \n : Company chooses not to provide a public response"},{"Question":"XXXX to XXXX phone calls a day XXXX days a week \n","text":"Company chooses not to provide a public response","context":": XXXX to XXXX phone calls a day XXXX days a week \n : Company chooses not to provide a public response"},{"Question":"The AARGON AGNCY has been paid and closed","text":"Company believes it acted appropriately as authorized by contract or law","context":": The AARGON AGNCY has been paid and closed : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Some one used my name and social security number yo open up a light bill at an address I never lived at \n","text":"Company can't verify or dispute the facts in the complaint","context":": Some one used my name and social security number yo open up a light bill at an address I never lived at \n : Company can't verify or dispute the facts in the complaint"},{"Question":"My daughter XXXX XXXX is being listed as my spouse on my credit report. She is my daughter and not my spouse. \n","text":"Company chooses not to provide a public response","context":": My daughter XXXX XXXX is being listed as my spouse on my credit report. She is my daughter and not my spouse. \n : Company chooses not to provide a public response"},{"Question":"XXXX card agreed to remove fraudulent account information then 4 months later started reporting again and sold the debt to a collection agency. A complete identity theft report has been mailed to both companies by certified mail. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX card agreed to remove fraudulent account information then 4 months later started reporting again and sold the debt to a collection agency. A complete identity theft report has been mailed to both companies by certified mail. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Barclay card agreed to remove fraudulent account information then 4 months later started reporting again and sold the debt to a collection agency. A complete identity theft report has been mailed to both companies by certified mail. \n","text":"Company chooses not to provide a public response","context":": Barclay card agreed to remove fraudulent account information then 4 months later started reporting again and sold the debt to a collection agency. A complete identity theft report has been mailed to both companies by certified mail. \n : Company chooses not to provide a public response"},{"Question":"I am currently in review for a loan modification and have provided all the paperwork that my mortgage servicer has requested. I also have a foreclosure sale scheduled on XXXX\/XXXX\/15 and need help getting it pushed back. \n","text":"Company chooses not to provide a public response","context":": I am currently in review for a loan modification and have provided all the paperwork that my mortgage servicer has requested. I also have a foreclosure sale scheduled on XXXX\/XXXX\/15 and need help getting it pushed back. \n : Company chooses not to provide a public response"},{"Question":"Received unsolicited pre-paid debit card. \n\nWhen I attempted to contact customer service the phone tree was always looping back to account activation where they requested DOB and SSN. There was no possible way to talk to a customer representative. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Received unsolicited pre-paid debit card. \n\nWhen I attempted to contact customer service the phone tree was always looping back to account activation where they requested DOB and SSN. There was no possible way to talk to a customer representative. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I 've noticed a address on my credit report that does n't belong to me nor have I ever lived at. \n","text":"Company chooses not to provide a public response","context":": I 've noticed a address on my credit report that does n't belong to me nor have I ever lived at. \n : Company chooses not to provide a public response"},{"Question":"Calling my residence on a debt that I do not owe. Harrassing \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Calling my residence on a debt that I do not owe. Harrassing \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Citibank continues to make calls to my home concerning a debt for XXXX XXXX. We have told told them onXX\/XX\/2015, XX\/XX\/2015 XX\/XX\/2015, a total of 21 calls, speaking to a XXXX and XXXX this is not our debt \n","text":"Company chooses not to provide a public response","context":": Citibank continues to make calls to my home concerning a debt for XXXX XXXX. We have told told them onXX\/XX\/2015, XX\/XX\/2015 XX\/XX\/2015, a total of 21 calls, speaking to a XXXX and XXXX this is not our debt \n : Company chooses not to provide a public response"},{"Question":"I sold my house on XXXX\/XXXX\/15 and Shellpoint has not reported the sale to XXXX XXXX. My credit report shows I owe a balance of approximately {$160000.00}. This balance is preventing me from obtaining another mortgage. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I sold my house on XXXX\/XXXX\/15 and Shellpoint has not reported the sale to XXXX XXXX. My credit report shows I owe a balance of approximately {$160000.00}. This balance is preventing me from obtaining another mortgage. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I desputed XXXX accounts and there were deleted but XXXX of them reappeared with a different collection name. \n","text":"Company chooses not to provide a public response","context":": I desputed XXXX accounts and there were deleted but XXXX of them reappeared with a different collection name. \n : Company chooses not to provide a public response"},{"Question":"Trans Union does not want to respond to my requests to investigate, verify and remove accounts from my credit report\/file that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Trans Union does not want to respond to my requests to investigate, verify and remove accounts from my credit report\/file that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"I disputed Enhanced Recovery Collection agency XXXX XXXX XXXX few times and it was removed because I declared it as not authorized transaction. Today I noticed that a company ERC reported : '' XXXX '' reapeard. \n","text":"Company believes complaint is the result of an isolated error","context":": I disputed Enhanced Recovery Collection agency XXXX XXXX XXXX few times and it was removed because I declared it as not authorized transaction. Today I noticed that a company ERC reported : '' XXXX '' reapeard. \n : Company believes complaint is the result of an isolated error"},{"Question":"Experian was erroneous information on my credit report and will not remove it. \n","text":"Company chooses not to provide a public response","context":": Experian was erroneous information on my credit report and will not remove it. \n : Company chooses not to provide a public response"},{"Question":"Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"There are hard credit checks on my report dating back to XXXX 2013 that i did not authorize. \n","text":"Company chooses not to provide a public response","context":": There are hard credit checks on my report dating back to XXXX 2013 that i did not authorize. \n : Company chooses not to provide a public response"},{"Question":"I was in a car accident in XXXX 2013. The car was totaled. I should NEVER have been billed for the insurance policy! I want this removed from ALL XXXX credit bureaus ASAP. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I was in a car accident in XXXX 2013. The car was totaled. I should NEVER have been billed for the insurance policy! I want this removed from ALL XXXX credit bureaus ASAP. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I was young and thought I had gotten a check for early payment on services and was getting this nice cozy job but got scammed. It has caused nothing but chaos on my life trying to open a bank account and being denied everywhere due to Bank of America. \n","text":"Company chooses not to provide a public response","context":": I was young and thought I had gotten a check for early payment on services and was getting this nice cozy job but got scammed. It has caused nothing but chaos on my life trying to open a bank account and being denied everywhere due to Bank of America. \n : Company chooses not to provide a public response"},{"Question":"I have contacted XXXX and they said they do not have any record of this discrepancy on my account. \n","text":"Company chooses not to provide a public response","context":": I have contacted XXXX and they said they do not have any record of this discrepancy on my account. \n : Company chooses not to provide a public response"},{"Question":"I was never given an entrance exam to start college and I was told to get a private loan. After I used up the private loan they had me take out federal loans. I have asked Wells Fargo to help me since I ca n't afford to pay this loan, they refused to do anything. \n\nXXXX XXXX, Ohio \n","text":"Company chooses not to provide a public response","context":": I was never given an entrance exam to start college and I was told to get a private loan. After I used up the private loan they had me take out federal loans. I have asked Wells Fargo to help me since I ca n't afford to pay this loan, they refused to do anything. \n\nXXXX XXXX, Ohio \n : Company chooses not to provide a public response"},{"Question":"I contacted Best Buy Credit regarding a Hard Inquiry placed on my XXXX report dated XX\/XX\/2015. Best Buy Credit has no account or a record of application. Best Buy Credit refuses to submit a removal or resolve the situation with XXXX. \n","text":"Company chooses not to provide a public response","context":": I contacted Best Buy Credit regarding a Hard Inquiry placed on my XXXX report dated XX\/XX\/2015. Best Buy Credit has no account or a record of application. Best Buy Credit refuses to submit a removal or resolve the situation with XXXX. \n : Company chooses not to provide a public response"},{"Question":"Pro Collect has reported XXXX accounts two times each \n","text":"Company chooses not to provide a public response","context":": Pro Collect has reported XXXX accounts two times each \n : Company chooses not to provide a public response"},{"Question":"Several other credit breau corrected my report, but Esperian has not, and avoidedmy attempts to help them, with the other XXXX breau reports. And I need the itemsremoved that are wrong and status of limitation has been over the time allowed. \n","text":"Company chooses not to provide a public response","context":": Several other credit breau corrected my report, but Esperian has not, and avoidedmy attempts to help them, with the other XXXX breau reports. And I need the itemsremoved that are wrong and status of limitation has been over the time allowed. \n : Company chooses not to provide a public response"},{"Question":"On my XXXX County XXXX record report there is incorrect information on there that does not belong to me and its rendering me from getting employment. \n","text":"Company chooses not to provide a public response","context":": On my XXXX County XXXX record report there is incorrect information on there that does not belong to me and its rendering me from getting employment. \n : Company chooses not to provide a public response"},{"Question":"First I must apologize for submitting a dispute for the wrong credit reporting agency. My problem is having XXXX or XXXX hard copy reports for the purchase of a car. One company submitted a request thee times for my credit report for the car. Is this wrong? \n","text":"Company chooses not to provide a public response","context":": First I must apologize for submitting a dispute for the wrong credit reporting agency. My problem is having XXXX or XXXX hard copy reports for the purchase of a car. One company submitted a request thee times for my credit report for the car. Is this wrong? \n : Company chooses not to provide a public response"},{"Question":"Transunion credit reporting agency is reporting addresses that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX \n","text":"Company chooses not to provide a public response","context":": Transunion credit reporting agency is reporting addresses that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX \n : Company chooses not to provide a public response"},{"Question":"Will not reinvestigate XXXX. The XXXX is wrong and it should 've fell off my report already. Did not investigate XXXX XXXX fully. And I did not authorize that dealership to run my credit at all. \n","text":"Company chooses not to provide a public response","context":": Will not reinvestigate XXXX. The XXXX is wrong and it should 've fell off my report already. Did not investigate XXXX XXXX fully. And I did not authorize that dealership to run my credit at all. \n : Company chooses not to provide a public response"},{"Question":"the incorrect information on my credit report was not mine it was identity theft as a join account my husband and I. we had previously to the law enforcement. please review the report and correct all negative information they not mine. okay thank you. \n","text":"Company chooses not to provide a public response","context":": the incorrect information on my credit report was not mine it was identity theft as a join account my husband and I. we had previously to the law enforcement. please review the report and correct all negative information they not mine. okay thank you. \n : Company chooses not to provide a public response"},{"Question":"Experian credit reporting agency is reporting address that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX \n","text":"Company chooses not to provide a public response","context":": Experian credit reporting agency is reporting address that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX \n : Company chooses not to provide a public response"},{"Question":"This is a debt associated with my sister in law. I have phoned them twice to tell them that this is not my debt nor does my sister in law reside at this number. They have been calling every single weekday for over 8 months. \n","text":"Company chooses not to provide a public response","context":": This is a debt associated with my sister in law. I have phoned them twice to tell them that this is not my debt nor does my sister in law reside at this number. They have been calling every single weekday for over 8 months. \n : Company chooses not to provide a public response"},{"Question":"I had a checking account at US BANK. someone use my account by Fraud. I have sent letters. There put me on XXXX. It is not my Fault. \n","text":"Company chooses not to provide a public response","context":": I had a checking account at US BANK. someone use my account by Fraud. I have sent letters. There put me on XXXX. It is not my Fault. \n : Company chooses not to provide a public response"},{"Question":"I had previously said that appear on my credit report are identity theft. they not mine. those account was made by some one else. \n","text":"Company chooses not to provide a public response","context":": I had previously said that appear on my credit report are identity theft. they not mine. those account was made by some one else. \n : Company chooses not to provide a public response"},{"Question":"There is a collection showing on my account from XXXX from XXXX. This seems to be new and did not appear on several credit reports that I pulled between XX\/XX\/XXXX. I believe this to be an error. \n","text":"Company chooses not to provide a public response","context":": There is a collection showing on my account from XXXX from XXXX. This seems to be new and did not appear on several credit reports that I pulled between XX\/XX\/XXXX. I believe this to be an error. \n : Company chooses not to provide a public response"},{"Question":"I keep getting calls, they have called my ex husband and my work. They threaten a lawsuit jail time and to have my drivers license revoked. \n","text":"Company chooses not to provide a public response","context":": I keep getting calls, they have called my ex husband and my work. They threaten a lawsuit jail time and to have my drivers license revoked. \n : Company chooses not to provide a public response"},{"Question":"Account is more than 7 years old. My car was repossessed in 2008 from original creditor. Collection agency claims they do not have any records of this account, however it is still on my credit report from XXXX XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": Account is more than 7 years old. My car was repossessed in 2008 from original creditor. Collection agency claims they do not have any records of this account, however it is still on my credit report from XXXX XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"my ex-husband is responsible for the refinancing of all past due and all outstanding payments of mortgage as per divorce documents \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": my ex-husband is responsible for the refinancing of all past due and all outstanding payments of mortgage as per divorce documents \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"We continue to get calls from debt collectors regarding people we do not know. There are several debt collection companies calling XXXX to XXXX times a day. We have told them time and time again we do not know the people and take us off your calling list. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": We continue to get calls from debt collectors regarding people we do not know. There are several debt collection companies calling XXXX to XXXX times a day. We have told them time and time again we do not know the people and take us off your calling list. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My credit report was provided to XXXX XXXX XXXX without my approval. I 've asked the dealership several times to reverse the hard inquiry without success. I need the inquiry removed immediately! \n","text":"Company chooses not to provide a public response","context":": My credit report was provided to XXXX XXXX XXXX without my approval. I 've asked the dealership several times to reverse the hard inquiry without success. I need the inquiry removed immediately! \n : Company chooses not to provide a public response"},{"Question":"never opened an account which was indicated on report. \n","text":"Company chooses not to provide a public response","context":": never opened an account which was indicated on report. \n : Company chooses not to provide a public response"},{"Question":"The Macy 's payments website did not process my payment \n","text":"Company chooses not to provide a public response","context":": The Macy 's payments website did not process my payment \n : Company chooses not to provide a public response"},{"Question":"I have an address I have never lived at.. The address is XXXX XXXX XXXX XXXX XXXX, ok. XXXX I do n't even know how it got there.. Would like it removed please.. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I have an address I have never lived at.. The address is XXXX XXXX XXXX XXXX XXXX, ok. XXXX I do n't even know how it got there.. Would like it removed please.. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$570.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and stole my rewards. \n","text":"Company chooses not to provide a public response","context":": I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$570.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and stole my rewards. \n : Company chooses not to provide a public response"},{"Question":"I have disputed this entry for more than 2 years now. Experian, XXXX refuse to remove this entry even after I sent them evidence that this account should be deleted. XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I have disputed this entry for more than 2 years now. Experian, XXXX refuse to remove this entry even after I sent them evidence that this account should be deleted. XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I am getting repeated phone calls from this number with no message left and no ID \n","text":"Company can't verify or dispute the facts in the complaint","context":": I am getting repeated phone calls from this number with no message left and no ID \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Experian has my XXXX XXXX account listed as closed. Its open and paid on timeattached is a copy of report and card information \n","text":"Company chooses not to provide a public response","context":": Experian has my XXXX XXXX account listed as closed. Its open and paid on timeattached is a copy of report and card information \n : Company chooses not to provide a public response"},{"Question":"I need my home inspection from the year XXXXXXXXTo XX\/XX\/XXXX all document that stated that IPaid Well Fargo and I need a payment historyFrom XXXX XXXX to XX\/XX\/XXXX \n","text":"Company chooses not to provide a public response","context":": I need my home inspection from the year XXXXXXXXTo XX\/XX\/XXXX all document that stated that IPaid Well Fargo and I need a payment historyFrom XXXX XXXX to XX\/XX\/XXXX \n : Company chooses not to provide a public response"},{"Question":"Guardian Mortgage of XXXX Texas withheld my insurance money for home repairs until the repairs were complete. I paid off the mortgage. If I had n't had enough money. I would have been left homeless because of their abusive policies. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Guardian Mortgage of XXXX Texas withheld my insurance money for home repairs until the repairs were complete. I paid off the mortgage. If I had n't had enough money. I would have been left homeless because of their abusive policies. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I 've been denied a loan due to not having my credit report \n","text":"Company chooses not to provide a public response","context":": I 've been denied a loan due to not having my credit report \n : Company chooses not to provide a public response"},{"Question":"My credit score is XXXX. Ally turned me down on a {$7500.00} loan on a {$47000.00} car. \nDealer discount price was subject to a loan with Ally. \n","text":"Company chooses not to provide a public response","context":": My credit score is XXXX. Ally turned me down on a {$7500.00} loan on a {$47000.00} car. \nDealer discount price was subject to a loan with Ally. \n : Company chooses not to provide a public response"},{"Question":"XXXX, TX XXXX ( XXXX ) XXXX Use my credit XXXX time and I only ask for XXXX time, I would like it remove if possible. Thanks \n","text":"Company chooses not to provide a public response","context":": XXXX, TX XXXX ( XXXX ) XXXX Use my credit XXXX time and I only ask for XXXX time, I would like it remove if possible. Thanks \n : Company chooses not to provide a public response"},{"Question":"This were an XXXX XXXX bill that was deleted from my credit report and now it appears on my credit report by another company which should not have happened. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This were an XXXX XXXX bill that was deleted from my credit report and now it appears on my credit report by another company which should not have happened. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have contacted the company for a hardcopy of my credit report both online and by phone and still have not received a copy \n","text":"Company chooses not to provide a public response","context":": I have contacted the company for a hardcopy of my credit report both online and by phone and still have not received a copy \n : Company chooses not to provide a public response"},{"Question":"Is constantly calling my employer and is calling me and threatened I will loose my job if I do n't pay \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Is constantly calling my employer and is calling me and threatened I will loose my job if I do n't pay \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I have contacted the company for a copy of my credit report both by phone and online, I still have not received it \n","text":"Company chooses not to provide a public response","context":": I have contacted the company for a copy of my credit report both by phone and online, I still have not received it \n : Company chooses not to provide a public response"},{"Question":"i paid XXXX for services i did not receive.i was repeatedly promised i would get a website that would be very profitable.i know this business never planned to provide the products or services promised me. \n","text":"Company chooses not to provide a public response","context":": i paid XXXX for services i did not receive.i was repeatedly promised i would get a website that would be very profitable.i know this business never planned to provide the products or services promised me. \n : Company chooses not to provide a public response"},{"Question":"Forced placed insurance \n","text":"Company chooses not to provide a public response","context":": Forced placed insurance \n : Company chooses not to provide a public response"},{"Question":"I wrote Transunion over a year ago telling them I agree with their investigation and to take accounts out of dispute. They did not and I now can not get a home loan \n","text":"Company chooses not to provide a public response","context":": I wrote Transunion over a year ago telling them I agree with their investigation and to take accounts out of dispute. They did not and I now can not get a home loan \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX keeps trying to collect a debt for an account of which I have no knowledge of.I have never lived at the address where they claim services were provided nor do I know anyone who has. \n","text":"Company can't verify or dispute the facts in the complaint","context":": XXXX XXXX XXXX keeps trying to collect a debt for an account of which I have no knowledge of.I have never lived at the address where they claim services were provided nor do I know anyone who has. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX veteran when they denied the loan. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX veteran when they denied the loan. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I noticed this debt on my credit report. The debt is XXXX and the company is forcing me to pay a much larger amount. They refuse to offer me a settlement when I am trying to make good on this debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I noticed this debt on my credit report. The debt is XXXX and the company is forcing me to pay a much larger amount. They refuse to offer me a settlement when I am trying to make good on this debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This company keep putting this account on my report I 'm a victim of identity theft they keep putting on and taking if off back and forth I do n't no what to do again given summit all document to them and it was removed from the rest of credit agency. \n","text":"Company chooses not to provide a public response","context":": This company keep putting this account on my report I 'm a victim of identity theft they keep putting on and taking if off back and forth I do n't no what to do again given summit all document to them and it was removed from the rest of credit agency. \n : Company chooses not to provide a public response"},{"Question":"loan XXXX score different and incorrect from personal XXXX score. Multiple requests for XXXX report and no responseregarding why. ref report # XXXXExperian report. \n","text":"Company chooses not to provide a public response","context":": loan XXXX score different and incorrect from personal XXXX score. Multiple requests for XXXX report and no responseregarding why. ref report # XXXXExperian report. \n : Company chooses not to provide a public response"},{"Question":"I had a debt of {$1900.00} from a school loan that was paid off. Since then, it has been removed and placed back onto my account XXXX times now. Currently, it is showing as being owed. I DO NOT OWE THIS ANYMORE. My income tax was garnished and this was paid in full! \n","text":"Company chooses not to provide a public response","context":": I had a debt of {$1900.00} from a school loan that was paid off. Since then, it has been removed and placed back onto my account XXXX times now. Currently, it is showing as being owed. I DO NOT OWE THIS ANYMORE. My income tax was garnished and this was paid in full! \n : Company chooses not to provide a public response"},{"Question":"Account # XXXX with XXXX is showing late XXXX, and XXXX even though I paid them off on XX\/XX\/XXXX. I spoke to the manager at XXXX XXXX and the problem has not been resolved. \n","text":"Company chooses not to provide a public response","context":": Account # XXXX with XXXX is showing late XXXX, and XXXX even though I paid them off on XX\/XX\/XXXX. I spoke to the manager at XXXX XXXX and the problem has not been resolved. \n : Company chooses not to provide a public response"},{"Question":"I was contacted by United Collections Bureau about a credit card debt. They did not notify me of my right to dispute. I paid the full amount they stated I owed and they have not sent me written acknowledgement that my debt has been cleared, after they stated they would. \n","text":"Company chooses not to provide a public response","context":": I was contacted by United Collections Bureau about a credit card debt. They did not notify me of my right to dispute. I paid the full amount they stated I owed and they have not sent me written acknowledgement that my debt has been cleared, after they stated they would. \n : Company chooses not to provide a public response"},{"Question":"US Bank ( XXXX XXXX XXXX, XXXX XXXX, OH XXXX ) opened up a credit card without my consent. \nI have contacted the Bank and they have submitted a request to the Credit Bureau to remove my inquiry. I need the bank to take action as soon as possible on this issue \n","text":"Company chooses not to provide a public response","context":": US Bank ( XXXX XXXX XXXX, XXXX XXXX, OH XXXX ) opened up a credit card without my consent. \nI have contacted the Bank and they have submitted a request to the Credit Bureau to remove my inquiry. I need the bank to take action as soon as possible on this issue \n : Company chooses not to provide a public response"},{"Question":"The company is calling my work number to collect a debt. \n","text":"Company chooses not to provide a public response","context":": The company is calling my work number to collect a debt. \n : Company chooses not to provide a public response"},{"Question":"AR resources continue to verify a debt that they have yet to validate which is a violation of the FCRA. I ' requesting your assistance is getting this matter resolved fairly and swiftly. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": AR resources continue to verify a debt that they have yet to validate which is a violation of the FCRA. I ' requesting your assistance is getting this matter resolved fairly and swiftly. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"this account is fraudulent i have sent in copies of my id and the police report with it listed i dont know who stole my information and opened this account but this needs to be removed from your files immediately \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": this account is fraudulent i have sent in copies of my id and the police report with it listed i dont know who stole my information and opened this account but this needs to be removed from your files immediately \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"We ca n't get citi mortgage off of our credit report. \n","text":"Company chooses not to provide a public response","context":": We ca n't get citi mortgage off of our credit report. \n : Company chooses not to provide a public response"},{"Question":"I just received my credit report from transunion and it has a list of my past addresses however there are XXXX addresses on there in states that I have never been.Upon further research the XXXX addresses are not businesses but single family homes. \n","text":"Company chooses not to provide a public response","context":": I just received my credit report from transunion and it has a list of my past addresses however there are XXXX addresses on there in states that I have never been.Upon further research the XXXX addresses are not businesses but single family homes. \n : Company chooses not to provide a public response"},{"Question":"This has been removed and keeps popping up with different collection agencies on my credit report. I do not owe this nor have they responded to repeated attempts to validate and prove this is mine. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This has been removed and keeps popping up with different collection agencies on my credit report. I do not owe this nor have they responded to repeated attempts to validate and prove this is mine. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"excessive overdrafts fees {$36.00} and {$100.00}, I am on a fixed income, requested reduction in the amount, bank declined, I have been sick and need to go to several doctors this month, now I can not afford food or to go to doctors \n","text":"Company chooses not to provide a public response","context":": excessive overdrafts fees {$36.00} and {$100.00}, I am on a fixed income, requested reduction in the amount, bank declined, I have been sick and need to go to several doctors this month, now I can not afford food or to go to doctors \n : Company chooses not to provide a public response"},{"Question":"I ca n't get an explanation from Transunion for the recent XXXX point drop in my credit score even though there have been no changes in my file that would cause such a drop. Today I was told that I would have to seek assistance from a credit advisor at my expense. \n","text":"Company chooses not to provide a public response","context":": I ca n't get an explanation from Transunion for the recent XXXX point drop in my credit score even though there have been no changes in my file that would cause such a drop. Today I was told that I would have to seek assistance from a credit advisor at my expense. \n : Company chooses not to provide a public response"},{"Question":"XXXX told me they where running a soft credit report for me get a phone plan with them because they do not have contract accounts and its reported on my credit report as a hard credit inquiry instead of a soft credit inquiry like XXXX stated to me \n","text":"Company chooses not to provide a public response","context":": XXXX told me they where running a soft credit report for me get a phone plan with them because they do not have contract accounts and its reported on my credit report as a hard credit inquiry instead of a soft credit inquiry like XXXX stated to me \n : Company chooses not to provide a public response"},{"Question":"commonwealth finance and XXXX is keep opening old account that is expired and all ways attacking my credit report over expire accounts and same account repeated tell information too XXXX party. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": commonwealth finance and XXXX is keep opening old account that is expired and all ways attacking my credit report over expire accounts and same account repeated tell information too XXXX party. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"It shows on my credit that I have a {$75.00} balance still do to a collection angency. I called that agency and they have notified me this balance was paid in 2012!! Why is it still on my credit report and its affecting my score to get any types of loans. Please help \n","text":"Company chooses not to provide a public response","context":": It shows on my credit that I have a {$75.00} balance still do to a collection angency. I called that agency and they have notified me this balance was paid in 2012!! Why is it still on my credit report and its affecting my score to get any types of loans. Please help \n : Company chooses not to provide a public response"},{"Question":"I visit www.annualcreditreport.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to get it when it timed out with out giving it to me!!! \n","text":"Company chooses not to provide a public response","context":": I visit www.annualcreditreport.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to get it when it timed out with out giving it to me!!! \n : Company chooses not to provide a public response"},{"Question":"ERC keeps trying to collect for a debt supposedly owed to XXXX XXXX. This is not a valid debt. It is an accounting error on XXXX part. It stems from their in store employees wrongfully issuing a separate account when I joined my family 's family plan. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": ERC keeps trying to collect for a debt supposedly owed to XXXX XXXX. This is not a valid debt. It is an accounting error on XXXX part. It stems from their in store employees wrongfully issuing a separate account when I joined my family 's family plan. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This account should it be pay by the loan unemployment insurance and they did n't and end it reported in my credic files \n","text":"Company chooses not to provide a public response","context":": This account should it be pay by the loan unemployment insurance and they did n't and end it reported in my credic files \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX, was allowed to access my credit report on behalf of XXXX XXXX without my permission and apply for a payday loan. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX, was allowed to access my credit report on behalf of XXXX XXXX without my permission and apply for a payday loan. \n : Company chooses not to provide a public response"},{"Question":"I been in XXXX since I was XXXX years old someone been using my name opening bank accounts buying houses cars in etc in I have not been able to get a bank account in have a hard time even cashing my work checks I need help with filing identity theft claim with XXXX \n","text":"Company chooses not to provide a public response","context":": I been in XXXX since I was XXXX years old someone been using my name opening bank accounts buying houses cars in etc in I have not been able to get a bank account in have a hard time even cashing my work checks I need help with filing identity theft claim with XXXX \n : Company chooses not to provide a public response"},{"Question":"Name is incorrect. \n","text":"Company chooses not to provide a public response","context":": Name is incorrect. \n : Company chooses not to provide a public response"},{"Question":"I have 2 Hard Inquiries on Trans Union that I did n't Authorized or Asked for. One is from XXXX XXXX 2015 XXXX PR XXXX ( XXXX ) XXXXAnd the second one is from XXXX XXXX, 2015 from XXXX, PR XXXX ( XXXX ) XXXX \n","text":"Company chooses not to provide a public response","context":": I have 2 Hard Inquiries on Trans Union that I did n't Authorized or Asked for. One is from XXXX XXXX 2015 XXXX PR XXXX ( XXXX ) XXXXAnd the second one is from XXXX XXXX, 2015 from XXXX, PR XXXX ( XXXX ) XXXX \n : Company chooses not to provide a public response"},{"Question":"Company is alleging that my XXXX bill was sent to them for collection and that I owe them {$130.00}. I do not owe XXXX anything as I moved out of the apartment. \n","text":"Company chooses not to provide a public response","context":": Company is alleging that my XXXX bill was sent to them for collection and that I owe them {$130.00}. I do not owe XXXX anything as I moved out of the apartment. \n : Company chooses not to provide a public response"},{"Question":"I paid my bill on Time. They State that i was late on my bill. So they put inaccurate information on my credit report. \n","text":"Company chooses not to provide a public response","context":": I paid my bill on Time. They State that i was late on my bill. So they put inaccurate information on my credit report. \n : Company chooses not to provide a public response"},{"Question":"Experian reports a closed, unknown account XXXX XXXX based from XXXX as a charge-off every month ; effectively re-aging the account as new, every month. I live in XXXX. I disputed the accuracy of the XXXX wireless account and it still is reported charge off every month! \n","text":"Company chooses not to provide a public response","context":": Experian reports a closed, unknown account XXXX XXXX based from XXXX as a charge-off every month ; effectively re-aging the account as new, every month. I live in XXXX. I disputed the accuracy of the XXXX wireless account and it still is reported charge off every month! \n : Company chooses not to provide a public response"},{"Question":"Bank of America has reordered my transactions, from those processing first, to processing a larger amount which came in last, so that I incur XXXX {$35.00} overdraft fees instead of XXXX. This unfortunately is not the first time this has happened. \n","text":"Company chooses not to provide a public response","context":": Bank of America has reordered my transactions, from those processing first, to processing a larger amount which came in last, so that I incur XXXX {$35.00} overdraft fees instead of XXXX. This unfortunately is not the first time this has happened. \n : Company chooses not to provide a public response"},{"Question":"Transunion has let unverifiable information back to my report \n","text":"Company chooses not to provide a public response","context":": Transunion has let unverifiable information back to my report \n : Company chooses not to provide a public response"},{"Question":"My home equity loan is being reported as unpaid, late, and and still open. This account was forgiven by Bank of America due to the lawsuit from the Department of Justice. The account is damaging my credit score drastically and I have sent letters to Bank of America twice. \n","text":"Company chooses not to provide a public response","context":": My home equity loan is being reported as unpaid, late, and and still open. This account was forgiven by Bank of America due to the lawsuit from the Department of Justice. The account is damaging my credit score drastically and I have sent letters to Bank of America twice. \n : Company chooses not to provide a public response"},{"Question":"Transunion : Unable to resolve the dispute via their webpage as they seem to just want to sell me a credit monitoring service.. \n","text":"Company chooses not to provide a public response","context":": Transunion : Unable to resolve the dispute via their webpage as they seem to just want to sell me a credit monitoring service.. \n : Company chooses not to provide a public response"},{"Question":"Addresses and most of the accounts are not mine. \n","text":"Company chooses not to provide a public response","context":": Addresses and most of the accounts are not mine. \n : Company chooses not to provide a public response"},{"Question":"XXXX sold the credit card account then I paid it off and they are listing it as open and are refusing to talk to me or even contact the company that purchased it \n","text":"Company chooses not to provide a public response","context":": XXXX sold the credit card account then I paid it off and they are listing it as open and are refusing to talk to me or even contact the company that purchased it \n : Company chooses not to provide a public response"},{"Question":"Stonegate Mortgage increase by {$300.00} a month without warning \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Stonegate Mortgage increase by {$300.00} a month without warning \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"You have Ally bank listed twice on XXXX\/XXXX\/2015. I authorized 1 credit check, you do n't get to count it twice \n","text":"Company chooses not to provide a public response","context":": You have Ally bank listed twice on XXXX\/XXXX\/2015. I authorized 1 credit check, you do n't get to count it twice \n : Company chooses not to provide a public response"},{"Question":"A mortgage servicing is inaccurately reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": A mortgage servicing is inaccurately reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"You have XXXX XXXX listed twice on XXXX\/XXXX\/15 ... you penalize me for inquiries and the count them twice \n","text":"Company chooses not to provide a public response","context":": You have XXXX XXXX listed twice on XXXX\/XXXX\/15 ... you penalize me for inquiries and the count them twice \n : Company chooses not to provide a public response"},{"Question":"I am being billed by Home Depot for order # XXXX, which was cancelled and never received. I am attaching some of my correspondence to Home Depot disputing this and asking for a full credit to be issued to account # XXXX, which they have not answered. \n","text":"Company chooses not to provide a public response","context":": I am being billed by Home Depot for order # XXXX, which was cancelled and never received. I am attaching some of my correspondence to Home Depot disputing this and asking for a full credit to be issued to account # XXXX, which they have not answered. \n : Company chooses not to provide a public response"},{"Question":"Someone used my SS # to open a account with XXXX XX\/XX\/XXXX. They charged {$2200.00}. They have been notified, they were sent a police report and a picture of My ID They do not remove it from my credit report. \n\nXXXX XXXX \n","text":"Company chooses not to provide a public response","context":": Someone used my SS # to open a account with XXXX XX\/XX\/XXXX. They charged {$2200.00}. They have been notified, they were sent a police report and a picture of My ID They do not remove it from my credit report. \n\nXXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"i had a business and it went bankrupt. I was sued and settled the debt and received a release, which was filed with the courts. The credit bureaus will not remove the judgement. \n","text":"Company chooses not to provide a public response","context":": i had a business and it went bankrupt. I was sued and settled the debt and received a release, which was filed with the courts. The credit bureaus will not remove the judgement. \n : Company chooses not to provide a public response"},{"Question":"Credit reporting company score not calculated due to report of deceased status my father is deceased XXXX XXXX XXXX XXXX not XXXX \n","text":"Company chooses not to provide a public response","context":": Credit reporting company score not calculated due to report of deceased status my father is deceased XXXX XXXX XXXX XXXX not XXXX \n : Company chooses not to provide a public response"},{"Question":"There is an account appearing on my credit report that is a corporate account ; Applied Bank. I 've stated on numerous occasions that this should not be reporting on my personal credit report and they will not remove the account from my report. \n","text":"Company chooses not to provide a public response","context":": There is an account appearing on my credit report that is a corporate account ; Applied Bank. I 've stated on numerous occasions that this should not be reporting on my personal credit report and they will not remove the account from my report. \n : Company chooses not to provide a public response"},{"Question":"They claim I withdrew my credit application. I never withdrew the application \n","text":"Company chooses not to provide a public response","context":": They claim I withdrew my credit application. I never withdrew the application \n : Company chooses not to provide a public response"},{"Question":"I am in chapter XXXX bankruptcy in MN - bky XXXX. The office of Messerli & Kramer and XXXX XXXX received a judgement in their favor and are now attempting to garnish my wages, which is n't allowed under the automatic stay rules of chapter XXXX. The case is XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am in chapter XXXX bankruptcy in MN - bky XXXX. The office of Messerli & Kramer and XXXX XXXX received a judgement in their favor and are now attempting to garnish my wages, which is n't allowed under the automatic stay rules of chapter XXXX. The case is XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I disputed an unauthorized transaction in my account and the bank refuses to issue a provisional credit why they are investigating. They told me I have to wait 60 days. \n","text":"Company chooses not to provide a public response","context":": I disputed an unauthorized transaction in my account and the bank refuses to issue a provisional credit why they are investigating. They told me I have to wait 60 days. \n : Company chooses not to provide a public response"},{"Question":"XXXX is reporting I haveSERIOUSLY DELINQUENT ACCOUNTS -- FALSE STATEMENT \n","text":"Company chooses not to provide a public response","context":": XXXX is reporting I haveSERIOUSLY DELINQUENT ACCOUNTS -- FALSE STATEMENT \n : Company chooses not to provide a public response"},{"Question":"I faund XXXX inquiries that I mever ask forXXXX XXXX FI on XXXX XXXX XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I faund XXXX inquiries that I mever ask forXXXX XXXX FI on XXXX XXXX XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"My husband and I only missed XXXX payment with Snaac. And we received on XXXX XXXX that was dated on XXXX XXXX saying if we do n't pay by XXXX XXXX they will take our car. We are on a fix income. We told that we only get payed once month. \n","text":"Company chooses not to provide a public response","context":": My husband and I only missed XXXX payment with Snaac. And we received on XXXX XXXX that was dated on XXXX XXXX saying if we do n't pay by XXXX XXXX they will take our car. We are on a fix income. We told that we only get payed once month. \n : Company chooses not to provide a public response"},{"Question":"Ditech is trying force me to buy their homeowners insurance. I have sent them proof of insurance a number of times and they keep sending letters threatening to foreclose if i do n't pay for united insurance \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Ditech is trying force me to buy their homeowners insurance. I have sent them proof of insurance a number of times and they keep sending letters threatening to foreclose if i do n't pay for united insurance \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Creditor is not accurately reporting a mortgage debt to the credit report \n","text":"Company chooses not to provide a public response","context":": Creditor is not accurately reporting a mortgage debt to the credit report \n : Company chooses not to provide a public response"},{"Question":"items that was deleted due to proven identity theft have been reinserted onto my credit report for the second time after being transferred back and fourth betweent he same XXXX companies. i also asked in writing for fraud alerts to be removed and they never removed them \n","text":"Company chooses not to provide a public response","context":": items that was deleted due to proven identity theft have been reinserted onto my credit report for the second time after being transferred back and fourth betweent he same XXXX companies. i also asked in writing for fraud alerts to be removed and they never removed them \n : Company chooses not to provide a public response"},{"Question":"Am being sued. No prior notification or proof of debt \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Am being sued. No prior notification or proof of debt \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is an account that displays incorrect information due to identity theft. I submitted an Identity Theft Affidavit to have the information blocked and this has not happened and is negatively impacting my credit. \n","text":"Company chooses not to provide a public response","context":": There is an account that displays incorrect information due to identity theft. I submitted an Identity Theft Affidavit to have the information blocked and this has not happened and is negatively impacting my credit. \n : Company chooses not to provide a public response"},{"Question":"This account XXXX has shown up on my credit report after no response to my request for more information on the validity of this debt amount, date of original delinquency, or any information indicating that this is mine. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This account XXXX has shown up on my credit report after no response to my request for more information on the validity of this debt amount, date of original delinquency, or any information indicating that this is mine. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Account Name Original Creditor Open Date Status BalanceXXXX-XXXX XXXX XXXX XXXX XXXX XXXX, 2011 Open $ XXXXType Description Additional InformationOwnership I have no knowledge of this account. N\/AXXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": Account Name Original Creditor Open Date Status BalanceXXXX-XXXX XXXX XXXX XXXX XXXX XXXX, 2011 Open $ XXXXType Description Additional InformationOwnership I have no knowledge of this account. N\/AXXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"XX\/XX\/2012 I was taken against my will and authorization to a XXXX hospital to the XXXX and was not able to leave for 3 weeks, XXXX County Sheriff had me placed there. For no reason. I am not paying for this bill, in fact I have a lawsuit against XXXX County Sheriff and the Hospital. \n","text":"Company chooses not to provide a public response","context":": XX\/XX\/2012 I was taken against my will and authorization to a XXXX hospital to the XXXX and was not able to leave for 3 weeks, XXXX County Sheriff had me placed there. For no reason. I am not paying for this bill, in fact I have a lawsuit against XXXX County Sheriff and the Hospital. \n : Company chooses not to provide a public response"},{"Question":"Collection agency charging interst rate on judgement \n","text":"Company chooses not to provide a public response","context":": Collection agency charging interst rate on judgement \n : Company chooses not to provide a public response"},{"Question":"I am XXXX customer and having a hard time to contact the customer service via a relay service several times, but they keep hanging up at me because of a relay service. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am XXXX customer and having a hard time to contact the customer service via a relay service several times, but they keep hanging up at me because of a relay service. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I filed a compliant XXXX XXXX pertaining to an account in question ending XXXX. I received a phone call tried to call back that customer service number and extension. I would appreciate to be contacted by phone and or mail, with Bank of America. \n","text":"Company chooses not to provide a public response","context":": I filed a compliant XXXX XXXX pertaining to an account in question ending XXXX. I received a phone call tried to call back that customer service number and extension. I would appreciate to be contacted by phone and or mail, with Bank of America. \n : Company chooses not to provide a public response"},{"Question":"They are contacting me regarding my deceased Sister-in-Law of which I have no financial obligation to pay her debt \n","text":"Company can't verify or dispute the facts in the complaint","context":": They are contacting me regarding my deceased Sister-in-Law of which I have no financial obligation to pay her debt \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Visa gift card scam. \n","text":"Company chooses not to provide a public response","context":": Visa gift card scam. \n : Company chooses not to provide a public response"},{"Question":"I did not request credit from XXXX. \n","text":"Company chooses not to provide a public response","context":": I did not request credit from XXXX. \n : Company chooses not to provide a public response"},{"Question":"Loan was sold or transferred to Statebridge Mortgage. \nThey are not providing accurate information about account. \nShows I owe for two months when I have paid every month for 5yrs. \n","text":"Company chooses not to provide a public response","context":": Loan was sold or transferred to Statebridge Mortgage. \nThey are not providing accurate information about account. \nShows I owe for two months when I have paid every month for 5yrs. \n : Company chooses not to provide a public response"},{"Question":"Inaccurate information still remains of my Credit Report. \n","text":"Company chooses not to provide a public response","context":": Inaccurate information still remains of my Credit Report. \n : Company chooses not to provide a public response"},{"Question":"my credit report lists a lien, concerning which I have no knowledge. \nI was not aware this was on my report until I recently checked updated credit reports from allXXXX agencies. \n","text":"Company chooses not to provide a public response","context":": my credit report lists a lien, concerning which I have no knowledge. \nI was not aware this was on my report until I recently checked updated credit reports from allXXXX agencies. \n : Company chooses not to provide a public response"},{"Question":"Trans Union reports from XXXX to hard inquiry 's on the same day that I did not ask for I did n't ask for a credit increase or a credit card they should not have done one at all thanks XXXX \n","text":"Company chooses not to provide a public response","context":": Trans Union reports from XXXX to hard inquiry 's on the same day that I did not ask for I did n't ask for a credit increase or a credit card they should not have done one at all thanks XXXX \n : Company chooses not to provide a public response"},{"Question":"I write Transunion in XXXX and tell them no dispute for XXXX accounts XXXX and XXXX. But my mortgage person tell me they still in dispute. I NO DISPUTE. Please change this! \n","text":"Company chooses not to provide a public response","context":": I write Transunion in XXXX and tell them no dispute for XXXX accounts XXXX and XXXX. But my mortgage person tell me they still in dispute. I NO DISPUTE. Please change this! \n : Company chooses not to provide a public response"},{"Question":"I write and question some things on me credit report. They fix some. But now I try to get mortgage for house and they leave some things in dispute. Experian needs to fix this. I never say I dispute. I agree with what they tell me. So no dispute for:1. XXXX # XXXX. XXXX # XXXX \n","text":"Company chooses not to provide a public response","context":": I write and question some things on me credit report. They fix some. But now I try to get mortgage for house and they leave some things in dispute. Experian needs to fix this. I never say I dispute. I agree with what they tell me. So no dispute for:1. XXXX # XXXX. XXXX # XXXX \n : Company chooses not to provide a public response"},{"Question":"They keep calling me, however when I answer no one speaks and after about 10 seconds it will disconnect the call. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They keep calling me, however when I answer no one speaks and after about 10 seconds it will disconnect the call. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This is a medical bill that was taken care of XXXX and they ( XXXX ) are charging me again!!! \nIt should not be on here. \nThanksXXXX \n","text":"Company chooses not to provide a public response","context":": This is a medical bill that was taken care of XXXX and they ( XXXX ) are charging me again!!! \nIt should not be on here. \nThanksXXXX \n : Company chooses not to provide a public response"},{"Question":"I was denied credit for a XXXX card and would like to request a free copy of my business credit report from Experian. I have attached a letter of denial from XXXX, which should entitle me to a free copy. Thank you. \n","text":"Company chooses not to provide a public response","context":": I was denied credit for a XXXX card and would like to request a free copy of my business credit report from Experian. I have attached a letter of denial from XXXX, which should entitle me to a free copy. Thank you. \n : Company chooses not to provide a public response"},{"Question":"I have been receiving numerous robo phone messages from VAN RUE CREDIT CORP at XXXX for months. These repeated voice messages clog my ability to retrieve regular phone messages. I have good credit and have never been notified of any outstanding debt. They should stop immediately. \n","text":"Company chooses not to provide a public response","context":": I have been receiving numerous robo phone messages from VAN RUE CREDIT CORP at XXXX for months. These repeated voice messages clog my ability to retrieve regular phone messages. I have good credit and have never been notified of any outstanding debt. They should stop immediately. \n : Company chooses not to provide a public response"},{"Question":"360 Mortgage has not complied with VA standards on my VA home loan. I have submitted a new forbearance package for approval or a modification to my loan if need be. All documents have been submitted and my VA loan tech has been notified. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": 360 Mortgage has not complied with VA standards on my VA home loan. I have submitted a new forbearance package for approval or a modification to my loan if need be. All documents have been submitted and my VA loan tech has been notified. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There are several different addresses for one address that I lived at and there is also an address that is not mine. My spouse\/co-applicant is incorrect. \n","text":"Company chooses not to provide a public response","context":": There are several different addresses for one address that I lived at and there is also an address that is not mine. My spouse\/co-applicant is incorrect. \n : Company chooses not to provide a public response"},{"Question":"I gave alliance collection a letter on XXXX XXXX, 2015 and gave them 30 days to prove all the debts were valid and mine. They failed to meet this request. Thus I 'm asking that all my negative marks be removed from my credit bureaus immediately. \n","text":"Company chooses not to provide a public response","context":": I gave alliance collection a letter on XXXX XXXX, 2015 and gave them 30 days to prove all the debts were valid and mine. They failed to meet this request. Thus I 'm asking that all my negative marks be removed from my credit bureaus immediately. \n : Company chooses not to provide a public response"},{"Question":"We pay our margage to Wells Fargo every month ' it is not showing up in out depts \n","text":"Company chooses not to provide a public response","context":": We pay our margage to Wells Fargo every month ' it is not showing up in out depts \n : Company chooses not to provide a public response"},{"Question":"I went to make a payment online and their website had been updated 2 weeks ago now I ca n't access and make my payment online. I called them and they said that since I closed the account a while back that now I ca n't get access to the account online and must mail or pay by phone. \n","text":"Company chooses not to provide a public response","context":": I went to make a payment online and their website had been updated 2 weeks ago now I ca n't access and make my payment online. I called them and they said that since I closed the account a while back that now I ca n't get access to the account online and must mail or pay by phone. \n : Company chooses not to provide a public response"},{"Question":"While shopping for a loan for a refi, potential lender pulled my credit without permission or authorization. At no time during the conversation was I asked if I authorized a credit pull. \n","text":"Company chooses not to provide a public response","context":": While shopping for a loan for a refi, potential lender pulled my credit without permission or authorization. At no time during the conversation was I asked if I authorized a credit pull. \n : Company chooses not to provide a public response"},{"Question":"I got hurt at work XXXX in XXXX 2015. I went to XXXX hospital. I filled out all of the workers comp paperwork while at the hospital and also gave copies to my employer at the time. I am not responsible for these bills and they keep calling and harassing me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I got hurt at work XXXX in XXXX 2015. I went to XXXX hospital. I filled out all of the workers comp paperwork while at the hospital and also gave copies to my employer at the time. I am not responsible for these bills and they keep calling and harassing me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am submitting a compliant. I have been at my resident for about 20years and is still being accused of owing you way over the amount due. I am requesting that I be cleared from this debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am submitting a compliant. I have been at my resident for about 20years and is still being accused of owing you way over the amount due. I am requesting that I be cleared from this debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have been a victim of fraud, I will attach the police report. Currently I see a collection on behalf of XXXX XXXX. I never had any account with them. This is fraudulent. \n","text":"Company chooses not to provide a public response","context":": I have been a victim of fraud, I will attach the police report. Currently I see a collection on behalf of XXXX XXXX. I never had any account with them. This is fraudulent. \n : Company chooses not to provide a public response"},{"Question":"My credit report is saying that I have XXXX accounts and I only have XXXX accounts opened and they say I have XXXX accounts opened. The report also says that I have XXXX derogatory remark and I do not know who it is from or how to fix the issue. \n","text":"Company chooses not to provide a public response","context":": My credit report is saying that I have XXXX accounts and I only have XXXX accounts opened and they say I have XXXX accounts opened. The report also says that I have XXXX derogatory remark and I do not know who it is from or how to fix the issue. \n : Company chooses not to provide a public response"},{"Question":"citi in their respone alleged there were XXXX citi accounts ... \n\ni did not have XXXX accountsplease provide any proof of fully executed contracts or agreements regarding your remarks \n","text":"Company chooses not to provide a public response","context":": citi in their respone alleged there were XXXX citi accounts ... \n\ni did not have XXXX accountsplease provide any proof of fully executed contracts or agreements regarding your remarks \n : Company chooses not to provide a public response"},{"Question":"There is a hard inquiry on my credit report th at I did make \n","text":"Company chooses not to provide a public response","context":": There is a hard inquiry on my credit report th at I did make \n : Company chooses not to provide a public response"},{"Question":"One main put a hard inquiry on my credit report that I didno consent to \n","text":"Company chooses not to provide a public response","context":": One main put a hard inquiry on my credit report that I didno consent to \n : Company chooses not to provide a public response"},{"Question":"My ex wife used my social security number and obtained a credit card in my name, while XXXX and its affecting my credit score \n","text":"Company chooses not to provide a public response","context":": My ex wife used my social security number and obtained a credit card in my name, while XXXX and its affecting my credit score \n : Company chooses not to provide a public response"},{"Question":"My XXXX credit report is showing a charged off account with Citicards CBNA. I have never had a credit card with this company and I know nothing about this account. \n","text":"Company chooses not to provide a public response","context":": My XXXX credit report is showing a charged off account with Citicards CBNA. I have never had a credit card with this company and I know nothing about this account. \n : Company chooses not to provide a public response"},{"Question":"I do n't work and I 'm on XXXX they already know this and they are not allowed my law to threaten to put a lien on my accounts \n","text":"Company chooses not to provide a public response","context":": I do n't work and I 'm on XXXX they already know this and they are not allowed my law to threaten to put a lien on my accounts \n : Company chooses not to provide a public response"},{"Question":"I have told them to stop calling my work phone # and they continue to call it more than once a day. \n","text":"Company chooses not to provide a public response","context":": I have told them to stop calling my work phone # and they continue to call it more than once a day. \n : Company chooses not to provide a public response"},{"Question":"UNAUTHORIZED INQUIRY INTO MY FILE. \nNOT PROVIDING FACTUAL RECORD. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": UNAUTHORIZED INQUIRY INTO MY FILE. \nNOT PROVIDING FACTUAL RECORD. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have requested several times to have PMI removed off of this loan. My LTV is below the requirement and they refuse to remove. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have requested several times to have PMI removed off of this loan. My LTV is below the requirement and they refuse to remove. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have never been contacted by this company for payment dueThis amount owed has affected my background check which will not allow me obtain employment \n","text":"Company chooses not to provide a public response","context":": I have never been contacted by this company for payment dueThis amount owed has affected my background check which will not allow me obtain employment \n : Company chooses not to provide a public response"},{"Question":"I had a billing dispute with a survey company that ended in Small Claims Court. The judgement was settled and satisfied on XXXX\/XXXX\/2009 by The Hon. XXXX XXXX XXXX ( case # XXXX ), XXXX XXXX, KY, XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": I had a billing dispute with a survey company that ended in Small Claims Court. The judgement was settled and satisfied on XXXX\/XXXX\/2009 by The Hon. XXXX XXXX XXXX ( case # XXXX ), XXXX XXXX, KY, XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"i keep getting calls from premier portfolio group about a bogus debt i want these scammer to quit calling me now \n","text":"Company believes the complaint is the result of a misunderstanding","context":": i keep getting calls from premier portfolio group about a bogus debt i want these scammer to quit calling me now \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"This company has charged me {$38.00} late fees XXXX times. \n","text":"Company chooses not to provide a public response","context":": This company has charged me {$38.00} late fees XXXX times. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015. \n : Company chooses not to provide a public response"},{"Question":"There is an apparent personal loan on my report that is not mine. \nXXXX XXXX {$3600.00} \n","text":"Company chooses not to provide a public response","context":": There is an apparent personal loan on my report that is not mine. \nXXXX XXXX {$3600.00} \n : Company chooses not to provide a public response"},{"Question":"Upon applying for a credit card I found that I was denied for a deliquent account. I looked up my annual credit report and found the supposed debt. The debt is absolutely not mine and I in no way opened the account listed. It is completely fraudulent. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Upon applying for a credit card I found that I was denied for a deliquent account. I looked up my annual credit report and found the supposed debt. The debt is absolutely not mine and I in no way opened the account listed. It is completely fraudulent. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"There was fraud on my account which was unauthorized and my bank will not provide me with a refund. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": There was fraud on my account which was unauthorized and my bank will not provide me with a refund. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have never had a late payment and Wells Fargo is showing multiple late payments. As well, they are not reflecting the correct balance of my loan. I have asked multiple times customer service to correct this information and they have done nothing. \n","text":"Company chooses not to provide a public response","context":": I have never had a late payment and Wells Fargo is showing multiple late payments. As well, they are not reflecting the correct balance of my loan. I have asked multiple times customer service to correct this information and they have done nothing. \n : Company chooses not to provide a public response"},{"Question":"Bank of America is not applying my payments that are over the minimum required payment to the highest rate balances. \n","text":"Company chooses not to provide a public response","context":": Bank of America is not applying my payments that are over the minimum required payment to the highest rate balances. \n : Company chooses not to provide a public response"},{"Question":"There were XXXX payments made for XX\/XX\/XXXX. A wells fargo rep said she did the paperwork to skip XX\/XX\/XXXX 's payment. I just checked and they auto-withdrew from my account for XX\/XX\/XXXX and I was counting on having that money. \n","text":"Company chooses not to provide a public response","context":": There were XXXX payments made for XX\/XX\/XXXX. A wells fargo rep said she did the paperwork to skip XX\/XX\/XXXX 's payment. I just checked and they auto-withdrew from my account for XX\/XX\/XXXX and I was counting on having that money. \n : Company chooses not to provide a public response"},{"Question":"XXXX keep send different debt collection after me, I 'm a victim of identity theft I already send out paperwork to them befor and still contacting me about this. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX keep send different debt collection after me, I 'm a victim of identity theft I already send out paperwork to them befor and still contacting me about this. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"In my credit report, under the section '' Employment Data Reported '' indicated i had worked for XXXX '' and \" XXXX '', but i never worked for these XXXX companies, and i am afraid someone else use my identities to work for them. \n","text":"Company chooses not to provide a public response","context":": In my credit report, under the section '' Employment Data Reported '' indicated i had worked for XXXX '' and \" XXXX '', but i never worked for these XXXX companies, and i am afraid someone else use my identities to work for them. \n : Company chooses not to provide a public response"},{"Question":"The company is Chess systems I 'm being denied to open bank accounts, credit cards this is. Blocking m. Credit all around. Pls contact me XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": The company is Chess systems I 'm being denied to open bank accounts, credit cards this is. Blocking m. Credit all around. Pls contact me XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"This is the third complaint regarding ATG. Yesterday I received in the mail a collection letter after XXXX XXXX XXXX sent a cease and deist letter. What part of cease and deist is n't understood? \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This is the third complaint regarding ATG. Yesterday I received in the mail a collection letter after XXXX XXXX XXXX sent a cease and deist letter. What part of cease and deist is n't understood? \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Company has not validated debt at my request but still reports the debt to the XXXX major credit reporting companies. This violates 809 ( b ) of the FDCPA. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Company has not validated debt at my request but still reports the debt to the XXXX major credit reporting companies. This violates 809 ( b ) of the FDCPA. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX address shows on my credit report I never live there \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX address shows on my credit report I never live there \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I am getting the run around with mortgage settlement. I do not know where I stand because I am no longer receiving a mortgage statement. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am getting the run around with mortgage settlement. I do not know where I stand because I am no longer receiving a mortgage statement. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The agency continue to report I owe XXXX for cosigning on a loan. I never cosigned for anyone and the agency continues to file false information. I have not signed anything to cosign for anyone. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The agency continue to report I owe XXXX for cosigning on a loan. I never cosigned for anyone and the agency continues to file false information. I have not signed anything to cosign for anyone. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"BOA has not closed my account after multiple requests and continues to charge fees. Currently they have charged {$1.00} as a \" minimum payment due. \n","text":"Company chooses not to provide a public response","context":": BOA has not closed my account after multiple requests and continues to charge fees. Currently they have charged {$1.00} as a \" minimum payment due. \n : Company chooses not to provide a public response"},{"Question":"I originally mailed my dispute letter to Trans Union on XXXX XXXX, 2015 and followed up with another letter on XXXX XXXX, 2015 and till this date i have not received a response. \n","text":"Company chooses not to provide a public response","context":": I originally mailed my dispute letter to Trans Union on XXXX XXXX, 2015 and followed up with another letter on XXXX XXXX, 2015 and till this date i have not received a response. \n : Company chooses not to provide a public response"},{"Question":"A company called \" Focus Receivables '' calls our office twice a day, every day. No one responds but looking them up online, they are a fake debt collection agency. \n","text":"Company can't verify or dispute the facts in the complaint","context":": A company called \" Focus Receivables '' calls our office twice a day, every day. No one responds but looking them up online, they are a fake debt collection agency. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"The agency continues to attempt to collect a debt that is not mines. I have not cosigned for any loan and had a fraud alert on my credit for the past two years. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The agency continues to attempt to collect a debt that is not mines. I have not cosigned for any loan and had a fraud alert on my credit for the past two years. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My husband and I went to a couple car lots and told them to only run my credit with XXXX credit with XXXX creditors only. They ran it through XXXX. I DID NOT authorize that. \n","text":"Company chooses not to provide a public response","context":": My husband and I went to a couple car lots and told them to only run my credit with XXXX credit with XXXX creditors only. They ran it through XXXX. I DID NOT authorize that. \n : Company chooses not to provide a public response"},{"Question":"I have spoken to this company several times and in XXXX 2009 XXXX I also find this odd that a complaint of 2009 which was 7 years ago would just now hit my credit. I explained to them that I could not have been in to places at the same time. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I have spoken to this company several times and in XXXX 2009 XXXX I also find this odd that a complaint of 2009 which was 7 years ago would just now hit my credit. I explained to them that I could not have been in to places at the same time. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"defrauded out of XXXX bywire transfer fraud\/ scam. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": defrauded out of XXXX bywire transfer fraud\/ scam. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Report from EXPERIAN showed old ADDRESSES of supposedly where I have lived. XXXX addresses are unknown and not associated with me. Do n't know why these are shown, or if it reflects some misbehavior. \n","text":"Company chooses not to provide a public response","context":": Report from EXPERIAN showed old ADDRESSES of supposedly where I have lived. XXXX addresses are unknown and not associated with me. Do n't know why these are shown, or if it reflects some misbehavior. \n : Company chooses not to provide a public response"},{"Question":"This is the 3rd time that experian has complete refuse to erase wrong information. \n","text":"Company chooses not to provide a public response","context":": This is the 3rd time that experian has complete refuse to erase wrong information. \n : Company chooses not to provide a public response"},{"Question":"On XX\/XX\/2015 I sent a letter questioning several accounts on my credit report. I have waited well past the 30 days they have to respond. I have received nothing in response. today is XX\/XX\/2015. \n","text":"Company chooses not to provide a public response","context":": On XX\/XX\/2015 I sent a letter questioning several accounts on my credit report. I have waited well past the 30 days they have to respond. I have received nothing in response. today is XX\/XX\/2015. \n : Company chooses not to provide a public response"},{"Question":"I have a hard credit inquiry on my credit from XXXX. I found out it is from XXXX. I never applied for a card and this is causing a negative effect on my credit. What do I do to have it removed. \n","text":"Company chooses not to provide a public response","context":": I have a hard credit inquiry on my credit from XXXX. I found out it is from XXXX. I never applied for a card and this is causing a negative effect on my credit. What do I do to have it removed. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX This account was deleted off my credit file in XXXX. See attached proof from the bureaus. This account has been paid and closed. I do not understand why it is reporting again on my credit file again. Delete this account off my credit file immediately!! \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX This account was deleted off my credit file in XXXX. See attached proof from the bureaus. This account has been paid and closed. I do not understand why it is reporting again on my credit file again. Delete this account off my credit file immediately!! \n : Company chooses not to provide a public response"},{"Question":"constant calling and threatingin \n","text":"Company chooses not to provide a public response","context":": constant calling and threatingin \n : Company chooses not to provide a public response"},{"Question":"found an error of being late on my account in the report put out by Experian. Contacted XXXX on this account and verified with them that I have not been late with a payment. \n","text":"Company chooses not to provide a public response","context":": found an error of being late on my account in the report put out by Experian. Contacted XXXX on this account and verified with them that I have not been late with a payment. \n : Company chooses not to provide a public response"},{"Question":"ENHANCED RECOVERY COMPANXXXX XXXX XXXX, XXXX ( XXXX ) XXXX age of account I do not owe shows XXXX XXXX 2014. The company lies on my credit report and when I contacted them they said they will move this to XXXX XXXX XXXX Please see attached copy of the report. \n","text":"Company believes complaint is the result of an isolated error","context":": ENHANCED RECOVERY COMPANXXXX XXXX XXXX, XXXX ( XXXX ) XXXX age of account I do not owe shows XXXX XXXX 2014. The company lies on my credit report and when I contacted them they said they will move this to XXXX XXXX XXXX Please see attached copy of the report. \n : Company believes complaint is the result of an isolated error"},{"Question":"The credit company contacted my Team Lead at my job looking for me and they wanted information about me. \n","text":"Company chooses not to provide a public response","context":": The credit company contacted my Team Lead at my job looking for me and they wanted information about me. \n : Company chooses not to provide a public response"},{"Question":"ON XXXX\/XXXX\/2014 BARCLAYCARD MADE HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT AND I HAVE WROTE THEM TO GET IT REMOVED BUT THEY HAVE FAILED TO DO SO \n","text":"Company chooses not to provide a public response","context":": ON XXXX\/XXXX\/2014 BARCLAYCARD MADE HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT AND I HAVE WROTE THEM TO GET IT REMOVED BUT THEY HAVE FAILED TO DO SO \n : Company chooses not to provide a public response"},{"Question":"putting improper information on my credit report that is not trues. I ask them to provide me documentation. they said they have to look for it been waiting for months never given. \n","text":"Company chooses not to provide a public response","context":": putting improper information on my credit report that is not trues. I ask them to provide me documentation. they said they have to look for it been waiting for months never given. \n : Company chooses not to provide a public response"},{"Question":"This number called and did n't say anything. So I called back and asked for social security number. I asked what it was for and she told me company name is XXXX. I let her know I did n't know them and what was this about. She then transfers to Virginia. Got voice mail. \n","text":"Company chooses not to provide a public response","context":": This number called and did n't say anything. So I called back and asked for social security number. I asked what it was for and she told me company name is XXXX. I let her know I did n't know them and what was this about. She then transfers to Virginia. Got voice mail. \n : Company chooses not to provide a public response"},{"Question":"Someone is in my account \n","text":"Company chooses not to provide a public response","context":": Someone is in my account \n : Company chooses not to provide a public response"},{"Question":"Someone has a home loan in my name and some credit as well \n","text":"Company chooses not to provide a public response","context":": Someone has a home loan in my name and some credit as well \n : Company chooses not to provide a public response"},{"Question":"This company called me on the company work landline phone, during work hours when there were customers on the sales floor, demanding I let them speak to my supervisor so that he could garnish my wages, without a judgement. He was rude and I felt bullied by him. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This company called me on the company work landline phone, during work hours when there were customers on the sales floor, demanding I let them speak to my supervisor so that he could garnish my wages, without a judgement. He was rude and I felt bullied by him. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"this complain would be the XXXX time that I have ask Transition to investigate late payments in my report and all I get in return is they need more information. \n","text":"Company chooses not to provide a public response","context":": this complain would be the XXXX time that I have ask Transition to investigate late payments in my report and all I get in return is they need more information. \n : Company chooses not to provide a public response"},{"Question":"They have my personal cellphone which they call repeatedly. However they called me at work and went through my dispatch system which is unacceptable. My personal issues are my own and they have no right contacting me at my job to purse any type of collection. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They have my personal cellphone which they call repeatedly. However they called me at work and went through my dispatch system which is unacceptable. My personal issues are my own and they have no right contacting me at my job to purse any type of collection. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I had request a verification of the debt and the creditor has not done so. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I had request a verification of the debt and the creditor has not done so. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have asked XXXX to investigate late payments showing in my report, and the only thing that I get as a response is that they can not honor my dispute for lack of information when I have send out XXXX dipute letter specifically requesting to investigate the accounts. \n","text":"Company chooses not to provide a public response","context":": I have asked XXXX to investigate late payments showing in my report, and the only thing that I get as a response is that they can not honor my dispute for lack of information when I have send out XXXX dipute letter specifically requesting to investigate the accounts. \n : Company chooses not to provide a public response"},{"Question":"I have been on the opt-out prescreen list for over 10 years, and I just got a \" prescreened '' offer from MyBestEgg. Since they are not obeying the prescreened offer opt-out, they need to be penalized. \n","text":"Company chooses not to provide a public response","context":": I have been on the opt-out prescreen list for over 10 years, and I just got a \" prescreened '' offer from MyBestEgg. Since they are not obeying the prescreened offer opt-out, they need to be penalized. \n : Company chooses not to provide a public response"},{"Question":"The below company was not authorized to run a XXXX credit check. XXXX & XXXX, PA XXXX ( XXXX ) XXXXMy report also has a \" XXXX '' behind My name and I have already asked that be removed. \n","text":"Company chooses not to provide a public response","context":": The below company was not authorized to run a XXXX credit check. XXXX & XXXX, PA XXXX ( XXXX ) XXXXMy report also has a \" XXXX '' behind My name and I have already asked that be removed. \n : Company chooses not to provide a public response"},{"Question":"I paid for a FICO score with Experian for XXXX dollar. They did n't give me a my score, because they said I was un-score able. I ask for my dollar refund and they said no refunds. I said your advertisement do n't mention if you were un-score able there are no re-funds. \n","text":"Company chooses not to provide a public response","context":": I paid for a FICO score with Experian for XXXX dollar. They did n't give me a my score, because they said I was un-score able. I ask for my dollar refund and they said no refunds. I said your advertisement do n't mention if you were un-score able there are no re-funds. \n : Company chooses not to provide a public response"},{"Question":"TransUnion refused to provide a copy of my credit report. The need more data - Like : a bank statement, copy of a SS card, copy of a birth certificate and on and on. XXXX did send a report, the data I supplied was good enough for them. \n","text":"Company chooses not to provide a public response","context":": TransUnion refused to provide a copy of my credit report. The need more data - Like : a bank statement, copy of a SS card, copy of a birth certificate and on and on. XXXX did send a report, the data I supplied was good enough for them. \n : Company chooses not to provide a public response"},{"Question":"This claim should have been file under my XXXX insurance and I had have never received no notice of Collection this must be removed from my credit file since the collection company failed to reach me or contacted me \n","text":"Company can't verify or dispute the facts in the complaint","context":": This claim should have been file under my XXXX insurance and I had have never received no notice of Collection this must be removed from my credit file since the collection company failed to reach me or contacted me \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I requested my credit score\/history, and company could not find any credit history. They kept sending the same forms saying I was n't providing the proper information or wrong information. \n","text":"Company chooses not to provide a public response","context":": I requested my credit score\/history, and company could not find any credit history. They kept sending the same forms saying I was n't providing the proper information or wrong information. \n : Company chooses not to provide a public response"},{"Question":"Judgement showing on my credit report was never recorded and was paid to the original credit before filed. I have disputed 3 times through bureaus and they keep verifying it but the record is wrong. The judgement was never filed and should be completely removed from my credit report. \n","text":"Company chooses not to provide a public response","context":": Judgement showing on my credit report was never recorded and was paid to the original credit before filed. I have disputed 3 times through bureaus and they keep verifying it but the record is wrong. The judgement was never filed and should be completely removed from my credit report. \n : Company chooses not to provide a public response"},{"Question":"I had an Loan with cash call and paid them way more like 3 times the loan and they harass me \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I had an Loan with cash call and paid them way more like 3 times the loan and they harass me \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 5 months before closure and now I can not reap the rewards of this annual-fee credit card. \n","text":"Company chooses not to provide a public response","context":": Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 5 months before closure and now I can not reap the rewards of this annual-fee credit card. \n : Company chooses not to provide a public response"},{"Question":"Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 3 months before closure and now I can not reap the rewards of this annual-fee credit card. \n","text":"Company chooses not to provide a public response","context":": Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 3 months before closure and now I can not reap the rewards of this annual-fee credit card. \n : Company chooses not to provide a public response"},{"Question":"Barclays closed my XXXX Rewards card out of the blue. I had paid the annual fee of {$89.00} several months before closure and now I can not reap the rewards of this annual-fee credit card. \n","text":"Company chooses not to provide a public response","context":": Barclays closed my XXXX Rewards card out of the blue. I had paid the annual fee of {$89.00} several months before closure and now I can not reap the rewards of this annual-fee credit card. \n : Company chooses not to provide a public response"},{"Question":"Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 2 months before the card was closed and now I can not reap the rewards of this annual-fee credit card. \n","text":"Company chooses not to provide a public response","context":": Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 2 months before the card was closed and now I can not reap the rewards of this annual-fee credit card. \n : Company chooses not to provide a public response"},{"Question":"They are not doing proper investigation of my accounts. Under the FCRA they need to contact the company not just a XXXX digit code. Also under FCRA section XXXX they need to have proof of the account in their records in order to report it. \n","text":"Company chooses not to provide a public response","context":": They are not doing proper investigation of my accounts. Under the FCRA they need to contact the company not just a XXXX digit code. Also under FCRA section XXXX they need to have proof of the account in their records in order to report it. \n : Company chooses not to provide a public response"},{"Question":"Have tried for the past 1.5years to negotiate repayment plan with BOA\/XXXX without success \n","text":"Company chooses not to provide a public response","context":": Have tried for the past 1.5years to negotiate repayment plan with BOA\/XXXX without success \n : Company chooses not to provide a public response"},{"Question":"Purchased online dating service XXXX XXXX XXXX was overcharged for the database and did not have the database I was looking for was charged {$8500.00} and they would not send an email to the XXXX to ask someone to join the club that I was interested in. \n","text":"Company chooses not to provide a public response","context":": Purchased online dating service XXXX XXXX XXXX was overcharged for the database and did not have the database I was looking for was charged {$8500.00} and they would not send an email to the XXXX to ask someone to join the club that I was interested in. \n : Company chooses not to provide a public response"},{"Question":"This is a follow-up to a current complaint about XXXX. I am providing documentation that shows my account has never been late, but the payment status indicates more than 90-100 days late. This incorrect information has significantly lowered my credit score. \n","text":"Company chooses not to provide a public response","context":": This is a follow-up to a current complaint about XXXX. I am providing documentation that shows my account has never been late, but the payment status indicates more than 90-100 days late. This incorrect information has significantly lowered my credit score. \n : Company chooses not to provide a public response"},{"Question":"called my daughter telling her that she will be sued if I, her father, do not contact him and pay a debt. he also said that the debt was settled in the past but he was still trying to collect. I never received a call from the company \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": called my daughter telling her that she will be sued if I, her father, do not contact him and pay a debt. he also said that the debt was settled in the past but he was still trying to collect. I never received a call from the company \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Barclay Card close my credit card account without telling me why. I 've not been delinquent on any payment, nor have I missed one. They kept my hard earned rewards - about XXXX worth - without giving me even a simple explanation. I did n't do them wrong but they sure did me. \n","text":"Company chooses not to provide a public response","context":": Barclay Card close my credit card account without telling me why. I 've not been delinquent on any payment, nor have I missed one. They kept my hard earned rewards - about XXXX worth - without giving me even a simple explanation. I did n't do them wrong but they sure did me. \n : Company chooses not to provide a public response"},{"Question":"Citibank changed my account type with a monthly fee of {$25.00} XX\/XX\/XXXX. Since that account is dormant, I did not notice until XX\/XX\/XXXX. They ripped me off {$200.00} for absolutely nothing and I have no way of recouping \n","text":"Company chooses not to provide a public response","context":": Citibank changed my account type with a monthly fee of {$25.00} XX\/XX\/XXXX. Since that account is dormant, I did not notice until XX\/XX\/XXXX. They ripped me off {$200.00} for absolutely nothing and I have no way of recouping \n : Company chooses not to provide a public response"},{"Question":"The account reported to my credit report needs to be validated. I have no knowledge of this account. I am requesting full validations. \nNot the seeming verification process. I do not understand how and why this was reported. requesting how the information was submitted. \n","text":"Company can't verify or dispute the facts in the complaint","context":": The account reported to my credit report needs to be validated. I have no knowledge of this account. I am requesting full validations. \nNot the seeming verification process. I do not understand how and why this was reported. requesting how the information was submitted. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Experian Credit Report : XXXX, I am unable to remove inquiries from my credit report. \nThe XXXX and the Credit Bureau are both no removing my name and informationfrom the Creditor 's file. I want the inquiries to be removed and permanently stopped. \n","text":"Company chooses not to provide a public response","context":": Experian Credit Report : XXXX, I am unable to remove inquiries from my credit report. \nThe XXXX and the Credit Bureau are both no removing my name and informationfrom the Creditor 's file. I want the inquiries to be removed and permanently stopped. \n : Company chooses not to provide a public response"},{"Question":"I was going over my credit report and noticed I still have an account on there that was paid in full and closed back in XXXX of 2005 \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was going over my credit report and noticed I still have an account on there that was paid in full and closed back in XXXX of 2005 \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have requested for the company to validate the with a copy of the original agreement bearing my signature. All I receive is copy of bill with a name that is not mine correct name. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have requested for the company to validate the with a copy of the original agreement bearing my signature. All I receive is copy of bill with a name that is not mine correct name. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This account has been paid in full and should be removed from my account please verify and update my account \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This account has been paid in full and should be removed from my account please verify and update my account \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"according to my credit report there is an incorrect information in my profile .Which consists in the following : \" XXXX account closed by the consumer '' .It never been closed! \n","text":"Company chooses not to provide a public response","context":": according to my credit report there is an incorrect information in my profile .Which consists in the following : \" XXXX account closed by the consumer '' .It never been closed! \n : Company chooses not to provide a public response"},{"Question":"My mortgage company is Statebridge LLC have never received my escrow analyis for the upcoming year, have called several times to request it and find out what the new payment is due XXXX XXXX, still no response. They do not return calls, emails or faxes. \n","text":"Company chooses not to provide a public response","context":": My mortgage company is Statebridge LLC have never received my escrow analyis for the upcoming year, have called several times to request it and find out what the new payment is due XXXX XXXX, still no response. They do not return calls, emails or faxes. \n : Company chooses not to provide a public response"},{"Question":"HOME @ FIVE MADE A HARD INQUIRE ON MY CREDIT REPORT WITH OUT MY CONSENT \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": HOME @ FIVE MADE A HARD INQUIRE ON MY CREDIT REPORT WITH OUT MY CONSENT \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I have never had a cell phone with XXXX! I have only had XXXX XXXX service!!!! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have never had a cell phone with XXXX! I have only had XXXX XXXX service!!!! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have XXXX hard inquiries in my credit report and I have not asked for any credit in no place. It appears on request at XXXX and the other at XXXX ON XXXX XXXX. And Have other on XXXX for XXXX made the day before XXXX XXXX. Please investigate asap. \n\nThanks In AdvanceXXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I have XXXX hard inquiries in my credit report and I have not asked for any credit in no place. It appears on request at XXXX and the other at XXXX ON XXXX XXXX. And Have other on XXXX for XXXX made the day before XXXX XXXX. Please investigate asap. \n\nThanks In AdvanceXXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I was reported for greater than 7 years ( XX\/XX\/2007 ) for a NY State paid tax lien and transition and equifax continue to report it and the law states that paid tax liens should not be reported for greater than 7 years and it has been over 8 years. \n","text":"Company chooses not to provide a public response","context":": I was reported for greater than 7 years ( XX\/XX\/2007 ) for a NY State paid tax lien and transition and equifax continue to report it and the law states that paid tax liens should not be reported for greater than 7 years and it has been over 8 years. \n : Company chooses not to provide a public response"},{"Question":"TransUnion is reporting inaccurate information in my credit report. There are XXXX negative items ( XXXX, XXXX ) being reported for more than 7 years since the first delinquency day. One month ago I submit a dispute, but the results came back with different days and not corrected. \n","text":"Company chooses not to provide a public response","context":": TransUnion is reporting inaccurate information in my credit report. There are XXXX negative items ( XXXX, XXXX ) being reported for more than 7 years since the first delinquency day. One month ago I submit a dispute, but the results came back with different days and not corrected. \n : Company chooses not to provide a public response"},{"Question":"Fees charged for A legal fee, that over drafted my account. \n","text":"Company chooses not to provide a public response","context":": Fees charged for A legal fee, that over drafted my account. \n : Company chooses not to provide a public response"},{"Question":"TransUnion has a telephone number listed that is incorrect. I have never had or used this number : XXXX \n","text":"Company chooses not to provide a public response","context":": TransUnion has a telephone number listed that is incorrect. I have never had or used this number : XXXX \n : Company chooses not to provide a public response"},{"Question":"Releated Case XXXXThis is in response to the above referenced case number. Please see attached. \n","text":"Company chooses not to provide a public response","context":": Releated Case XXXXThis is in response to the above referenced case number. Please see attached. \n : Company chooses not to provide a public response"},{"Question":"Interest reported to IRS on form XXXX for 2014 is incorrect as it should be {$3100.00} not {$1600.00} ; or if it is not, then the cancellation of debt reported is incorrect and should be lowered by the difference {$1400.00}. Both can not be correct. \n","text":"Company chooses not to provide a public response","context":": Interest reported to IRS on form XXXX for 2014 is incorrect as it should be {$3100.00} not {$1600.00} ; or if it is not, then the cancellation of debt reported is incorrect and should be lowered by the difference {$1400.00}. Both can not be correct. \n : Company chooses not to provide a public response"},{"Question":"called left message even though I answered. Stated it was a debt collection and I must call them back. No one at our number has any unpaid debts! \n","text":"Company can't verify or dispute the facts in the complaint","context":": called left message even though I answered. Stated it was a debt collection and I must call them back. No one at our number has any unpaid debts! \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Illegal and Improper contact from third party debt collector. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Illegal and Improper contact from third party debt collector. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This collection does not belong to me, some one else used. \n","text":"Company chooses not to provide a public response","context":": This collection does not belong to me, some one else used. \n : Company chooses not to provide a public response"},{"Question":"Appeal for loan modification denial was declined with servicer stating appeal response was not received on time. However, borrowers emailed and mailed response to servicer on the due date. The servicer failed to open the appeal email from the borrowers. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Appeal for loan modification denial was declined with servicer stating appeal response was not received on time. However, borrowers emailed and mailed response to servicer on the due date. The servicer failed to open the appeal email from the borrowers. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I never received notification of my right to dispute this debt. This company reported this account to the credit Bureaus without notifying me and providing me the right to dispute this alledged debt. \n","text":"Company chooses not to provide a public response","context":": I never received notification of my right to dispute this debt. This company reported this account to the credit Bureaus without notifying me and providing me the right to dispute this alledged debt. \n : Company chooses not to provide a public response"},{"Question":"TRANS UNION is reporting a fraudulent tax lien on my credit. Even though they have removed the other fraudulent tax liens \n","text":"Company chooses not to provide a public response","context":": TRANS UNION is reporting a fraudulent tax lien on my credit. Even though they have removed the other fraudulent tax liens \n : Company chooses not to provide a public response"},{"Question":"I have never used the address below and do n't know how or why it appears on my reportXXXX XXXX XXXX XXXX, TXXXXX \n","text":"Company chooses not to provide a public response","context":": I have never used the address below and do n't know how or why it appears on my reportXXXX XXXX XXXX XXXX, TXXXXX \n : Company chooses not to provide a public response"},{"Question":"For its XXXX XXXX, Wells Fargo currently charges 27.99 % ( v ). I understand that credit card interest is in the hands of the card companies, and that they may charge whatever they like! \nThere is no cap on interest charged by credit cards. \n","text":"Company chooses not to provide a public response","context":": For its XXXX XXXX, Wells Fargo currently charges 27.99 % ( v ). I understand that credit card interest is in the hands of the card companies, and that they may charge whatever they like! \nThere is no cap on interest charged by credit cards. \n : Company chooses not to provide a public response"},{"Question":"I have observed Amergy Bank manipulation of my checking account to generate unearned over limit fees for the second time this year.Earlier this year while @ XXXX XXXX XXXX I observed Amergy try to cheat me. \n","text":"Company chooses not to provide a public response","context":": I have observed Amergy Bank manipulation of my checking account to generate unearned over limit fees for the second time this year.Earlier this year while @ XXXX XXXX XXXX I observed Amergy try to cheat me. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX caeds from XXXX popped up on my credit report lowering my score significantley. i want proof these are my bills \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX caeds from XXXX popped up on my credit report lowering my score significantley. i want proof these are my bills \n : Company chooses not to provide a public response"},{"Question":"I never took a loan from XXXX and someone from ERC XXXX calls me numerous times a day. No debt validation letter was sent to me. They refuse to issue any address and accompanying documents. I have asked them to stop calling me but they persist. \n","text":"Company disputes the facts presented in the complaint","context":": I never took a loan from XXXX and someone from ERC XXXX calls me numerous times a day. No debt validation letter was sent to me. They refuse to issue any address and accompanying documents. I have asked them to stop calling me but they persist. \n : Company disputes the facts presented in the complaint"},{"Question":"Continuous calling back to back starting at the top of the hour. They would call around XXXX then again at XXXX. I was only3 days past due and paying on a Friday. I had my bill scheduled to pay then. \n","text":"Company chooses not to provide a public response","context":": Continuous calling back to back starting at the top of the hour. They would call around XXXX then again at XXXX. I was only3 days past due and paying on a Friday. I had my bill scheduled to pay then. \n : Company chooses not to provide a public response"},{"Question":"Since XX\/XX\/2015 my mortgage company, Roundpoint Mortgage Servicing Corporation, has been charging me escrow of over XXXX dollars. My homeowners insurance company told them I did not renew my policy. That was not true. \n","text":"Company chooses not to provide a public response","context":": Since XX\/XX\/2015 my mortgage company, Roundpoint Mortgage Servicing Corporation, has been charging me escrow of over XXXX dollars. My homeowners insurance company told them I did not renew my policy. That was not true. \n : Company chooses not to provide a public response"},{"Question":"TransUnion failed to respond to my dispute letter and they failed to verify that these accounts belong to me before the end of the 30 days period. \n","text":"Company chooses not to provide a public response","context":": TransUnion failed to respond to my dispute letter and they failed to verify that these accounts belong to me before the end of the 30 days period. \n : Company chooses not to provide a public response"},{"Question":"The bank BB & T has excessively charged me overdraft fees. I suspect that they reorder transactions at night for batch processing posting debits before credits. They then settle for the day before applying any credits. My bank statement can prove this. \n","text":"Company chooses not to provide a public response","context":": The bank BB & T has excessively charged me overdraft fees. I suspect that they reorder transactions at night for batch processing posting debits before credits. They then settle for the day before applying any credits. My bank statement can prove this. \n : Company chooses not to provide a public response"},{"Question":"I was the victim of an internet scam. Someone defrauded me out of a large sum of money. My Dillards credit card account was not in dispute. Wells Fargo shut the account down anyway. I did not request that the account be closed. \n","text":"Company chooses not to provide a public response","context":": I was the victim of an internet scam. Someone defrauded me out of a large sum of money. My Dillards credit card account was not in dispute. Wells Fargo shut the account down anyway. I did not request that the account be closed. \n : Company chooses not to provide a public response"},{"Question":"XXXX 2015 the contact XXXX and tranunion aboutitems on my report that wasn'tmines. XXXX remove the items and trans union didn'tand i let them know theaccount was paid in full \n","text":"Company chooses not to provide a public response","context":": XXXX 2015 the contact XXXX and tranunion aboutitems on my report that wasn'tmines. XXXX remove the items and trans union didn'tand i let them know theaccount was paid in full \n : Company chooses not to provide a public response"},{"Question":"I DO N'T KNOW ABOUT THIS DEBT. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I DO N'T KNOW ABOUT THIS DEBT. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Experian company has not deleted wrong information on my credit report for the XXXX time. \n","text":"Company chooses not to provide a public response","context":": Experian company has not deleted wrong information on my credit report for the XXXX time. \n : Company chooses not to provide a public response"},{"Question":"Focus Receivables Management has a collection against me supposedly from XXXX XXXX XXXX. I have not used XXXX XXXX in 5-6 years and left them all paid up. No one has left a message, sent a letter or emailed me. I happened to see this when applying for a loan. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Focus Receivables Management has a collection against me supposedly from XXXX XXXX XXXX. I have not used XXXX XXXX in 5-6 years and left them all paid up. No one has left a message, sent a letter or emailed me. I happened to see this when applying for a loan. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"law firm bought all of my outstanding credit from credit company and press charges in high courts damaging all of credit history. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": law firm bought all of my outstanding credit from credit company and press charges in high courts damaging all of credit history. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I found that someone did a hard inquiry on my credit 2 days ago and I am currently not applying anywhere for credit, I tried calling the company listed as CIC to complain but no one answered, I left a message. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I found that someone did a hard inquiry on my credit 2 days ago and I am currently not applying anywhere for credit, I tried calling the company listed as CIC to complain but no one answered, I left a message. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Some one stole my indenty theif \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Some one stole my indenty theif \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Follow up to Bank of America case of XXXX case. \n","text":"Company chooses not to provide a public response","context":": Follow up to Bank of America case of XXXX case. \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo failed to resolve ny prior complaint XXXX, failed to update my contact info, failed to provide statements as rewuested, continue to make harrassing calls to my ex husband, fail to post multiple same-month payments correctly. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo failed to resolve ny prior complaint XXXX, failed to update my contact info, failed to provide statements as rewuested, continue to make harrassing calls to my ex husband, fail to post multiple same-month payments correctly. \n : Company chooses not to provide a public response"},{"Question":"They reported the debt on my credit report as a charge off. When I disputed it with the Credit Reporting they validated the debt. I contacted them via certified mail with a \" Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and they never responded. \n","text":"Company chooses not to provide a public response","context":": They reported the debt on my credit report as a charge off. When I disputed it with the Credit Reporting they validated the debt. I contacted them via certified mail with a \" Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and they never responded. \n : Company chooses not to provide a public response"},{"Question":"Threatened to garnish my wages and said that my SS # was flagged. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Threatened to garnish my wages and said that my SS # was flagged. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I requested a loan estimate from Veterans United Home Loans and received a document with no APR. The quote from them was also missing the loan officers XXXX #. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I requested a loan estimate from Veterans United Home Loans and received a document with no APR. The quote from them was also missing the loan officers XXXX #. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They call every day for someone who does not live here. I spoke with them and they said that they would stop but continue to call. It is automated so they just have n't changed their programed numbers to call. \nThe person calling is XXXX XXXX, XXXX \n","text":"Company chooses not to provide a public response","context":": They call every day for someone who does not live here. I spoke with them and they said that they would stop but continue to call. It is automated so they just have n't changed their programed numbers to call. \nThe person calling is XXXX XXXX, XXXX \n : Company chooses not to provide a public response"},{"Question":"I had an agreement to resolve my loan via \" deed in lieu ''. \nThe loan processor required me to vacate on XXXX\/XXXX\/15. \nThey with held assistance until XXXX\/XXXX\/15. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I had an agreement to resolve my loan via \" deed in lieu ''. \nThe loan processor required me to vacate on XXXX\/XXXX\/15. \nThey with held assistance until XXXX\/XXXX\/15. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Turned down for credit they are so many names on my report. My name is XXXX XXXX XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": Turned down for credit they are so many names on my report. My name is XXXX XXXX XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"I filed XXXX $ owed from a checking account in my chapter XXXX bankruptcy that was discharged almost 20 months ago. us bank is still reporting this as money owed by me in the XXXX. This is preventing me from moving forward financially and becoming a member of any bank. \n","text":"Company chooses not to provide a public response","context":": I filed XXXX $ owed from a checking account in my chapter XXXX bankruptcy that was discharged almost 20 months ago. us bank is still reporting this as money owed by me in the XXXX. This is preventing me from moving forward financially and becoming a member of any bank. \n : Company chooses not to provide a public response"},{"Question":"There are some items that I believe they should n't be in my credit report \n","text":"Company chooses not to provide a public response","context":": There are some items that I believe they should n't be in my credit report \n : Company chooses not to provide a public response"},{"Question":"Transunion has not provide me with proper evidence of negative accounts. \n","text":"Company chooses not to provide a public response","context":": Transunion has not provide me with proper evidence of negative accounts. \n : Company chooses not to provide a public response"},{"Question":"I have been put into collections for a tax bill that I paid on XXXX XXXX, XXXX for a XXXX MD tax bill. I have sent a dispute letter with proof of payment and have received another demand letter. \n","text":"Company chooses not to provide a public response","context":": I have been put into collections for a tax bill that I paid on XXXX XXXX, XXXX for a XXXX MD tax bill. I have sent a dispute letter with proof of payment and have received another demand letter. \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo has refused to link student loan account information to my online login so that I may access and gather information relating to balance and payment. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo has refused to link student loan account information to my online login so that I may access and gather information relating to balance and payment. \n : Company chooses not to provide a public response"},{"Question":"I purchased a vehicle in XXXX from a dealership who facilitated the financing through Wells Fargo. I have requested Wells Fargo send me a credit score disclosure XXXX times and have yet to receive it. \n","text":"Company chooses not to provide a public response","context":": I purchased a vehicle in XXXX from a dealership who facilitated the financing through Wells Fargo. I have requested Wells Fargo send me a credit score disclosure XXXX times and have yet to receive it. \n : Company chooses not to provide a public response"},{"Question":"I sent the creditor a letter requesting the debt be verified on XXXX XXXX, 2015. I have not received any such documentation. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I sent the creditor a letter requesting the debt be verified on XXXX XXXX, 2015. I have not received any such documentation. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is an address on my report that I have never lived at ...! ive never lived in XXXX Ohio in my life! \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": There is an address on my report that I have never lived at ...! ive never lived in XXXX Ohio in my life! \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"There are several items that are on my credit report due to fraud. \nMy social security number was stolen from me to open accounts in my name. \n","text":"Company chooses not to provide a public response","context":": There are several items that are on my credit report due to fraud. \nMy social security number was stolen from me to open accounts in my name. \n : Company chooses not to provide a public response"},{"Question":"Experian is reporting the same account on my report multiple times. It was charged off from the original debtor and sold to a collection agency. There are XXXX agencies reporting the same information. \n","text":"Company chooses not to provide a public response","context":": Experian is reporting the same account on my report multiple times. It was charged off from the original debtor and sold to a collection agency. There are XXXX agencies reporting the same information. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX purchased discharged mortgage from bank of america and now activated the loan and has destroyed my credit. this loan was chapter XXXX discharged on XXXX\/XXXX\/2011. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX purchased discharged mortgage from bank of america and now activated the loan and has destroyed my credit. this loan was chapter XXXX discharged on XXXX\/XXXX\/2011. \n : Company chooses not to provide a public response"},{"Question":"Experian refuses to remove the fraudulent account off of my credit file due to fraud.My social security number was stolen from me and used to open accounts in my name without my permission. \n","text":"Company chooses not to provide a public response","context":": Experian refuses to remove the fraudulent account off of my credit file due to fraud.My social security number was stolen from me and used to open accounts in my name without my permission. \n : Company chooses not to provide a public response"},{"Question":"My credit card accounts with US Bank were all frozen and later closed, $ XXXX worth of reward points were confiscated with no notice. I have never paid late or broken any of their terms and conditions. \n","text":"Company chooses not to provide a public response","context":": My credit card accounts with US Bank were all frozen and later closed, $ XXXX worth of reward points were confiscated with no notice. I have never paid late or broken any of their terms and conditions. \n : Company chooses not to provide a public response"},{"Question":"I am receiving numerous calls from Van Ru Credit Corporation ( XXXX ) about a delinquent debt that I do not have. \n","text":"Company chooses not to provide a public response","context":": I am receiving numerous calls from Van Ru Credit Corporation ( XXXX ) about a delinquent debt that I do not have. \n : Company chooses not to provide a public response"},{"Question":"The credit bureau 's failure to provide me with information to prove that this is my account they have stated that they will no longer investigate my claims. I am requesting proof or remove the in accurate information \n","text":"Company chooses not to provide a public response","context":": The credit bureau 's failure to provide me with information to prove that this is my account they have stated that they will no longer investigate my claims. I am requesting proof or remove the in accurate information \n : Company chooses not to provide a public response"},{"Question":"XXXX UNIVERSITY my loan rate is XXXX percent variable..I think that is excessive to the point of criminal and they gave me variable instead of fixed so you know in the years to come with rates having to move up I will get killed ... .... \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX UNIVERSITY my loan rate is XXXX percent variable..I think that is excessive to the point of criminal and they gave me variable instead of fixed so you know in the years to come with rates having to move up I will get killed ... .... \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Radioshack\/ CBNA is reporting a tradeline on my credit report that is not my account, has never been verified as my account and is now is older than 7 years old. Radioshack\/CBNA has refused to remove this item and refuses in writing to verify due to my inquiry being \" frivolous ''. \n","text":"Company chooses not to provide a public response","context":": Radioshack\/ CBNA is reporting a tradeline on my credit report that is not my account, has never been verified as my account and is now is older than 7 years old. Radioshack\/CBNA has refused to remove this item and refuses in writing to verify due to my inquiry being \" frivolous ''. \n : Company chooses not to provide a public response"},{"Question":"I was out of USA and i dn t understand what is that compagny and why is that amount \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I was out of USA and i dn t understand what is that compagny and why is that amount \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"My hard credit requests score NEEDS TO BE UPDATED as there is a two year limit and most have expired but are still listed and counting negatively against me. Please please update. \n","text":"Company chooses not to provide a public response","context":": My hard credit requests score NEEDS TO BE UPDATED as there is a two year limit and most have expired but are still listed and counting negatively against me. Please please update. \n : Company chooses not to provide a public response"},{"Question":"I was never late. APPLIED BANKAccount # XXXX. \nIts reporting i had a 30 day late XX\/XX\/2014. That is false an inaccurate. \n","text":"Company chooses not to provide a public response","context":": I was never late. APPLIED BANKAccount # XXXX. \nIts reporting i had a 30 day late XX\/XX\/2014. That is false an inaccurate. \n : Company chooses not to provide a public response"},{"Question":"The house is sold, the mortgage paid in full but Wells Fargo has not processed my escrow refund. I have told them twice that I need my money and they ignore it. \n","text":"Company chooses not to provide a public response","context":": The house is sold, the mortgage paid in full but Wells Fargo has not processed my escrow refund. I have told them twice that I need my money and they ignore it. \n : Company chooses not to provide a public response"},{"Question":"Please see related CFPB complaints Case number : XXXX & Case number : XXXXXXXXI got a voicemail from USAA today and I 'm extremely disturbed by their handling of this matter after I contacted them back. Please refer to the attached sound bites. \n","text":"Company believes complaint is the result of an isolated error","context":": Please see related CFPB complaints Case number : XXXX & Case number : XXXXXXXXI got a voicemail from USAA today and I 'm extremely disturbed by their handling of this matter after I contacted them back. Please refer to the attached sound bites. \n : Company believes complaint is the result of an isolated error"},{"Question":"I try a loan modification with Flagstar for 5 years, and they keep losing the paperwork \n","text":"Company chooses not to provide a public response","context":": I try a loan modification with Flagstar for 5 years, and they keep losing the paperwork \n : Company chooses not to provide a public response"},{"Question":"XXXX PHONE NUMBER XXXX XXXX I IN XXXX SENT BACK THERE CELL PHONE TO XXXX, INDIANA THEY CHARGED ME WITH A 2 YEAR CONTRACTAND NO ONE HAS MY LAST EMPLOYER GENERAL DEVICES COMPANY FROM XXXX TO XXXX MY INCOME SOURCE IS XXXX XXXX SINCE XXXX\/XXXX\/XXXX \n","text":"Company chooses not to provide a public response","context":": XXXX PHONE NUMBER XXXX XXXX I IN XXXX SENT BACK THERE CELL PHONE TO XXXX, INDIANA THEY CHARGED ME WITH A 2 YEAR CONTRACTAND NO ONE HAS MY LAST EMPLOYER GENERAL DEVICES COMPANY FROM XXXX TO XXXX MY INCOME SOURCE IS XXXX XXXX SINCE XXXX\/XXXX\/XXXX \n : Company chooses not to provide a public response"},{"Question":"XXXX has updated the records as PAID IN FULL no charge off or any collection. NO settlement at all. i cant understand why they are not changing the records on the report. \n","text":"Company chooses not to provide a public response","context":": XXXX has updated the records as PAID IN FULL no charge off or any collection. NO settlement at all. i cant understand why they are not changing the records on the report. \n : Company chooses not to provide a public response"},{"Question":"The bank which I have a mortgage with is charging me abusive insurance on top of my mortgage and I was only notified of the insurance policy charges once the amount was already applied to my account. \n","text":"Company chooses not to provide a public response","context":": The bank which I have a mortgage with is charging me abusive insurance on top of my mortgage and I was only notified of the insurance policy charges once the amount was already applied to my account. \n : Company chooses not to provide a public response"},{"Question":"This account was deleted from both XXXX in 2014 but this company has re entered the account through XXXX although they are aware that It does not belong to me. Please see the attached which shows the removed item listed on the documents received XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This account was deleted from both XXXX in 2014 but this company has re entered the account through XXXX although they are aware that It does not belong to me. Please see the attached which shows the removed item listed on the documents received XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Working with XXXX XXXX to remove. XXXX 's put false information onb my credit report after failing to withdraw {$25.00} from my account in nJan 2015. I called XXXX XXXX and paid {$27.00} and the XXXX credit rep said no deliquency would be put on account. \n","text":"Company chooses not to provide a public response","context":": Working with XXXX XXXX to remove. XXXX 's put false information onb my credit report after failing to withdraw {$25.00} from my account in nJan 2015. I called XXXX XXXX and paid {$27.00} and the XXXX credit rep said no deliquency would be put on account. \n : Company chooses not to provide a public response"},{"Question":"XXXX BANK IS REPORTING ACCOUNT XXXX AS CHARGE OFF I NEVER OPEN AN ACCOUNT WITH THEM. I CONTACTED THE CREDIT BERAU AND THEY WONT DELETE IT \n","text":"Company chooses not to provide a public response","context":": XXXX BANK IS REPORTING ACCOUNT XXXX AS CHARGE OFF I NEVER OPEN AN ACCOUNT WITH THEM. I CONTACTED THE CREDIT BERAU AND THEY WONT DELETE IT \n : Company chooses not to provide a public response"},{"Question":"XXXX ran my credit 7 times in one day and they were only authorized to do it once. They ran it through XXXX twice, XXXX and XXXX bank twice. All on XXXX XXXX 2015. These XXXX hard inquires have majorly effected my credit score. \n","text":"Company chooses not to provide a public response","context":": XXXX ran my credit 7 times in one day and they were only authorized to do it once. They ran it through XXXX twice, XXXX and XXXX bank twice. All on XXXX XXXX 2015. These XXXX hard inquires have majorly effected my credit score. \n : Company chooses not to provide a public response"},{"Question":"This matter has been resolved as of XXXX 2015. \n","text":"Company chooses not to provide a public response","context":": This matter has been resolved as of XXXX 2015. \n : Company chooses not to provide a public response"},{"Question":"I had my bank card stolen and my account was overdrawn. Consequently, my account was flagged and reported as supected fraud XXXX. Please advise. \n","text":"Company chooses not to provide a public response","context":": I had my bank card stolen and my account was overdrawn. Consequently, my account was flagged and reported as supected fraud XXXX. Please advise. \n : Company chooses not to provide a public response"},{"Question":"I had a bill come out early by two days and they overdrafted XXXX items in one day starting at a XXXX dollar purchase. I am now in XXXX $ in over draft charges when my purchases were not even a {$100.00} total. Refused to refund any of the charges. \n","text":"Company chooses not to provide a public response","context":": I had a bill come out early by two days and they overdrafted XXXX items in one day starting at a XXXX dollar purchase. I am now in XXXX $ in over draft charges when my purchases were not even a {$100.00} total. Refused to refund any of the charges. \n : Company chooses not to provide a public response"},{"Question":"their score has n't changed from XXXX for six months, competing credit companies scores are as follows and they change ever month XXXX XXXX, XXXX XXXXXXXX XXXXThey say they use XXXX XXXX but nothing ever changes. \n","text":"Company chooses not to provide a public response","context":": their score has n't changed from XXXX for six months, competing credit companies scores are as follows and they change ever month XXXX XXXX, XXXX XXXXXXXX XXXXThey say they use XXXX XXXX but nothing ever changes. \n : Company chooses not to provide a public response"},{"Question":"I have paid the debt and XXXX refuses to take it off of my credit report, or host an acceptable means of filing a dispute. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have paid the debt and XXXX refuses to take it off of my credit report, or host an acceptable means of filing a dispute. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Please refer to CFPB complaint XXXX. SPS continues to harass me through the USPS and refuses to respond to my debt validation and Qualifies Written Request. I do not owe SPS and SPS has not serviced any loan on my behalf. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Please refer to CFPB complaint XXXX. SPS continues to harass me through the USPS and refuses to respond to my debt validation and Qualifies Written Request. I do not owe SPS and SPS has not serviced any loan on my behalf. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"First source advantage keeps calling me at work eventhough I have told him not to. They call me on my cell multiple times a day. \n","text":"Company believes complaint is the result of an isolated error","context":": First source advantage keeps calling me at work eventhough I have told him not to. They call me on my cell multiple times a day. \n : Company believes complaint is the result of an isolated error"},{"Question":"I have a XXXX bank charge that is not mine on my credit report \n","text":"Company chooses not to provide a public response","context":": I have a XXXX bank charge that is not mine on my credit report \n : Company chooses not to provide a public response"},{"Question":"I have fraudulent items on my credit report. I have inquires that I did not apply for as well as names and addresses that do not belong to me.I am a victim of Identity Theft \n","text":"Company chooses not to provide a public response","context":": I have fraudulent items on my credit report. I have inquires that I did not apply for as well as names and addresses that do not belong to me.I am a victim of Identity Theft \n : Company chooses not to provide a public response"},{"Question":"This was a tax lien that has been paid and released. Documents were sent to all XXXX reporting agencies of the release of the lien, but the derogatory remark is still on my credit report, and Transunion XXXX refuse to remove it, after countless attempts on my part to have them do so. \n","text":"Company chooses not to provide a public response","context":": This was a tax lien that has been paid and released. Documents were sent to all XXXX reporting agencies of the release of the lien, but the derogatory remark is still on my credit report, and Transunion XXXX refuse to remove it, after countless attempts on my part to have them do so. \n : Company chooses not to provide a public response"},{"Question":"Bank of America sent me a false email and stating that I did not pay my mortgage for XXXX 2015. I paid my mortgage and called them and the refused to mail me a written receipt. \nPlease have Bank of America sent me a written receipt for my XXXX 2015 payment. \n","text":"Company chooses not to provide a public response","context":": Bank of America sent me a false email and stating that I did not pay my mortgage for XXXX 2015. I paid my mortgage and called them and the refused to mail me a written receipt. \nPlease have Bank of America sent me a written receipt for my XXXX 2015 payment. \n : Company chooses not to provide a public response"},{"Question":"FOR THE LAST 18 MONTHS WE HAVER REQUESTED A HARP LOANBASED ON OUR INCOME OR PRINCIPAL MODIFICATION. WE HAVE BEEN GIVE TRAIL MODIFICATIONS AT OVER {$4000.00} PER MONTH WE WANT TO HAVE A AFFORDABLE LOAN SINCE HOUSE IS VALUED LOWER THAN MORTGAGE LOAN \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": FOR THE LAST 18 MONTHS WE HAVER REQUESTED A HARP LOANBASED ON OUR INCOME OR PRINCIPAL MODIFICATION. WE HAVE BEEN GIVE TRAIL MODIFICATIONS AT OVER {$4000.00} PER MONTH WE WANT TO HAVE A AFFORDABLE LOAN SINCE HOUSE IS VALUED LOWER THAN MORTGAGE LOAN \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX from Procollect advised me that I need to contact him, but I have already forwarded him documents confirming that the account is not mine, I am already registered with the Do Not Call List and he keeps calling me daily. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX from Procollect advised me that I need to contact him, but I have already forwarded him documents confirming that the account is not mine, I am already registered with the Do Not Call List and he keeps calling me daily. \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo Auto has an account listed on my credit report with payment status of unknown. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo Auto has an account listed on my credit report with payment status of unknown. \n : Company chooses not to provide a public response"},{"Question":"Bank of America is attempting to collect a debt that does not belong to me. I was forwarded statements with an account number that does not belong to me. As per my credit report I have outstanding debt on this account. \n","text":"Company chooses not to provide a public response","context":": Bank of America is attempting to collect a debt that does not belong to me. I was forwarded statements with an account number that does not belong to me. As per my credit report I have outstanding debt on this account. \n : Company chooses not to provide a public response"},{"Question":"I was promised 18 month 0 % interest financing, however, the company Barclaycard is charging me interest and refuses to correct or refund me for the interest they 've charged. \n","text":"Company chooses not to provide a public response","context":": I was promised 18 month 0 % interest financing, however, the company Barclaycard is charging me interest and refuses to correct or refund me for the interest they 've charged. \n : Company chooses not to provide a public response"},{"Question":"There is an open collection 's debt. This debt has been settled in full. The creditor informed me this debt would be reported to all XXXX credit reporting agencies and removed from my credit report. It is still there. \n","text":"Company chooses not to provide a public response","context":": There is an open collection 's debt. This debt has been settled in full. The creditor informed me this debt would be reported to all XXXX credit reporting agencies and removed from my credit report. It is still there. \n : Company chooses not to provide a public response"},{"Question":"There is an error in reporting of payments posted to an account. Wells Fargo issued an Overdraft fee that in my bank register I can not verify ; however, the bank can see the Overdraft and say there is no error on the banks part for the posting order. \n","text":"Company chooses not to provide a public response","context":": There is an error in reporting of payments posted to an account. Wells Fargo issued an Overdraft fee that in my bank register I can not verify ; however, the bank can see the Overdraft and say there is no error on the banks part for the posting order. \n : Company chooses not to provide a public response"},{"Question":"I have been denied a modification from Bank of America for the XXXX times, they continue to string me along, like my modification is being review and after one year or more they come back to tell me I was denied ... \n\nXXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I have been denied a modification from Bank of America for the XXXX times, they continue to string me along, like my modification is being review and after one year or more they come back to tell me I was denied ... \n\nXXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I have spent the last year trying to work with XXXX to remove the 120 days late status from a loan that was closed on XXXX 2011. In my latest attempt they have continue to report the same status and verified with Wells Fargo. \n","text":"Company chooses not to provide a public response","context":": I have spent the last year trying to work with XXXX to remove the 120 days late status from a loan that was closed on XXXX 2011. In my latest attempt they have continue to report the same status and verified with Wells Fargo. \n : Company chooses not to provide a public response"},{"Question":"i pulled my report and noticed items thats not mine on my report. and filed a dispute i also filed an affidavit \n","text":"Company chooses not to provide a public response","context":": i pulled my report and noticed items thats not mine on my report. and filed a dispute i also filed an affidavit \n : Company chooses not to provide a public response"},{"Question":"After disputing the information with the credit report agency left me with no response. \n","text":"Company chooses not to provide a public response","context":": After disputing the information with the credit report agency left me with no response. \n : Company chooses not to provide a public response"},{"Question":"I do not know if this is a legit debtor, I received an aggressive call asking me to pay. It appeared legit and thus I paid the attached charges in full \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I do not know if this is a legit debtor, I received an aggressive call asking me to pay. It appeared legit and thus I paid the attached charges in full \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I had a fraudulent balance transfer on my credit card. US Bank refuses to give me the info about the transaction that I am entitled to according to Public law 108-159. I was told I would have to get a lawyer to get a sepeena. \n","text":"Company chooses not to provide a public response","context":": I had a fraudulent balance transfer on my credit card. US Bank refuses to give me the info about the transaction that I am entitled to according to Public law 108-159. I was told I would have to get a lawyer to get a sepeena. \n : Company chooses not to provide a public response"},{"Question":"The bill was paid to receive new services through same XXXX utility systems so why they have not reported that it is resolved I do n't know! I currently have service with them now! \n","text":"Company chooses not to provide a public response","context":": The bill was paid to receive new services through same XXXX utility systems so why they have not reported that it is resolved I do n't know! I currently have service with them now! \n : Company chooses not to provide a public response"},{"Question":"bait and switched savings account and money market account resulting in fees if minimums not met \n","text":"Company chooses not to provide a public response","context":": bait and switched savings account and money market account resulting in fees if minimums not met \n : Company chooses not to provide a public response"},{"Question":"This debt does not belong to me and I am unsure why it is on my credit report. This debt is from a company that I have never used. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This debt does not belong to me and I am unsure why it is on my credit report. This debt is from a company that I have never used. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Victim of Identity theft and the items on my credit report are over 7 years old \n","text":"Company chooses not to provide a public response","context":": Victim of Identity theft and the items on my credit report are over 7 years old \n : Company chooses not to provide a public response"},{"Question":"I have items on my credit report that exceed the 7 year mark and need to be removed \n","text":"Company chooses not to provide a public response","context":": I have items on my credit report that exceed the 7 year mark and need to be removed \n : Company chooses not to provide a public response"},{"Question":"I disputed the below accounts with Transunion on XX\/XX\/2015 but they never responded to my disputes. I disputed that the following accounts are not reporting correctly. \nXXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX \n","text":"Company chooses not to provide a public response","context":": I disputed the below accounts with Transunion on XX\/XX\/2015 but they never responded to my disputes. I disputed that the following accounts are not reporting correctly. \nXXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX \n : Company chooses not to provide a public response"},{"Question":"I have received discharge order from bankruptcy court XX\/XX\/2000 \nBut on my credit report, there is still a account balance is $ XXXXPlease remove {$120000.00} from the account balance ( Closed account ). \n","text":"Company chooses not to provide a public response","context":": I have received discharge order from bankruptcy court XX\/XX\/2000 \nBut on my credit report, there is still a account balance is $ XXXXPlease remove {$120000.00} from the account balance ( Closed account ). \n : Company chooses not to provide a public response"},{"Question":"I have received discharge order from bankruptcy court on XXXX XXXX, 2000. \nBut on my credit report, there is still a account balance is $ XXXXPlease remove {$120000.00} from the account balance ( Closed account ). \n","text":"Company chooses not to provide a public response","context":": I have received discharge order from bankruptcy court on XXXX XXXX, 2000. \nBut on my credit report, there is still a account balance is $ XXXXPlease remove {$120000.00} from the account balance ( Closed account ). \n : Company chooses not to provide a public response"},{"Question":"I have received a debt collection notice from First National Collection Bureau , Inc stating that i owe {$1100.00} for XXXX. I have never had XXXX services. This is a result of ID theft for which we have had to file several complaints. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have received a debt collection notice from First National Collection Bureau , Inc stating that i owe {$1100.00} for XXXX. I have never had XXXX services. This is a result of ID theft for which we have had to file several complaints. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have tried to settle my account with XXXX Hunter Warfield for the last 6years.. and they have refused to accept my releting fee for the amt of {$580.00} and has been decline by several agents including Management team.. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I have tried to settle my account with XXXX Hunter Warfield for the last 6years.. and they have refused to accept my releting fee for the amt of {$580.00} and has been decline by several agents including Management team.. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"On XXXX\/XXXX\/15 I requested National Credit System provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX\/XXXX\/15 I have not received any response in relation to my request. \n","text":"Company believes complaint is the result of an isolated error","context":": On XXXX\/XXXX\/15 I requested National Credit System provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX\/XXXX\/15 I have not received any response in relation to my request. \n : Company believes complaint is the result of an isolated error"},{"Question":"Calls from XXXX XXXX at Allied Interstate phone number XXXX. I sent this firm a cease and desist letter on XXXX XXXX, XXXX. They did not comply with it as they started phoning me again on XXXX XXXX, XXXX about XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": Calls from XXXX XXXX at Allied Interstate phone number XXXX. I sent this firm a cease and desist letter on XXXX XXXX, XXXX. They did not comply with it as they started phoning me again on XXXX XXXX, XXXX about XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"called my cell phone with out consent, and did not give the whole foti message. \n","text":"Company disputes the facts presented in the complaint","context":": called my cell phone with out consent, and did not give the whole foti message. \n : Company disputes the facts presented in the complaint"},{"Question":"Credit report not showing complete payment history. \n","text":"Company chooses not to provide a public response","context":": Credit report not showing complete payment history. \n : Company chooses not to provide a public response"},{"Question":"On XXXX\/XXXX\/15 I requested 1st Financial Investment Fund provide validation for {$100.00} debt being reported to credit bureaus. As of XXXX\/XXXX\/15 I have not received any response in relation to my request. \n","text":"Company believes complaint represents an opportunity for improvement to better serve consumers","context":": On XXXX\/XXXX\/15 I requested 1st Financial Investment Fund provide validation for {$100.00} debt being reported to credit bureaus. As of XXXX\/XXXX\/15 I have not received any response in relation to my request. \n : Company believes complaint represents an opportunity for improvement to better serve consumers"},{"Question":"On XXXX\/XXXX\/15 I requested XXXX provide validation for {$500.00} debt being reported to credit bureaus. On XXXX\/XXXX\/15 XXXX responded, but did not provide sufficient evidence. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": On XXXX\/XXXX\/15 I requested XXXX provide validation for {$500.00} debt being reported to credit bureaus. On XXXX\/XXXX\/15 XXXX responded, but did not provide sufficient evidence. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am asking for a copy of the proceedings from your local court. If they can produce records that you filed for bankruptcy, If they can not find a match, ask them to issue an order to have the filing removed from your report. \n","text":"Company chooses not to provide a public response","context":": I am asking for a copy of the proceedings from your local court. If they can produce records that you filed for bankruptcy, If they can not find a match, ask them to issue an order to have the filing removed from your report. \n : Company chooses not to provide a public response"},{"Question":"Harborfront Acquisitions Llc threatened with a 48 hr response time if not they would take me to civil court. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Harborfront Acquisitions Llc threatened with a 48 hr response time if not they would take me to civil court. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Citibank unilaterally changed the terms of my home equity loan. The bank stated that I could not use the line of credit to withdraw any money for the last several years. I believe this to be a breach of contract. \n","text":"Company chooses not to provide a public response","context":": Citibank unilaterally changed the terms of my home equity loan. The bank stated that I could not use the line of credit to withdraw any money for the last several years. I believe this to be a breach of contract. \n : Company chooses not to provide a public response"},{"Question":"I owed XXXX {$570.00} back in 2008 which is now off my credit report. This company that calls itself JEFFCAPSYS is trying to get me to pay them for it. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I owed XXXX {$570.00} back in 2008 which is now off my credit report. This company that calls itself JEFFCAPSYS is trying to get me to pay them for it. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I can not get these people to stop calling my home phone they call repeatedly looking for someone I do not know XXXX I am at my wits end with them. \n","text":"Company chooses not to provide a public response","context":": I can not get these people to stop calling my home phone they call repeatedly looking for someone I do not know XXXX I am at my wits end with them. \n : Company chooses not to provide a public response"},{"Question":"Citibank improperly charged interest against my account despite paying the balance in full. \n","text":"Company chooses not to provide a public response","context":": Citibank improperly charged interest against my account despite paying the balance in full. \n : Company chooses not to provide a public response"},{"Question":"I have NOT authorized any credit inquiries for several months yet there are XXXX new credit inquiries on my credit report. I dispute authorizing any credit inquiries \n","text":"Company chooses not to provide a public response","context":": I have NOT authorized any credit inquiries for several months yet there are XXXX new credit inquiries on my credit report. I dispute authorizing any credit inquiries \n : Company chooses not to provide a public response"},{"Question":"I disputed a judgment with Trans Union. It has been 90 dayssince I disputed this error on my credit. They just ignore me and continue to report this error. I am being denied creditdue to their inaccuracies on my credit. This is not my judgment \n","text":"Company chooses not to provide a public response","context":": I disputed a judgment with Trans Union. It has been 90 dayssince I disputed this error on my credit. They just ignore me and continue to report this error. I am being denied creditdue to their inaccuracies on my credit. This is not my judgment \n : Company chooses not to provide a public response"},{"Question":"There are XXXX credit cards on my credit. That are n't mine. I had XXXX XXXX visa card and that one was paid off and closed by me. \n","text":"Company chooses not to provide a public response","context":": There are XXXX credit cards on my credit. That are n't mine. I had XXXX XXXX visa card and that one was paid off and closed by me. \n : Company chooses not to provide a public response"},{"Question":"I deposited a check and Wells Fargo completely cleared my check and failed to tell me that the person who gave me the check was no good ... until 4 months later ... XXXX And expected me to pay the full balance back .... \n","text":"Company chooses not to provide a public response","context":": I deposited a check and Wells Fargo completely cleared my check and failed to tell me that the person who gave me the check was no good ... until 4 months later ... XXXX And expected me to pay the full balance back .... \n : Company chooses not to provide a public response"},{"Question":"Experian.com compromised my credit score with another member. \n","text":"Company chooses not to provide a public response","context":": Experian.com compromised my credit score with another member. \n : Company chooses not to provide a public response"},{"Question":"this debt is over seven years old since it was delinquent. It needs to be removed from my file \n","text":"Company chooses not to provide a public response","context":": this debt is over seven years old since it was delinquent. It needs to be removed from my file \n : Company chooses not to provide a public response"},{"Question":"I paid my loan in full in XX\/XX\/XXXX with loan depot.I have not recieved my ecrow balance back and I noticed today that they took out for my pmi imsurance when I no longer have a loan with them.. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I paid my loan in full in XX\/XX\/XXXX with loan depot.I have not recieved my ecrow balance back and I noticed today that they took out for my pmi imsurance when I no longer have a loan with them.. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"credit card company trusted me enough allow my account to go over limit then they turned around and increased my Bill by XXXX fold without notice. \n","text":"Company chooses not to provide a public response","context":": credit card company trusted me enough allow my account to go over limit then they turned around and increased my Bill by XXXX fold without notice. \n : Company chooses not to provide a public response"},{"Question":"I got a call requesting my ss # and birthday for a debt which I know nothing about. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I got a call requesting my ss # and birthday for a debt which I know nothing about. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Debt collector, XXXX XXXX XXXX XXXX is reporting the incorrect date of first delinquency and re-aging the account adding an additional year. Transunion refuses to correct the date as they state they are not responsible for what is reported and they are not authorized to correct errors. \n","text":"Company chooses not to provide a public response","context":": Debt collector, XXXX XXXX XXXX XXXX is reporting the incorrect date of first delinquency and re-aging the account adding an additional year. Transunion refuses to correct the date as they state they are not responsible for what is reported and they are not authorized to correct errors. \n : Company chooses not to provide a public response"},{"Question":"Gate stone collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law. \n","text":"Company chooses not to provide a public response","context":": Gate stone collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law. \n : Company chooses not to provide a public response"},{"Question":"I XXXX XXXX have and address on my credit report that I never lived at or no nothing about. XXXX XXXX XXXX XXXX XXXX CA XXXX. I do n't know any one in this city or state, I have never been to CA. So I do n't know why this is showing up on my credit report. \n","text":"Company chooses not to provide a public response","context":": I XXXX XXXX have and address on my credit report that I never lived at or no nothing about. XXXX XXXX XXXX XXXX XXXX CA XXXX. I do n't know any one in this city or state, I have never been to CA. So I do n't know why this is showing up on my credit report. \n : Company chooses not to provide a public response"},{"Question":"I checked my cred it report and it now shows a debt from a collection company I have no knowledge of this debt that is in the amount of {$350.00}. The original creditor was XXXX and it is indicating that the the debt was made in XX\/XX\/2015??? \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I checked my cred it report and it now shows a debt from a collection company I have no knowledge of this debt that is in the amount of {$350.00}. The original creditor was XXXX and it is indicating that the the debt was made in XX\/XX\/2015??? \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Some of the collections our from XX\/XX\/XXXX to XX\/XX\/XXXX they have had a charge off from the original. And I have been called for years from other debit collectors. \n","text":"Company chooses not to provide a public response","context":": Some of the collections our from XX\/XX\/XXXX to XX\/XX\/XXXX they have had a charge off from the original. And I have been called for years from other debit collectors. \n : Company chooses not to provide a public response"},{"Question":"I ca n't get either a credit score or report. I 'm afraid I might have gotten identity theft. \n","text":"Company chooses not to provide a public response","context":": I ca n't get either a credit score or report. I 'm afraid I might have gotten identity theft. \n : Company chooses not to provide a public response"},{"Question":"I have dispute this account as not mine to Transunion, but they have not removed the account. This account from XXXX XXXX XXXX is not mine nor do I have any knowledge of the account. \n","text":"Company chooses not to provide a public response","context":": I have dispute this account as not mine to Transunion, but they have not removed the account. This account from XXXX XXXX XXXX is not mine nor do I have any knowledge of the account. \n : Company chooses not to provide a public response"},{"Question":"i never lived at XXXX XXXX XXXX XXXX ca XXXX never had that address ever listed in my life. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": i never lived at XXXX XXXX XXXX XXXX ca XXXX never had that address ever listed in my life. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"XXXX and XXXX were included in my Chapter XXXX I was never late. \n","text":"Company chooses not to provide a public response","context":": XXXX and XXXX were included in my Chapter XXXX I was never late. \n : Company chooses not to provide a public response"},{"Question":"They are calling for someone that is not me They wo n't stop calling. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They are calling for someone that is not me They wo n't stop calling. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have been repeatedly called erroneously to collect a XXXX {$5700.00} claim owed by someone else. I told collector that person does not reside at my home. But they call daily nonetheless. Telephone # calling is XXXX and callback # is XXXX. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I have been repeatedly called erroneously to collect a XXXX {$5700.00} claim owed by someone else. I told collector that person does not reside at my home. But they call daily nonetheless. Telephone # calling is XXXX and callback # is XXXX. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Bank of America juggled my transactions in order to maximize the number of overdraft fees they could charge me. \n","text":"Company chooses not to provide a public response","context":": Bank of America juggled my transactions in order to maximize the number of overdraft fees they could charge me. \n : Company chooses not to provide a public response"},{"Question":"Name is misspelled \n","text":"Company chooses not to provide a public response","context":": Name is misspelled \n : Company chooses not to provide a public response"},{"Question":"Mailing of proceeds of account closeouts from Ally Bank appear to be unduly and purposefully delayed so that Ally Bank benefits from holding onto the related funds at the expense of account owners. \n","text":"Company chooses not to provide a public response","context":": Mailing of proceeds of account closeouts from Ally Bank appear to be unduly and purposefully delayed so that Ally Bank benefits from holding onto the related funds at the expense of account owners. \n : Company chooses not to provide a public response"},{"Question":"I got my annual free credit check and when I look on there I seen XXXX address that are not mine, also it was a name that I did n't recognize on my credit check too, I would to investigate any fraud accounts in my report. \n","text":"Company chooses not to provide a public response","context":": I got my annual free credit check and when I look on there I seen XXXX address that are not mine, also it was a name that I did n't recognize on my credit check too, I would to investigate any fraud accounts in my report. \n : Company chooses not to provide a public response"},{"Question":"Transunion is still reporting a civil judgment on my credit report when it has been paid and should no longer be reporting. \n","text":"Company chooses not to provide a public response","context":": Transunion is still reporting a civil judgment on my credit report when it has been paid and should no longer be reporting. \n : Company chooses not to provide a public response"},{"Question":"there is a XXXX XXXX account on my credit report that is not mine. I have never had a XXXX account nor did I ever authorize the opening of such an account. the account number being reported is XXXX. I have no such account. I have not had any XXXX account. \n","text":"Company chooses not to provide a public response","context":": there is a XXXX XXXX account on my credit report that is not mine. I have never had a XXXX account nor did I ever authorize the opening of such an account. the account number being reported is XXXX. I have no such account. I have not had any XXXX account. \n : Company chooses not to provide a public response"},{"Question":"City Bank\/XXXX Visa will not provide me with a monthly statement and will not resolve the issue and is refusing to dialog with me to resolve the issue. For six months now I have not been able to access my credit card statements. \n","text":"Company chooses not to provide a public response","context":": City Bank\/XXXX Visa will not provide me with a monthly statement and will not resolve the issue and is refusing to dialog with me to resolve the issue. For six months now I have not been able to access my credit card statements. \n : Company chooses not to provide a public response"},{"Question":"I have many things on my credit report that do n't belong to me. Their are addresses that I have never lived at and my name is spelled wrong as well. \n","text":"Company chooses not to provide a public response","context":": I have many things on my credit report that do n't belong to me. Their are addresses that I have never lived at and my name is spelled wrong as well. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX BANK MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NEVER TRYED TO GET A LOAN FOR A CAR \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX BANK MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NEVER TRYED TO GET A LOAN FOR A CAR \n : Company chooses not to provide a public response"},{"Question":"the company refuses to supply a physical bill despite repeated requests. They have threatened to sue me and are requiring charge for any type of request. \n","text":"Company disputes the facts presented in the complaint","context":": the company refuses to supply a physical bill despite repeated requests. They have threatened to sue me and are requiring charge for any type of request. \n : Company disputes the facts presented in the complaint"},{"Question":"I requested a credit report from XXXX, XXXX, and expertain and they refuse to give me a credit report after I was denied credit. \n","text":"Company chooses not to provide a public response","context":": I requested a credit report from XXXX, XXXX, and expertain and they refuse to give me a credit report after I was denied credit. \n : Company chooses not to provide a public response"},{"Question":"Reported a collection item on my credit for XXXX from 2014 ... I did not have XXXX service in 2014 and have not for at least 7 years. I believe I have disputed this before and gotten it removed but have not seen it in several years. Popped up again this month. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Reported a collection item on my credit for XXXX from 2014 ... I did not have XXXX service in 2014 and have not for at least 7 years. I believe I have disputed this before and gotten it removed but have not seen it in several years. Popped up again this month. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Trans union is showing a old debt against me on my credit reporting. I have submitted a dispute with the collection company and suddenlink communications. \n","text":"Company chooses not to provide a public response","context":": Trans union is showing a old debt against me on my credit reporting. I have submitted a dispute with the collection company and suddenlink communications. \n : Company chooses not to provide a public response"},{"Question":"I revived from collection about debts that the XXXX XXXX has place for collection of XXXX and will place the debt on credit history, which so false from property management company. I do owed this debt.. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I revived from collection about debts that the XXXX XXXX has place for collection of XXXX and will place the debt on credit history, which so false from property management company. I do owed this debt.. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am being taken to collections for a service I never requested. I never received a bill, a late payment, any notifications of anything due, nor did i ever receive a phone call or notice of payment from the collector. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am being taken to collections for a service I never requested. I never received a bill, a late payment, any notifications of anything due, nor did i ever receive a phone call or notice of payment from the collector. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Wells Fargo Bank took money from my checking account and put the money towards the principal. The money was for my mortgage. Now I ca n't pay on time because of the late fees. I paid XXXX \n","text":"Company chooses not to provide a public response","context":": Wells Fargo Bank took money from my checking account and put the money towards the principal. The money was for my mortgage. Now I ca n't pay on time because of the late fees. I paid XXXX \n : Company chooses not to provide a public response"},{"Question":"I was a victim of my identity theft. Never recognize or authorize anyone to use my SSN for this account \n","text":"Company chooses not to provide a public response","context":": I was a victim of my identity theft. Never recognize or authorize anyone to use my SSN for this account \n : Company chooses not to provide a public response"},{"Question":"this company Hunter Warfield XXXX has been harassing my family looking for someone who owes them money when we have told them to please stop calling this number and they cont. they are very rude and threaten us with law suits jail etc ... Please make them stop \n","text":"Company believes the complaint is the result of a misunderstanding","context":": this company Hunter Warfield XXXX has been harassing my family looking for someone who owes them money when we have told them to please stop calling this number and they cont. they are very rude and threaten us with law suits jail etc ... Please make them stop \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I WENT TO ORDER MY CREDIT REPORT ON LINE AND IT DENIED ME. \n","text":"Company chooses not to provide a public response","context":": I WENT TO ORDER MY CREDIT REPORT ON LINE AND IT DENIED ME. \n : Company chooses not to provide a public response"},{"Question":"Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX Experian \n","text":"Company chooses not to provide a public response","context":": Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX Experian \n : Company chooses not to provide a public response"},{"Question":"Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX TransunionXXXX \n","text":"Company chooses not to provide a public response","context":": Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX TransunionXXXX \n : Company chooses not to provide a public response"},{"Question":"Look. I am trying to get a credit card? All I am trying to do is pay my bills. Have legit job. BUT all these credit company. All I asking for a credit card. To open a business an started. I been discriminated on because company 's like XXXX XXXX. Other credit card company 's \n","text":"Company chooses not to provide a public response","context":": Look. I am trying to get a credit card? All I am trying to do is pay my bills. Have legit job. BUT all these credit company. All I asking for a credit card. To open a business an started. I been discriminated on because company 's like XXXX XXXX. Other credit card company 's \n : Company chooses not to provide a public response"},{"Question":"account is in bk and they reported everything negative on my cbr i have contacted them a few times trying to get this matter taken care of and have dealt with the rude collections folks who still try and collect on this XXXX balance paid off account \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": account is in bk and they reported everything negative on my cbr i have contacted them a few times trying to get this matter taken care of and have dealt with the rude collections folks who still try and collect on this XXXX balance paid off account \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This creditor is harrasing me at work. They are calling my children repeatedly. \n","text":"Company chooses not to provide a public response","context":": This creditor is harrasing me at work. They are calling my children repeatedly. \n : Company chooses not to provide a public response"},{"Question":"Continued calls, they will not leave a message, No one there if I call back. I had to search the internet to see who they are. I do not know of any debt that I have that is outstanding. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Continued calls, they will not leave a message, No one there if I call back. I had to search the internet to see who they are. I do not know of any debt that I have that is outstanding. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They call repeatably\/ constantly throughout the day and NEVER leave a message nor indicate who they are answered. It has been nonstop for a few months.They call at work and on my cell phone. They have been instructed to only call at home repeatly. \n","text":"Company disputes the facts presented in the complaint","context":": They call repeatably\/ constantly throughout the day and NEVER leave a message nor indicate who they are answered. It has been nonstop for a few months.They call at work and on my cell phone. They have been instructed to only call at home repeatly. \n : Company disputes the facts presented in the complaint"},{"Question":"They have people who have tried to act like they were someone else and not who they profess to be. People are very rude and not very ethical when they are talking to you \n","text":"Company disputes the facts presented in the complaint","context":": They have people who have tried to act like they were someone else and not who they profess to be. People are very rude and not very ethical when they are talking to you \n : Company disputes the facts presented in the complaint"},{"Question":"XXXX is over 10 years old and should not be on my credit report \n","text":"Company chooses not to provide a public response","context":": XXXX is over 10 years old and should not be on my credit report \n : Company chooses not to provide a public response"},{"Question":"I have issues with the transaction of my Mortgage. I attached a formal grievance letter stating the areas of concern regarding the transaction of my mortgage. \n","text":"Company chooses not to provide a public response","context":": I have issues with the transaction of my Mortgage. I attached a formal grievance letter stating the areas of concern regarding the transaction of my mortgage. \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo had withdrawn all of my personal accounts without my concent. They took over XXXX just in my personal account funds. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo had withdrawn all of my personal accounts without my concent. They took over XXXX just in my personal account funds. \n : Company chooses not to provide a public response"},{"Question":"the address from California is that of the person who stole my identity 10 years ago. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": the address from California is that of the person who stole my identity 10 years ago. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"My wife and I cancelled our policy with XXXX but they are trying to charge us for another month of coverage after the cancellation went into effect. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": My wife and I cancelled our policy with XXXX but they are trying to charge us for another month of coverage after the cancellation went into effect. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"All XXXX credit reporting companies do not allow my accessing my report via the website they set up and i do not know why. Please advise. \n","text":"Company chooses not to provide a public response","context":": All XXXX credit reporting companies do not allow my accessing my report via the website they set up and i do not know why. Please advise. \n : Company chooses not to provide a public response"},{"Question":"Citibank did not credit bonus Thank You points on purchase in the special category that lists as giving XXXX Thank You points. \n","text":"Company chooses not to provide a public response","context":": Citibank did not credit bonus Thank You points on purchase in the special category that lists as giving XXXX Thank You points. \n : Company chooses not to provide a public response"},{"Question":"I keep getting a call every other day. I do n't owe no one from this number any money. No one says anything and then hangs up. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I keep getting a call every other day. I do n't owe no one from this number any money. No one says anything and then hangs up. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I keep getting a call from Meridian Financial XXXX. \nI have XXXX debt. \n","text":"Company chooses not to provide a public response","context":": I keep getting a call from Meridian Financial XXXX. \nI have XXXX debt. \n : Company chooses not to provide a public response"},{"Question":"Information that should have been added to my credit profile as i have requested was not and it should be added in order to show positive history and payments just as creditors have the right to report it. \n","text":"Company chooses not to provide a public response","context":": Information that should have been added to my credit profile as i have requested was not and it should be added in order to show positive history and payments just as creditors have the right to report it. \n : Company chooses not to provide a public response"},{"Question":"amount that was sent to collections was {$1500.00}, collection agency is now looking for XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": amount that was sent to collections was {$1500.00}, collection agency is now looking for XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received my annual escrow analysis. Turns out they had been overdeducting to the tune of {$3400.00}. I called and asked for my refund and was told that it takes 30 days. That is not reasonable. Miss a payment for 10 days and you get a penalty. \n","text":"Company chooses not to provide a public response","context":": I received my annual escrow analysis. Turns out they had been overdeducting to the tune of {$3400.00}. I called and asked for my refund and was told that it takes 30 days. That is not reasonable. Miss a payment for 10 days and you get a penalty. \n : Company chooses not to provide a public response"},{"Question":"XXXX is reporting I owe XXXX I have never had a XXXX account after talking to XXXX they informed me its is under the name XXXX XXXX I have never had the last name XXXX this is not my account. I am also contacting my State Attorneys office because this is not mine \n","text":"Company chooses not to provide a public response","context":": XXXX is reporting I owe XXXX I have never had a XXXX account after talking to XXXX they informed me its is under the name XXXX XXXX I have never had the last name XXXX this is not my account. I am also contacting my State Attorneys office because this is not mine \n : Company chooses not to provide a public response"},{"Question":"I need to get a secure alert apparently somebody opened a account on my name that I did n't open on XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I need to get a secure alert apparently somebody opened a account on my name that I did n't open on XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Mortgage Payment was taken from the checking account account, but not applied to the Mortgage account. Further, credit rating agencies were informed that my account was delinquent, which resulted in credit being adversely affected. Thereafter business loans could not be obtained. \n","text":"Company chooses not to provide a public response","context":": Mortgage Payment was taken from the checking account account, but not applied to the Mortgage account. Further, credit rating agencies were informed that my account was delinquent, which resulted in credit being adversely affected. Thereafter business loans could not be obtained. \n : Company chooses not to provide a public response"},{"Question":"Interest rates seemHigher than normal rates even with credit worthy co signer \n","text":"Company chooses not to provide a public response","context":": Interest rates seemHigher than normal rates even with credit worthy co signer \n : Company chooses not to provide a public response"},{"Question":"An unauthorized charge appeared on my credit card statement from XXXX XXXX in the amount of {$29.00} ( on XXXX\/XXXX\/2015 ) and I am having trouble getting credit card company Juniper\/Barclaycard to remove the charge from my statement. I never authorized the charge. \n","text":"Company chooses not to provide a public response","context":": An unauthorized charge appeared on my credit card statement from XXXX XXXX in the amount of {$29.00} ( on XXXX\/XXXX\/2015 ) and I am having trouble getting credit card company Juniper\/Barclaycard to remove the charge from my statement. I never authorized the charge. \n : Company chooses not to provide a public response"},{"Question":"There is a bogus address listing on my credit reports - I have never lived outside XXXX. There is an XXXX address listed, per my XXXX provider -when they pulled up my name.??? Help! \n","text":"Company chooses not to provide a public response","context":": There is a bogus address listing on my credit reports - I have never lived outside XXXX. There is an XXXX address listed, per my XXXX provider -when they pulled up my name.??? Help! \n : Company chooses not to provide a public response"},{"Question":"Someone got a credit card in my name \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Someone got a credit card in my name \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"All XXXX credit bureaus list XXXX state tax liens as active ; however these liens were both released by the state and I have a copy of the release documents from the state. \n","text":"Company chooses not to provide a public response","context":": All XXXX credit bureaus list XXXX state tax liens as active ; however these liens were both released by the state and I have a copy of the release documents from the state. \n : Company chooses not to provide a public response"},{"Question":"Personal information hacked from records at the Department of Veterans. \nAffairs. Had to cancelled and be reissued bank card and credit cards. \nAttempts to purchase credit card by hacker cause hard hits on my credit report. \n","text":"Company chooses not to provide a public response","context":": Personal information hacked from records at the Department of Veterans. \nAffairs. Had to cancelled and be reissued bank card and credit cards. \nAttempts to purchase credit card by hacker cause hard hits on my credit report. \n : Company chooses not to provide a public response"},{"Question":"when you contact this mortgage company you do n't get to talk to person. you leave a voice mail and they tell you they will get back to you in 24 hours and they never do. trying to get the loan redone and very little help from them. \n","text":"Company chooses not to provide a public response","context":": when you contact this mortgage company you do n't get to talk to person. you leave a voice mail and they tell you they will get back to you in 24 hours and they never do. trying to get the loan redone and very little help from them. \n : Company chooses not to provide a public response"},{"Question":"My purse was stolen and I filed an identity theft. I see that my name is wrong and an address listed. I never lived at XXXX XXXX as reported on my credit report. I never misspell my name. \n","text":"Company chooses not to provide a public response","context":": My purse was stolen and I filed an identity theft. I see that my name is wrong and an address listed. I never lived at XXXX XXXX as reported on my credit report. I never misspell my name. \n : Company chooses not to provide a public response"},{"Question":"The XXXX charges on my credit account has been paid in full, and have not been removed from my credit acct, which causes me to have a lower score than I should. Please look into this matter, as it hinders me from obtaining credit. \n","text":"Company chooses not to provide a public response","context":": The XXXX charges on my credit account has been paid in full, and have not been removed from my credit acct, which causes me to have a lower score than I should. Please look into this matter, as it hinders me from obtaining credit. \n : Company chooses not to provide a public response"},{"Question":"COLLECTOR FAILED TO VALIDATE, CALL MY DAD AND SENT COLLECTIONS TO HIS HOUSE AND HAVE BEEN GETTING PHONE CALLS IN VIOLATION OF FDCPA AND TCPA \n","text":"Company disputes the facts presented in the complaint","context":": COLLECTOR FAILED TO VALIDATE, CALL MY DAD AND SENT COLLECTIONS TO HIS HOUSE AND HAVE BEEN GETTING PHONE CALLS IN VIOLATION OF FDCPA AND TCPA \n : Company disputes the facts presented in the complaint"},{"Question":"I request a XXXX credit report and the report indicates a Florida address, phone and an account with Wells Fargo Bank that are not mine. I communicate with Wells Fargo Bank and I have no options for removing this account does not belong to me. I have been a victim of identity theft. \n","text":"Company chooses not to provide a public response","context":": I request a XXXX credit report and the report indicates a Florida address, phone and an account with Wells Fargo Bank that are not mine. I communicate with Wells Fargo Bank and I have no options for removing this account does not belong to me. I have been a victim of identity theft. \n : Company chooses not to provide a public response"},{"Question":"Someone opened a credit card in my name at XXXX XXXX. We have contacted the creditor, but need to pursue whatever is necessary to have this removed from my credit \n","text":"Company chooses not to provide a public response","context":": Someone opened a credit card in my name at XXXX XXXX. We have contacted the creditor, but need to pursue whatever is necessary to have this removed from my credit \n : Company chooses not to provide a public response"},{"Question":"I checked my credit report and there is information about a debt in the amount of {$670.00} that is not mine. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I checked my credit report and there is information about a debt in the amount of {$670.00} that is not mine. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"im in the process of identity theft from my family members using my ss number and drivers license which they had no permission to use in the first place! \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": im in the process of identity theft from my family members using my ss number and drivers license which they had no permission to use in the first place! \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"XXXX XXXX at XXXX XXXX called me and told me that I was going to have a warrant for my arrest if I did n't make a payment on a debt from 5 years ago. They were attempting to get XXXX in total. I blindly sent XXXX dollars to these con-artist. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX XXXX at XXXX XXXX called me and told me that I was going to have a warrant for my arrest if I did n't make a payment on a debt from 5 years ago. They were attempting to get XXXX in total. I blindly sent XXXX dollars to these con-artist. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"MY NAME IS XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, IL.XXXX. I AM WRITING TO FILE A COMPLAINT ABOUT A COMPANY CALL CORELOGIC \/ CREDCO. TO FIND OUT WHY CREDCO HAS MY SOCIAL SECURITY NUMBER AND HOW DID CREDCO GET MY SOCIAL SECURITY. \n","text":"Company chooses not to provide a public response","context":": MY NAME IS XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, IL.XXXX. I AM WRITING TO FILE A COMPLAINT ABOUT A COMPANY CALL CORELOGIC \/ CREDCO. TO FIND OUT WHY CREDCO HAS MY SOCIAL SECURITY NUMBER AND HOW DID CREDCO GET MY SOCIAL SECURITY. \n : Company chooses not to provide a public response"},{"Question":"This account is closed since XXXX\/XXXX\/09 and still showing om my credit report XXXX. \n","text":"Company chooses not to provide a public response","context":": This account is closed since XXXX\/XXXX\/09 and still showing om my credit report XXXX. \n : Company chooses not to provide a public response"},{"Question":"This account was closed on XXXX\/XXXX\/11 want to be removed from my credit it 's already more than 4 years. \n","text":"Company chooses not to provide a public response","context":": This account was closed on XXXX\/XXXX\/11 want to be removed from my credit it 's already more than 4 years. \n : Company chooses not to provide a public response"},{"Question":"This account was closed on XXXX\/XXXX\/13 want to be removed from my credit. \n","text":"Company chooses not to provide a public response","context":": This account was closed on XXXX\/XXXX\/13 want to be removed from my credit. \n : Company chooses not to provide a public response"},{"Question":"i just see a debt on my credit report thru ars from XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i just see a debt on my credit report thru ars from XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"it is automated they just say to call but do not relinquish a name who they are calling for \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": it is automated they just say to call but do not relinquish a name who they are calling for \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is an item listed on my credit file that is unknown. I have tried to request validation and dispute this item and have received nothing. I 'm in need of some help from your agency. \n","text":"Company chooses not to provide a public response","context":": There is an item listed on my credit file that is unknown. I have tried to request validation and dispute this item and have received nothing. I 'm in need of some help from your agency. \n : Company chooses not to provide a public response"},{"Question":"Deposited XXXX $ into an ATM, it spit back XXXX $ the machine then ended the transaction with no credit to my account. Contacted bank ( BBT ) they started a review and then credited my account XXXX $ shorting me XXXX $ \n","text":"Company chooses not to provide a public response","context":": Deposited XXXX $ into an ATM, it spit back XXXX $ the machine then ended the transaction with no credit to my account. Contacted bank ( BBT ) they started a review and then credited my account XXXX $ shorting me XXXX $ \n : Company chooses not to provide a public response"},{"Question":"Credit card issuer is reporting inaccurate information to my credit reports in violation of the FCRA. \n","text":"Company chooses not to provide a public response","context":": Credit card issuer is reporting inaccurate information to my credit reports in violation of the FCRA. \n : Company chooses not to provide a public response"},{"Question":"After Chapter XXXX bankruptcy discharged, TransUnion continues to report multiple judgments on my credit file. XXXX agency deleted these judgments but TransUnion and XXXX continue to report. \n","text":"Company chooses not to provide a public response","context":": After Chapter XXXX bankruptcy discharged, TransUnion continues to report multiple judgments on my credit file. XXXX agency deleted these judgments but TransUnion and XXXX continue to report. \n : Company chooses not to provide a public response"},{"Question":"I was able to view my Experian Credit report online and investigate negative information. At this time when I try to enter in my information though experian.com the site will NOT let me view my information. And Experian will not let me investigate my negative information. \n","text":"Company chooses not to provide a public response","context":": I was able to view my Experian Credit report online and investigate negative information. At this time when I try to enter in my information though experian.com the site will NOT let me view my information. And Experian will not let me investigate my negative information. \n : Company chooses not to provide a public response"},{"Question":"the original creditor illegally keeps XXXX sets of books and applies the payments to the wrong books. the debt collector needs to provide a complete accounting of both sets of books showing I had an overall positive balance with them at ALL points in time. \n","text":"Company chooses not to provide a public response","context":": the original creditor illegally keeps XXXX sets of books and applies the payments to the wrong books. the debt collector needs to provide a complete accounting of both sets of books showing I had an overall positive balance with them at ALL points in time. \n : Company chooses not to provide a public response"},{"Question":"We have been trying to reach SPS Servicing for a HAMP modification but have not been successful reaching them or getting them to send us the paperwork. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": We have been trying to reach SPS Servicing for a HAMP modification but have not been successful reaching them or getting them to send us the paperwork. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"the questions they asked me i answered them correctly to my knowledge ... and couldnt get report might be fraud \n","text":"Company chooses not to provide a public response","context":": the questions they asked me i answered them correctly to my knowledge ... and couldnt get report might be fraud \n : Company chooses not to provide a public response"},{"Question":"This company has reported a a amount owed for a XXXX account which I have paid when I returned my phone \n","text":"Company chooses not to provide a public response","context":": This company has reported a a amount owed for a XXXX account which I have paid when I returned my phone \n : Company chooses not to provide a public response"},{"Question":"There is a address for : XXXX XXXX XXXX, MI XXXX However this address does not belong to me or have I ever lived there. This is a home to my father and mother and my father and I have the same name, but i have no ties to this property. \n","text":"Company chooses not to provide a public response","context":": There is a address for : XXXX XXXX XXXX, MI XXXX However this address does not belong to me or have I ever lived there. This is a home to my father and mother and my father and I have the same name, but i have no ties to this property. \n : Company chooses not to provide a public response"},{"Question":"my credit line was reduced from XXXX to XXXX after a lump sum payment I recently made of XXXX my payment history has never been late since its inception. \n","text":"Company chooses not to provide a public response","context":": my credit line was reduced from XXXX to XXXX after a lump sum payment I recently made of XXXX my payment history has never been late since its inception. \n : Company chooses not to provide a public response"},{"Question":"Judgment was dismissed and settled ... never should have been placed on credit report per court agreement and settlement. \n","text":"Company chooses not to provide a public response","context":": Judgment was dismissed and settled ... never should have been placed on credit report per court agreement and settlement. \n : Company chooses not to provide a public response"},{"Question":"debts were paid in full with one payment months ago and still show unpaid \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": debts were paid in full with one payment months ago and still show unpaid \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"COLLECTORS KEEP REPORTING COLLECTING, CALLING ETC.. ESPECIALLY AFTER CEASE AND DESIST ORDERIN PLACE SINCE 2008 SEE LETTER FROM XXXX. \n","text":"Company chooses not to provide a public response","context":": COLLECTORS KEEP REPORTING COLLECTING, CALLING ETC.. ESPECIALLY AFTER CEASE AND DESIST ORDERIN PLACE SINCE 2008 SEE LETTER FROM XXXX. \n : Company chooses not to provide a public response"},{"Question":"I am an ID theft victim tried to notify the bank. They ignored me closed my accounts horrible service. And never got my pay checks that were direct deposited into the account. \n","text":"Company chooses not to provide a public response","context":": I am an ID theft victim tried to notify the bank. They ignored me closed my accounts horrible service. And never got my pay checks that were direct deposited into the account. \n : Company chooses not to provide a public response"},{"Question":"WAKEFIELD WAS SENT A CEASE AND DESIST AND DON ; T CALL LETTERS IN XXXX. WE STILL GET CALLES FROM THEM IN VIOLATION OF FDCPA AND TCPA, SEE PHONE RECORDS AND VIOCE RECORDINGS ATTACHED. \n","text":"Company chooses not to provide a public response","context":": WAKEFIELD WAS SENT A CEASE AND DESIST AND DON ; T CALL LETTERS IN XXXX. WE STILL GET CALLES FROM THEM IN VIOLATION OF FDCPA AND TCPA, SEE PHONE RECORDS AND VIOCE RECORDINGS ATTACHED. \n : Company chooses not to provide a public response"},{"Question":"Debt was paid in full. \n\nCollection agency violated section 15 U.S.C. 1692 of FDPAAsloduring discussion with agency they failed to provide accurate information despite my attempt to secure sameThey reported an inaccurate debt to credit bureau \n","text":"Company chooses not to provide a public response","context":": Debt was paid in full. \n\nCollection agency violated section 15 U.S.C. 1692 of FDPAAsloduring discussion with agency they failed to provide accurate information despite my attempt to secure sameThey reported an inaccurate debt to credit bureau \n : Company chooses not to provide a public response"},{"Question":"Accounts sold to other collectors right before it 's to be taken off of my report not to mention they 're all medical bills and are n't supposed to affect credit score \n","text":"Company chooses not to provide a public response","context":": Accounts sold to other collectors right before it 's to be taken off of my report not to mention they 're all medical bills and are n't supposed to affect credit score \n : Company chooses not to provide a public response"},{"Question":"I RECEIVED THESE XXXX STATEMENTS, I DO N'T OWE ANY OF THESE, NEVER BOUGHT ANY XXXX PRODUCTS, I CONTACTED THEM AND THEY DO N'T FIND ANY OF THOSE ACCAUNTS, THIS COULD BE AN SCAM \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I RECEIVED THESE XXXX STATEMENTS, I DO N'T OWE ANY OF THESE, NEVER BOUGHT ANY XXXX PRODUCTS, I CONTACTED THEM AND THEY DO N'T FIND ANY OF THOSE ACCAUNTS, THIS COULD BE AN SCAM \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"trided to get mod wells fargo would not give me one \n","text":"Company chooses not to provide a public response","context":": trided to get mod wells fargo would not give me one \n : Company chooses not to provide a public response"},{"Question":"the date is wrong when the collection was put on my credit report 1.It was in 2009 when it was in collections2.the amount is different from when first put in collections \n","text":"Company chooses not to provide a public response","context":": the date is wrong when the collection was put on my credit report 1.It was in 2009 when it was in collections2.the amount is different from when first put in collections \n : Company chooses not to provide a public response"},{"Question":"The credit bureau Experian failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. \nUnder Section 611 ( 5 ) ( A ) of the FCRA- you are required to \" promptly DELETE all information which can not be verified '' \n","text":"Company chooses not to provide a public response","context":": The credit bureau Experian failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. \nUnder Section 611 ( 5 ) ( A ) of the FCRA- you are required to \" promptly DELETE all information which can not be verified '' \n : Company chooses not to provide a public response"},{"Question":"Never worked for \" XXXX XXXX XXXX ''. Worked for XXXX XXXX from XX\/XX\/XXXX to XX\/XX\/XXXX. Previous work history does not include this real estate company. \n","text":"Company chooses not to provide a public response","context":": Never worked for \" XXXX XXXX XXXX ''. Worked for XXXX XXXX from XX\/XX\/XXXX to XX\/XX\/XXXX. Previous work history does not include this real estate company. \n : Company chooses not to provide a public response"},{"Question":"i tried to order my credit report from experian on line and they could not verify my information, when i then orderd in the mail they sent me someone elses credit report that does not belong to me, i now have someone elses personal information \n","text":"Company chooses not to provide a public response","context":": i tried to order my credit report from experian on line and they could not verify my information, when i then orderd in the mail they sent me someone elses credit report that does not belong to me, i now have someone elses personal information \n : Company chooses not to provide a public response"},{"Question":"Cashcall calls up to XXXX times a day in regards to a missing payment. They use different numbers to call from and sometimes they leave messages and sometimes they do n't. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Cashcall calls up to XXXX times a day in regards to a missing payment. They use different numbers to call from and sometimes they leave messages and sometimes they do n't. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX \n","text":"Company chooses not to provide a public response","context":": I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX \n : Company chooses not to provide a public response"},{"Question":"i noticed i have XXXX hard inquires my report i did not apply for XXXX, XXXX.XXXX how doi get them off.i am trying to raise my score and i have read these are not good i am a new member and i thank you so much for all this information '' i would not even know about these inquires!!!! \n","text":"Company chooses not to provide a public response","context":": i noticed i have XXXX hard inquires my report i did not apply for XXXX, XXXX.XXXX how doi get them off.i am trying to raise my score and i have read these are not good i am a new member and i thank you so much for all this information '' i would not even know about these inquires!!!! \n : Company chooses not to provide a public response"},{"Question":"FBCS has placed a collection item on my XXXX credit report and done so without contacting me before-hand.I Just realized about the collection after getting an an alert on my credit bureau. \n\nI have no idea of the debt, \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": FBCS has placed a collection item on my XXXX credit report and done so without contacting me before-hand.I Just realized about the collection after getting an an alert on my credit bureau. \n\nI have no idea of the debt, \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX misapplied my payments. I have submitted to Transunion cancelled checks supporting my contention, ALL BILLS WERE PAID ON TIME They have adjusted the current parts, but wo n't correct the past errors \n","text":"Company chooses not to provide a public response","context":": XXXX misapplied my payments. I have submitted to Transunion cancelled checks supporting my contention, ALL BILLS WERE PAID ON TIME They have adjusted the current parts, but wo n't correct the past errors \n : Company chooses not to provide a public response"},{"Question":"Trying to complete load modification \n","text":"Company chooses not to provide a public response","context":": Trying to complete load modification \n : Company chooses not to provide a public response"},{"Question":"my credit is wrong i never had a credit card or apply for any credit card \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": my credit is wrong i never had a credit card or apply for any credit card \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"lvnv funding is reporting on an account that has been deleted and is at least 7 years old. the original creditor is not even reporting on my credit report anymore \n","text":"Company chooses not to provide a public response","context":": lvnv funding is reporting on an account that has been deleted and is at least 7 years old. the original creditor is not even reporting on my credit report anymore \n : Company chooses not to provide a public response"},{"Question":"My mortgage company, Pacific Union refused to pay my homeowners insurance and taxes from the escrow account. As a result our homeowners insurance was cancelled and my husband and I became delinquent on our taxes. \n","text":"Company believes complaint is the result of an isolated error","context":": My mortgage company, Pacific Union refused to pay my homeowners insurance and taxes from the escrow account. As a result our homeowners insurance was cancelled and my husband and I became delinquent on our taxes. \n : Company believes complaint is the result of an isolated error"},{"Question":"Barclays Bank pulled a hard inquiry on my account after my account was paid in FULL. \n","text":"Company chooses not to provide a public response","context":": Barclays Bank pulled a hard inquiry on my account after my account was paid in FULL. \n : Company chooses not to provide a public response"},{"Question":"I have sent Trans Union numerous requests asking them to please investigate and correct some accounts in my credit report\/file that are reporting incorrectly and they are not responding. \n","text":"Company chooses not to provide a public response","context":": I have sent Trans Union numerous requests asking them to please investigate and correct some accounts in my credit report\/file that are reporting incorrectly and they are not responding. \n : Company chooses not to provide a public response"},{"Question":"Says I lived in XXXX. I 've Never in my life lived there. I 'm born, raised, and still a XXXX female. \nPlease remove that XXXX address. \nThank you. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Says I lived in XXXX. I 've Never in my life lived there. I 'm born, raised, and still a XXXX female. \nPlease remove that XXXX address. \nThank you. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"They have been harassing us for a month. They only let it ring 2 times then hang up. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They have been harassing us for a month. They only let it ring 2 times then hang up. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I requested a credit report from Transunion, XXXX, and XXXX and they refuse to give me a credit report after I was denied credit. \n","text":"Company chooses not to provide a public response","context":": I requested a credit report from Transunion, XXXX, and XXXX and they refuse to give me a credit report after I was denied credit. \n : Company chooses not to provide a public response"},{"Question":"Bank of America did not send me an XXXX statement. As a result they could charge me a late fee for not paying on time and increasing my APR ( on my XXXX statement ). I have disputed this fraud practice multiple times but BAC refuses to address my concerns. \n","text":"Company chooses not to provide a public response","context":": Bank of America did not send me an XXXX statement. As a result they could charge me a late fee for not paying on time and increasing my APR ( on my XXXX statement ). I have disputed this fraud practice multiple times but BAC refuses to address my concerns. \n : Company chooses not to provide a public response"},{"Question":"Redeemed cd at BB & T bank, XXXX XXXX, PA. They were unable to give me either a check or cash. Had to open a checking acct to have access to my funds. Did not want a checking acct. fortunately was able to close out that acct the next day at another branch. \n","text":"Company chooses not to provide a public response","context":": Redeemed cd at BB & T bank, XXXX XXXX, PA. They were unable to give me either a check or cash. Had to open a checking acct to have access to my funds. Did not want a checking acct. fortunately was able to close out that acct the next day at another branch. \n : Company chooses not to provide a public response"},{"Question":"A charge was posted on my credit report which I constantly request proof of how this debt was incurred. I have not received any proof the debt belongs to meXXXX XXXX \n","text":"Company believes the complaint is the result of a misunderstanding","context":": A charge was posted on my credit report which I constantly request proof of how this debt was incurred. I have not received any proof the debt belongs to meXXXX XXXX \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"XXXX reported false information on my credit this is not my debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX reported false information on my credit this is not my debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Experian is reporting inaccurate information on my Credit report and said information does not belong to me. Experian has re-aged the inaccurate information on my credit since 1998 and is in violation of several federal laws. The information does not belong to me. \n","text":"Company chooses not to provide a public response","context":": Experian is reporting inaccurate information on my Credit report and said information does not belong to me. Experian has re-aged the inaccurate information on my credit since 1998 and is in violation of several federal laws. The information does not belong to me. \n : Company chooses not to provide a public response"},{"Question":"Threatening to visit my home or job \n","text":"Company can't verify or dispute the facts in the complaint","context":": Threatening to visit my home or job \n : Company can't verify or dispute the facts in the complaint"},{"Question":"SOUTHWEST CREDIT KEEPS CALLING MY CELL AND PARENTS PHONE IN VIOLATION TCPA, THESE ARE ROBO CALLS AND HAVE VOICE AND CALLING LOGS ETC.. 7 CALLS IN 3 DAYS \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": SOUTHWEST CREDIT KEEPS CALLING MY CELL AND PARENTS PHONE IN VIOLATION TCPA, THESE ARE ROBO CALLS AND HAVE VOICE AND CALLING LOGS ETC.. 7 CALLS IN 3 DAYS \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"chex systems has account or file on me and I also reporting that some one used my information they never take off I can not use bank account to put my goverment chexevery mouth \n","text":"Company chooses not to provide a public response","context":": chex systems has account or file on me and I also reporting that some one used my information they never take off I can not use bank account to put my goverment chexevery mouth \n : Company chooses not to provide a public response"},{"Question":"Trying to split the bill multiple times to collect XXXX debt. Plus I had insurance at the time trying to get them to pay their part \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Trying to split the bill multiple times to collect XXXX debt. Plus I had insurance at the time trying to get them to pay their part \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Have disputed several fraudulent accounts on my credit report with TransUnion and submitted FTC Identity Theft Affidavit\/Report ( OMB control # XXXX, FTC reference number XXXX ) but they have chosen to not remove all of the fraudulent account information. \n","text":"Company chooses not to provide a public response","context":": Have disputed several fraudulent accounts on my credit report with TransUnion and submitted FTC Identity Theft Affidavit\/Report ( OMB control # XXXX, FTC reference number XXXX ) but they have chosen to not remove all of the fraudulent account information. \n : Company chooses not to provide a public response"},{"Question":"Address I never lived at \n","text":"Company chooses not to provide a public response","context":": Address I never lived at \n : Company chooses not to provide a public response"},{"Question":"I have a loan with a company that has been continuous going up on my payments without my knowledge. Repossessed the car and still charging me as if I had the car will not answer any phone calls that have been made to attempt to clear up this matter. \n","text":"Company chooses not to provide a public response","context":": I have a loan with a company that has been continuous going up on my payments without my knowledge. Repossessed the car and still charging me as if I had the car will not answer any phone calls that have been made to attempt to clear up this matter. \n : Company chooses not to provide a public response"},{"Question":"I keep being harassed by this company. They call my cell phone very late a night and they insult me and describe me as a \" not a real man ''. \n","text":"Company disputes the facts presented in the complaint","context":": I keep being harassed by this company. They call my cell phone very late a night and they insult me and describe me as a \" not a real man ''. \n : Company disputes the facts presented in the complaint"},{"Question":"I redeemed my credit card points XXXX of them and the agreement was that I was to receive full value for the points {$55.00}. The organization after the fact closed my account and is preventing me from receiving full value for the points that I have earned by using my credit card. \n","text":"Company chooses not to provide a public response","context":": I redeemed my credit card points XXXX of them and the agreement was that I was to receive full value for the points {$55.00}. The organization after the fact closed my account and is preventing me from receiving full value for the points that I have earned by using my credit card. \n : Company chooses not to provide a public response"},{"Question":"My wife and I filed bankruptcy in XXXX XXXX. The bankruptcy was discharged in XXXX XXXX. A Wells Fargo credit card was included in the bankruptcy. Wells Fargo continues to report the balance is owed and payments are delinquent. \n","text":"Company chooses not to provide a public response","context":": My wife and I filed bankruptcy in XXXX XXXX. The bankruptcy was discharged in XXXX XXXX. A Wells Fargo credit card was included in the bankruptcy. Wells Fargo continues to report the balance is owed and payments are delinquent. \n : Company chooses not to provide a public response"},{"Question":"Paid Vendors of all the credit bureau Agency 's have reported negative information without proper verification. I have disputed accounts listed and requested to have the verification\/affidavit of the person who has verified as accurate and I have been denied the information. \n","text":"Company chooses not to provide a public response","context":": Paid Vendors of all the credit bureau Agency 's have reported negative information without proper verification. I have disputed accounts listed and requested to have the verification\/affidavit of the person who has verified as accurate and I have been denied the information. \n : Company chooses not to provide a public response"},{"Question":"My account is NOT in collections. I have spoke with the medical center where I received treatment and verified this, \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My account is NOT in collections. I have spoke with the medical center where I received treatment and verified this, \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I tried to get my credit report and it tells me my information does not match what 's on file. \n","text":"Company chooses not to provide a public response","context":": I tried to get my credit report and it tells me my information does not match what 's on file. \n : Company chooses not to provide a public response"},{"Question":"National Recovery Agency insist that I owe {$5700.00} in charges. I am a victim of Identity Theft. I was recently contacted by the United States XXXX XXXX XXXX XXXX informing me that I was a victim of ID theft. They informed me that my information has been compromised. \n","text":"Company can't verify or dispute the facts in the complaint","context":": National Recovery Agency insist that I owe {$5700.00} in charges. I am a victim of Identity Theft. I was recently contacted by the United States XXXX XXXX XXXX XXXX informing me that I was a victim of ID theft. They informed me that my information has been compromised. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Wells Fargo is refusing to remove data from our credit report. Wells Fargo reported we were late on a mortgage payment after the loan was paid off in full. We were specifically told to make no further payments to Wells Fargo. \nTheir action has severely damaged my family 's credit. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo is refusing to remove data from our credit report. Wells Fargo reported we were late on a mortgage payment after the loan was paid off in full. We were specifically told to make no further payments to Wells Fargo. \nTheir action has severely damaged my family 's credit. \n : Company chooses not to provide a public response"},{"Question":"Santander Bank declined a debit card transaction even though my account had sufficent funds to cover the amount. \n","text":"Company chooses not to provide a public response","context":": Santander Bank declined a debit card transaction even though my account had sufficent funds to cover the amount. \n : Company chooses not to provide a public response"},{"Question":"Credit Denial : Unjustified Credit Denial by Barclay No legal justification for closing a credit card account : The account did not have any charges or missed payments or debt. \n","text":"Company chooses not to provide a public response","context":": Credit Denial : Unjustified Credit Denial by Barclay No legal justification for closing a credit card account : The account did not have any charges or missed payments or debt. \n : Company chooses not to provide a public response"},{"Question":"there is a report on Transunion XXXX that states XXXX. no other notes. I called XXXX and they stated they can not find anything on my account. Nothing that should have ever been reported. \n","text":"Company chooses not to provide a public response","context":": there is a report on Transunion XXXX that states XXXX. no other notes. I called XXXX and they stated they can not find anything on my account. Nothing that should have ever been reported. \n : Company chooses not to provide a public response"},{"Question":"I keep getting phone calls from this company threatening all sorts of consequences, but I do NOT owe whatever they are calling about. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I keep getting phone calls from this company threatening all sorts of consequences, but I do NOT owe whatever they are calling about. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Debt is being reported on my credit report and I have not knowledge of debt. No contact has ever been made with me concerning debt, not attempts to notify or collect debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt is being reported on my credit report and I have not knowledge of debt. No contact has ever been made with me concerning debt, not attempts to notify or collect debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My paycheck was garnished by Wakefield and Associates, they FORGOT to quit garnishing it and are refusing to return the money in a timely manner. \n","text":"Company chooses not to provide a public response","context":": My paycheck was garnished by Wakefield and Associates, they FORGOT to quit garnishing it and are refusing to return the money in a timely manner. \n : Company chooses not to provide a public response"},{"Question":"I have allot of inquires on my credit report because i was shopping for an auto loan i feel they need to be lumped together but they never where and its impacting me in a negative way. \n","text":"Company chooses not to provide a public response","context":": I have allot of inquires on my credit report because i was shopping for an auto loan i feel they need to be lumped together but they never where and its impacting me in a negative way. \n : Company chooses not to provide a public response"},{"Question":"The name is not XXXX XXXX XXXX, but XXXX XXXX, XXXX. I have never lived at XXXX XXXX XXXX, XXXX XXXX , CA. My brother did! \n","text":"Company chooses not to provide a public response","context":": The name is not XXXX XXXX XXXX, but XXXX XXXX, XXXX. I have never lived at XXXX XXXX XXXX, XXXX XXXX , CA. My brother did! \n : Company chooses not to provide a public response"},{"Question":"I have never been able to get my free annual credit report from TransUnion, but i was able to get annual free credit report of XXXX and XXXX until two or three years ago. I complained then, but cant remember what the response was. \n","text":"Company chooses not to provide a public response","context":": I have never been able to get my free annual credit report from TransUnion, but i was able to get annual free credit report of XXXX and XXXX until two or three years ago. I complained then, but cant remember what the response was. \n : Company chooses not to provide a public response"},{"Question":"The collection company keeps calling my office number. Looking for a person we do not know here and had never work for us either. I keep asking to take the number off their list and nothing happens. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The collection company keeps calling my office number. Looking for a person we do not know here and had never work for us either. I keep asking to take the number off their list and nothing happens. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"CAN NOT GET A COPY OR INTO REPORT ONLINE, WHILE I HAVE BEEN AWAY ATXXXX XXXX XXXX XXXX I THINK MY PARENTS ARE USING MY SOCIAL SECURITY NUMBER, INCLUDING A ELECTRIC BILL THAT I JUST GOT \n","text":"Company chooses not to provide a public response","context":": CAN NOT GET A COPY OR INTO REPORT ONLINE, WHILE I HAVE BEEN AWAY ATXXXX XXXX XXXX XXXX I THINK MY PARENTS ARE USING MY SOCIAL SECURITY NUMBER, INCLUDING A ELECTRIC BILL THAT I JUST GOT \n : Company chooses not to provide a public response"},{"Question":"My credit report still showing an auto loan which was pay XXXX\/XXXX\/2010 to SunTrust bank. How long take to clear that account from my credit report. \n\nXXXX XXXX \n","text":"Company chooses not to provide a public response","context":": My credit report still showing an auto loan which was pay XXXX\/XXXX\/2010 to SunTrust bank. How long take to clear that account from my credit report. \n\nXXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Frederick Hanna and associates continues to get summary judgements on cases without getting hearings by judges even iif request hearing in writing to judges, wonder if judges are more in agreement with Frederick Hanna than the defendant in all cases? \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Frederick Hanna and associates continues to get summary judgements on cases without getting hearings by judges even iif request hearing in writing to judges, wonder if judges are more in agreement with Frederick Hanna than the defendant in all cases? \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX BANK is not factual and after I paid debt I was promised of removal. \n","text":"Company chooses not to provide a public response","context":": XXXX BANK is not factual and after I paid debt I was promised of removal. \n : Company chooses not to provide a public response"},{"Question":"There is a negative mark on my credit report which is untrue and needs to be removed. I 've contacted the company several times via postal mail but have, to date, received no response. This debt was satisfied via having my wages garnished. \n","text":"Company chooses not to provide a public response","context":": There is a negative mark on my credit report which is untrue and needs to be removed. I 've contacted the company several times via postal mail but have, to date, received no response. This debt was satisfied via having my wages garnished. \n : Company chooses not to provide a public response"},{"Question":"COLLECTOR FAILED TO VALIDATE SAID. I DO NOT OWN SAID DEBT AND KEEP ATTEMPTING TO COLLECT IN VIOLATION FCRA, FDCPA AND TCPA. \n","text":"Company disputes the facts presented in the complaint","context":": COLLECTOR FAILED TO VALIDATE SAID. I DO NOT OWN SAID DEBT AND KEEP ATTEMPTING TO COLLECT IN VIOLATION FCRA, FDCPA AND TCPA. \n : Company disputes the facts presented in the complaint"},{"Question":"This is an attempt to amend my complaint number XXXX by adding my telephone numer. Number was omitted in first complaint. \n\nThe debt for which I am being constantly harassed is my son 's wife ' s debt. \n","text":"Company can't verify or dispute the facts in the complaint","context":": This is an attempt to amend my complaint number XXXX by adding my telephone numer. Number was omitted in first complaint. \n\nThe debt for which I am being constantly harassed is my son 's wife ' s debt. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I have XXXX parent plus loans to pay off. This company has added XXXX additional fees to each loan totaling {$13000.00} Extra they are collecting on the plus loans and the fees go up each month. \n","text":"Company chooses not to provide a public response","context":": I have XXXX parent plus loans to pay off. This company has added XXXX additional fees to each loan totaling {$13000.00} Extra they are collecting on the plus loans and the fees go up each month. \n : Company chooses not to provide a public response"},{"Question":"Bank of America foreclosed on me wrongly! I was under a loan modification at the time of foreclosure and i had done and submitted all my paper work the bank had asked me too! They are claiming i did not and foreclosed! \n","text":"Company chooses not to provide a public response","context":": Bank of America foreclosed on me wrongly! I was under a loan modification at the time of foreclosure and i had done and submitted all my paper work the bank had asked me too! They are claiming i did not and foreclosed! \n : Company chooses not to provide a public response"},{"Question":"transunion says my personal finance debt is - $ XXXX when in fact it is just - $ XXXX. Info provided XXXX. \n","text":"Company chooses not to provide a public response","context":": transunion says my personal finance debt is - $ XXXX when in fact it is just - $ XXXX. Info provided XXXX. \n : Company chooses not to provide a public response"},{"Question":"Alleging unlawful fraudulent Conduct,Bank accounts,Stocks Bonds,Escrow accounts,Arch payments,ect","text":"Company chooses not to provide a public response","context":": Alleging unlawful fraudulent Conduct,Bank accounts,Stocks Bonds,Escrow accounts,Arch payments,ect : Company chooses not to provide a public response"},{"Question":"I submitted a dispute 2 months ago and have not received a resolution. I included my current drivers license as proof of residency. \n","text":"Company chooses not to provide a public response","context":": I submitted a dispute 2 months ago and have not received a resolution. I included my current drivers license as proof of residency. \n : Company chooses not to provide a public response"},{"Question":"Transfer was pending at recipient bank for over 5 days at BMO Harris at XXXX XXXX XXXX in XXXX IL. Branch manager was on vacation and transfer department ignored my ACH deposit for {$30000.00}. This made me scared the transfer was lost, and angry that I was ignored. \n","text":"Company chooses not to provide a public response","context":": Transfer was pending at recipient bank for over 5 days at BMO Harris at XXXX XXXX XXXX in XXXX IL. Branch manager was on vacation and transfer department ignored my ACH deposit for {$30000.00}. This made me scared the transfer was lost, and angry that I was ignored. \n : Company chooses not to provide a public response"},{"Question":"They call 3-4 times per hour everyday. Never leave a message they try my house then cell phone so I end up have up to 8 calls per hour for 12 hours a day. If they want to teach someone they should leave a message. \n","text":"Company chooses not to provide a public response","context":": They call 3-4 times per hour everyday. Never leave a message they try my house then cell phone so I end up have up to 8 calls per hour for 12 hours a day. If they want to teach someone they should leave a message. \n : Company chooses not to provide a public response"},{"Question":"Denial of credit for too many inquiries on my account for past 6 months. \n","text":"Company chooses not to provide a public response","context":": Denial of credit for too many inquiries on my account for past 6 months. \n : Company chooses not to provide a public response"},{"Question":"According to the company we owe this amount of XXXX. However, we left the premises voluntary. We used the security to hold us for the last months rent. So therefore, this information is incorrect as a whole. \n","text":"Company chooses not to provide a public response","context":": According to the company we owe this amount of XXXX. However, we left the premises voluntary. We used the security to hold us for the last months rent. So therefore, this information is incorrect as a whole. \n : Company chooses not to provide a public response"},{"Question":"I was suppose to get a discount and my apr to drop, but they never did. I am being charged a high apr \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I was suppose to get a discount and my apr to drop, but they never did. I am being charged a high apr \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I applied online for my free credit report and after the several questions with multiple choice answers I was denied my online report. \n","text":"Company chooses not to provide a public response","context":": I applied online for my free credit report and after the several questions with multiple choice answers I was denied my online report. \n : Company chooses not to provide a public response"},{"Question":"The following complaint arises from a Debt Collector impersonating a creditor by steeping in the creditors shoes to do a foreclosure. \n","text":"Company chooses not to provide a public response","context":": The following complaint arises from a Debt Collector impersonating a creditor by steeping in the creditors shoes to do a foreclosure. \n : Company chooses not to provide a public response"},{"Question":"I have disputed the account of XXXX and XXXX account XXXX several occasions with Transunion I have told them that the accountdoes not belong to me I have sent them a copy of the court order of theresponsible party and they still keep reporting this on my personal creditreport \n","text":"Company chooses not to provide a public response","context":": I have disputed the account of XXXX and XXXX account XXXX several occasions with Transunion I have told them that the accountdoes not belong to me I have sent them a copy of the court order of theresponsible party and they still keep reporting this on my personal creditreport \n : Company chooses not to provide a public response"},{"Question":"I had issues with US Bank on a recently closed escrow where I asked for impound accounts and they didnt to and charge me more money \n","text":"Company chooses not to provide a public response","context":": I had issues with US Bank on a recently closed escrow where I asked for impound accounts and they didnt to and charge me more money \n : Company chooses not to provide a public response"},{"Question":"I have sent Experian numerous requests to investigate accounts in my credit report that are reporting incorrectly and they are not responding. \n","text":"Company chooses not to provide a public response","context":": I have sent Experian numerous requests to investigate accounts in my credit report that are reporting incorrectly and they are not responding. \n : Company chooses not to provide a public response"},{"Question":"I disputed XXXX XXXX XXXX XXXX XXXX accounts back in XXXX 2015 and those accounts were removed from my Experian credit XXXX 2015. As of today they are appearing on my report after a long investigation. \n","text":"Company chooses not to provide a public response","context":": I disputed XXXX XXXX XXXX XXXX XXXX accounts back in XXXX 2015 and those accounts were removed from my Experian credit XXXX 2015. As of today they are appearing on my report after a long investigation. \n : Company chooses not to provide a public response"},{"Question":"Inflated bill. There is an extra XXXX dollars on best buy credit card. added to my balance that is not accounted for. Once the balance is paid cyber thieves are able to collect the amount that has been inflated to the bill. \n","text":"Company chooses not to provide a public response","context":": Inflated bill. There is an extra XXXX dollars on best buy credit card. added to my balance that is not accounted for. Once the balance is paid cyber thieves are able to collect the amount that has been inflated to the bill. \n : Company chooses not to provide a public response"},{"Question":"Is about bsi financial service they dont do mortgage modificatin and iam loosing my house. I been here for 12 years also my friend XXXX had been leaving w me i file bankruptcy i been paying since XXXX but XXXX sold it to bsi finamcial \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Is about bsi financial service they dont do mortgage modificatin and iam loosing my house. I been here for 12 years also my friend XXXX had been leaving w me i file bankruptcy i been paying since XXXX but XXXX sold it to bsi finamcial \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Repeated calls for my ex husband 's wife. We have been divorced for over twenty years. I have not talked nor laid eyes on these people in twenty years. The repeated calls are upsetting me and my family. \n","text":"Company chooses not to provide a public response","context":": Repeated calls for my ex husband 's wife. We have been divorced for over twenty years. I have not talked nor laid eyes on these people in twenty years. The repeated calls are upsetting me and my family. \n : Company chooses not to provide a public response"},{"Question":"On XXXX XXXX, XXXX I sent a certified letter to all credit bureaus and Experian advising them that I had never lived at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The person living there has my same name and had a criminal. Experian was going to correct but still remains on my credit report. \n","text":"Company chooses not to provide a public response","context":": On XXXX XXXX, XXXX I sent a certified letter to all credit bureaus and Experian advising them that I had never lived at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The person living there has my same name and had a criminal. Experian was going to correct but still remains on my credit report. \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo in XXXX XXXX, GA opened a credit card in my name without my permission or consent. The banker never spoke to me about a credit card nor did I ask about a credit card. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo in XXXX XXXX, GA opened a credit card in my name without my permission or consent. The banker never spoke to me about a credit card nor did I ask about a credit card. \n : Company chooses not to provide a public response"},{"Question":"Vehicle was paid off and refund due. Company refuse refund money for 21 working days even thought transaction have been complete, refuse to pay interest on money held doing this period. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Vehicle was paid off and refund due. Company refuse refund money for 21 working days even thought transaction have been complete, refuse to pay interest on money held doing this period. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I really need CITI to lower my interest rate for a short period of time. Because of lowering my original credit limits my credit score has dropped drastically. Therefore my ability to receive more work has been limited to the point where I need to make this request. \n","text":"Company chooses not to provide a public response","context":": I really need CITI to lower my interest rate for a short period of time. Because of lowering my original credit limits my credit score has dropped drastically. Therefore my ability to receive more work has been limited to the point where I need to make this request. \n : Company chooses not to provide a public response"},{"Question":"Bank of America lowered by credit limit from the original agreement. Therefore lowering my credit score. I now am not able to obtain better work and therefore my financial situation has changed. I need them know to be willing to lower my interest rate. \n","text":"Company chooses not to provide a public response","context":": Bank of America lowered by credit limit from the original agreement. Therefore lowering my credit score. I now am not able to obtain better work and therefore my financial situation has changed. I need them know to be willing to lower my interest rate. \n : Company chooses not to provide a public response"},{"Question":"I do not work and have never worked for the XXXX XXXX XXXX. \nI do not Work at XXXX XXXX -- it should read XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I do not work and have never worked for the XXXX XXXX XXXX. \nI do not Work at XXXX XXXX -- it should read XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I revoked a payday company on XXXX XXXX from taking money out of my bank account but they have done so several times and I filed dispute with my bank but the bank refuses to refund my money back and continues to allow this company to draw money out of my account without my permission \n","text":"Company chooses not to provide a public response","context":": I revoked a payday company on XXXX XXXX from taking money out of my bank account but they have done so several times and I filed dispute with my bank but the bank refuses to refund my money back and continues to allow this company to draw money out of my account without my permission \n : Company chooses not to provide a public response"},{"Question":"While checking my report I noticed that my ex-husband 's address appears. I have never lived at that address or have used it for any purpose. I would like it removed if possible. The address is XXXX XXXX XXXX XXXX Pa XXXX \n","text":"Company chooses not to provide a public response","context":": While checking my report I noticed that my ex-husband 's address appears. I have never lived at that address or have used it for any purpose. I would like it removed if possible. The address is XXXX XXXX XXXX XXXX Pa XXXX \n : Company chooses not to provide a public response"},{"Question":"Request : Deleted permanently from my credit report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Request : Deleted permanently from my credit report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"On XXXX XXXX, 2015 Bank of America\/XXXX XXXX inspected my home and also damaged my roof. The XXXX contractor told me that someone would come and fix the damage the XXXX contractor caused. It 's been 4 months and my roof is still damaged. \n","text":"Company chooses not to provide a public response","context":": On XXXX XXXX, 2015 Bank of America\/XXXX XXXX inspected my home and also damaged my roof. The XXXX contractor told me that someone would come and fix the damage the XXXX contractor caused. It 's been 4 months and my roof is still damaged. \n : Company chooses not to provide a public response"},{"Question":"They need to stop collection on a debt from a XXXX XXXX in which have no clue what it is! Its not even the right name! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They need to stop collection on a debt from a XXXX XXXX in which have no clue what it is! Its not even the right name! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Bank of America. XXXX. {$2700.00} Request : Deleted permanently from my credit report. \nStatus : Inaccurate account information. Account paid. \n","text":"Company chooses not to provide a public response","context":": Bank of America. XXXX. {$2700.00} Request : Deleted permanently from my credit report. \nStatus : Inaccurate account information. Account paid. \n : Company chooses not to provide a public response"},{"Question":"I have requested my Chex System report twice, once several months ago. They are yet to send it to me. I was recently denied an account my XXXX XXXX XXXX based on information they provided. \n","text":"Company chooses not to provide a public response","context":": I have requested my Chex System report twice, once several months ago. They are yet to send it to me. I was recently denied an account my XXXX XXXX XXXX based on information they provided. \n : Company chooses not to provide a public response"},{"Question":"I received phone call on XXXX\/XXXX\/15 to say my mortgage payment was late, when in fact it was not late. \n","text":"Company believes complaint relates to a discontinued policy or procedure","context":": I received phone call on XXXX\/XXXX\/15 to say my mortgage payment was late, when in fact it was not late. \n : Company believes complaint relates to a discontinued policy or procedure"},{"Question":"My payments going towards 0 % first and payment not being applied to high interest rate of 25 % from bank of america. \n","text":"Company chooses not to provide a public response","context":": My payments going towards 0 % first and payment not being applied to high interest rate of 25 % from bank of america. \n : Company chooses not to provide a public response"},{"Question":"The medical bill owed does not belong XXXX. The debt is a hopital bill that belongs to XXXX Hospital. This bill was reported to, XXXX didffrent agencies meaning that I would have to pay double for XXXX bill that was reported twice. \n","text":"Company chooses not to provide a public response","context":": The medical bill owed does not belong XXXX. The debt is a hopital bill that belongs to XXXX Hospital. This bill was reported to, XXXX didffrent agencies meaning that I would have to pay double for XXXX bill that was reported twice. \n : Company chooses not to provide a public response"},{"Question":"Account was previously deleted from credit reports. Then recently re-inserted. The account has also been re-aged. I was never notified \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Account was previously deleted from credit reports. Then recently re-inserted. The account has also been re-aged. I was never notified \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I ca n't get my credit report on this site. \nI also noticed on a other site on authorized user account I 'm being held responsible for the debt which is not mine \n","text":"Company chooses not to provide a public response","context":": I ca n't get my credit report on this site. \nI also noticed on a other site on authorized user account I 'm being held responsible for the debt which is not mine \n : Company chooses not to provide a public response"},{"Question":"I have a Charles Schwab checking account and brokerage account for more than one year, and one day, they suddenly think I am doing fraudulent things and they closed all my accounts later. I did n't do anything illegal at all, I ca n't endure it! \n","text":"Company chooses not to provide a public response","context":": I have a Charles Schwab checking account and brokerage account for more than one year, and one day, they suddenly think I am doing fraudulent things and they closed all my accounts later. I did n't do anything illegal at all, I ca n't endure it! \n : Company chooses not to provide a public response"},{"Question":"I opened a checking account online with Popular Bank - during the process I linked the new account with my current account and in order to verify they made test deposits into my account but according to my bank they are pulling my funds as opposed to doing a test deposit. \n","text":"Company chooses not to provide a public response","context":": I opened a checking account online with Popular Bank - during the process I linked the new account with my current account and in order to verify they made test deposits into my account but according to my bank they are pulling my funds as opposed to doing a test deposit. \n : Company chooses not to provide a public response"},{"Question":"GOLD KEY CREDIT SCAMMED ME THEY NEVER BILLED MY INSURANCE I GAVE THEM MY INSURANCE INFO THEY PURPOSELY DONT BILL INSURANCE TO SCAM PEOPLE AND PUT THINGS ON PEOPLE CREDIT REPORT WHICH IS A VIOLATION OF THE LAW. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": GOLD KEY CREDIT SCAMMED ME THEY NEVER BILLED MY INSURANCE I GAVE THEM MY INSURANCE INFO THEY PURPOSELY DONT BILL INSURANCE TO SCAM PEOPLE AND PUT THINGS ON PEOPLE CREDIT REPORT WHICH IS A VIOLATION OF THE LAW. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My lender ( Ditech ) has not cancelled PMI even though my loan amount is now below 78 % of the original loan amount. I have called them and written to them and the situation is still unresolved. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My lender ( Ditech ) has not cancelled PMI even though my loan amount is now below 78 % of the original loan amount. I have called them and written to them and the situation is still unresolved. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Say I was seen in emergency room for XXXX I am XXXX yrs old had them when I was XXXX & XXXX. Notmy debt \n","text":"Company chooses not to provide a public response","context":": Say I was seen in emergency room for XXXX I am XXXX yrs old had them when I was XXXX & XXXX. Notmy debt \n : Company chooses not to provide a public response"},{"Question":"Was charged for an internet modem. The modem was deposited into a return bin at XXXX. I called two days later to confirm they had recieved it and they said that they did and that everything was satisfactory. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Was charged for an internet modem. The modem was deposited into a return bin at XXXX. I called two days later to confirm they had recieved it and they said that they did and that everything was satisfactory. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is a mortgage listed on my personal credit file that was never XXXX I obtained. I never took a {$620000.00} mortgage out. I want this inaccurate information remove from my credit file. \n","text":"Company chooses not to provide a public response","context":": There is a mortgage listed on my personal credit file that was never XXXX I obtained. I never took a {$620000.00} mortgage out. I want this inaccurate information remove from my credit file. \n : Company chooses not to provide a public response"},{"Question":"CMRE. XXXX XXXX. {$330.00} Request : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n","text":"Company chooses not to provide a public response","context":": CMRE. XXXX XXXX. {$330.00} Request : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n : Company chooses not to provide a public response"},{"Question":"CMRE Finance. XXXX XXXX. {$290.00} Request : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n","text":"Company chooses not to provide a public response","context":": CMRE Finance. XXXX XXXX. {$290.00} Request : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n : Company chooses not to provide a public response"},{"Question":"Message Body : I dispute all bills from XXXX XXXX XXXX, in due the fact I 'm under XXXX XXXX ASSISTANCE PLAN CODE XXXX. \nPlease remove my name from all Collect Agencies XXXX \n\nThanks! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Message Body : I dispute all bills from XXXX XXXX XXXX, in due the fact I 'm under XXXX XXXX ASSISTANCE PLAN CODE XXXX. \nPlease remove my name from all Collect Agencies XXXX \n\nThanks! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This item is being reported to all XXXX Credit Bureaus and I never had any type of account with XXXX XXXX Library yet Unique National Collections continue to attempt to collect the debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This item is being reported to all XXXX Credit Bureaus and I never had any type of account with XXXX XXXX Library yet Unique National Collections continue to attempt to collect the debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I did not give XXXX XXXX to run a credit report to get service. I 've tried to get this off my hard inquirers Did not give permission. Please remove. Show me proof or remove from credit report please \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I did not give XXXX XXXX to run a credit report to get service. I 've tried to get this off my hard inquirers Did not give permission. Please remove. Show me proof or remove from credit report please \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"XXXX XXXX account application XXXXspelling wrong first name \" XXXX '' address apt # wrong \" XXXX '' hit my fido score on my credit report XX\/XX\/2015 sent letter XX\/XX\/2015 no reply. have never applied or contacted this bank. please help me!!!! \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX account application XXXXspelling wrong first name \" XXXX '' address apt # wrong \" XXXX '' hit my fido score on my credit report XX\/XX\/2015 sent letter XX\/XX\/2015 no reply. have never applied or contacted this bank. please help me!!!! \n : Company chooses not to provide a public response"},{"Question":"I never lived in North Carolina \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I never lived in North Carolina \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Penn Credit Collection calls my house several times a day looking for someone that does not live here. I can never reach a human being to tell them to quit calling. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Penn Credit Collection calls my house several times a day looking for someone that does not live here. I can never reach a human being to tell them to quit calling. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am being garnished through my wages at this time without being notified by the Collection Agency. \n","text":"Company chooses not to provide a public response","context":": I am being garnished through my wages at this time without being notified by the Collection Agency. \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo is admitting that they screwed up. XXXX has been updated and my credit score has been repaired. XXXX is still showing errors. Should be receiving paperwork from Wells Fargo on XXXX\/XXXX\/2015 \n","text":"Company chooses not to provide a public response","context":": Wells Fargo is admitting that they screwed up. XXXX has been updated and my credit score has been repaired. XXXX is still showing errors. Should be receiving paperwork from Wells Fargo on XXXX\/XXXX\/2015 \n : Company chooses not to provide a public response"},{"Question":"CMRE. XXXX XXXX. {$150.00} Request : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n","text":"Company chooses not to provide a public response","context":": CMRE. XXXX XXXX. {$150.00} Request : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n : Company chooses not to provide a public response"},{"Question":"CMRE Finance. XXXX XXXX. {$140.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n","text":"Company chooses not to provide a public response","context":": CMRE Finance. XXXX XXXX. {$140.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n : Company chooses not to provide a public response"},{"Question":"CMRE. XXXX XXXX. {$140.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n","text":"Company chooses not to provide a public response","context":": CMRE. XXXX XXXX. {$140.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n : Company chooses not to provide a public response"},{"Question":"They keep calling and telling me that they are attempting to collect a debt. My credit is perfect and I do not owe any outstanding bills. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": They keep calling and telling me that they are attempting to collect a debt. My credit is perfect and I do not owe any outstanding bills. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"They settled. I paid it off and received a letter that it was settled. It is still on my credit report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They settled. I paid it off and received a letter that it was settled. It is still on my credit report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am not responsible for this alleged debt. I ask for verification and this what sent. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am not responsible for this alleged debt. I ask for verification and this what sent. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me per the fair credit reporting act. \n","text":"Company chooses not to provide a public response","context":": Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me per the fair credit reporting act. \n : Company chooses not to provide a public response"},{"Question":"I called in to set up payment arrangments on my loan. The guy was giving me a hard time. Then the rep thought he put me on hold and he did n't and I heard him say XXXX. That is un called for. \n","text":"Company chooses not to provide a public response","context":": I called in to set up payment arrangments on my loan. The guy was giving me a hard time. Then the rep thought he put me on hold and he did n't and I heard him say XXXX. That is un called for. \n : Company chooses not to provide a public response"},{"Question":"Repeated calls from CA. I researched and found out it is CMRE financial services. They are a THIRD PARTY debt collector. They need to have proof of debt. Until they can provide proof of ORIGINAL debt I will not speak with them. From now on, they have to provide everything in writing. \n","text":"Company chooses not to provide a public response","context":": Repeated calls from CA. I researched and found out it is CMRE financial services. They are a THIRD PARTY debt collector. They need to have proof of debt. Until they can provide proof of ORIGINAL debt I will not speak with them. From now on, they have to provide everything in writing. \n : Company chooses not to provide a public response"},{"Question":"CMRE Finance. XXXX XXXX. {$94.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n","text":"Company chooses not to provide a public response","context":": CMRE Finance. XXXX XXXX. {$94.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n : Company chooses not to provide a public response"},{"Question":"CMRE. XXXX XXXX. {$130.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n","text":"Company chooses not to provide a public response","context":": CMRE. XXXX XXXX. {$130.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX. XXXX XXXX. {$100.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX XXXX XXXX. XXXX XXXX. {$100.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"CMRE Finance. XXXX XXXX. {$100.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n","text":"Company chooses not to provide a public response","context":": CMRE Finance. XXXX XXXX. {$100.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n : Company chooses not to provide a public response"},{"Question":"I have been keeping close check on my credit and have noticed more inquiries and i have not been looking for credit. The only inquiry that should be on my report is target. Anything else was done without my permission and is not valid. \n","text":"Company chooses not to provide a public response","context":": I have been keeping close check on my credit and have noticed more inquiries and i have not been looking for credit. The only inquiry that should be on my report is target. Anything else was done without my permission and is not valid. \n : Company chooses not to provide a public response"},{"Question":"CMRE. XXXX. {$65.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n","text":"Company chooses not to provide a public response","context":": CMRE. XXXX. {$65.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n : Company chooses not to provide a public response"},{"Question":"CMRE XXXX. XXXX XXXX. {$46.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n","text":"Company chooses not to provide a public response","context":": CMRE XXXX. XXXX XXXX. {$46.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nTo the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. \n : Company chooses not to provide a public response"},{"Question":"Remove Address : XXXX XXXX XXXX XXXX, CA Request : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \n","text":"Company chooses not to provide a public response","context":": Remove Address : XXXX XXXX XXXX XXXX, CA Request : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \n : Company chooses not to provide a public response"},{"Question":"I purchased a vehicle from XXXX XXXX in XXXX. The dealership facilitating the financing with Wells Fargo Dealer Services. I have made several requests for the Credit Score Disclosure to be provided to me, to no avail. \n","text":"Company chooses not to provide a public response","context":": I purchased a vehicle from XXXX XXXX in XXXX. The dealership facilitating the financing with Wells Fargo Dealer Services. I have made several requests for the Credit Score Disclosure to be provided to me, to no avail. \n : Company chooses not to provide a public response"},{"Question":"Bank of America. {$36000.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nStatus : Account current under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. ( XXXX ) XXXX, XXXX XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": Bank of America. {$36000.00}. \nRequest : Deleted permanently from my credit report. \nStatus : Inaccurate account information. \nStatus : Account current under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. ( XXXX ) XXXX, XXXX XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Experian never provides free credit report over the online system XXXX \n","text":"Company chooses not to provide a public response","context":": Experian never provides free credit report over the online system XXXX \n : Company chooses not to provide a public response"},{"Question":"Pinnacle Credit Services collected {$100.00} from me on a XXXX account in 2013. \nThere is no balance due on the account but Pinnacle Credit Services keeps reporting the account as open and not closed. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Pinnacle Credit Services collected {$100.00} from me on a XXXX account in 2013. \nThere is no balance due on the account but Pinnacle Credit Services keeps reporting the account as open and not closed. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This concerns case # XXXX. We contacted Wells Fargo again today. There seems to be good news. I had my son XXXX XXXX speak for us. He spoke to someone at Wells Fargo named XXXX. XXXX has agreed to review this whole case anew. \n","text":"Company chooses not to provide a public response","context":": This concerns case # XXXX. We contacted Wells Fargo again today. There seems to be good news. I had my son XXXX XXXX speak for us. He spoke to someone at Wells Fargo named XXXX. XXXX has agreed to review this whole case anew. \n : Company chooses not to provide a public response"},{"Question":"Need debt verified or removed from credit report. \n","text":"Company chooses not to provide a public response","context":": Need debt verified or removed from credit report. \n : Company chooses not to provide a public response"},{"Question":"I attempted to make a payment on the company 's website, and they took the money, however, I received written correspondence stating that they wo n't honor the payment to my account. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I attempted to make a payment on the company 's website, and they took the money, however, I received written correspondence stating that they wo n't honor the payment to my account. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The company is on my credit report. I have no idea who the company is attempting to collect a debt for. The FCRA states that a company has to send me a letter in the mail 30 days prior to reporting on my credit. This is a clear violation of the law. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": The company is on my credit report. I have no idea who the company is attempting to collect a debt for. The FCRA states that a company has to send me a letter in the mail 30 days prior to reporting on my credit. This is a clear violation of the law. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Flagstar bank XXXX continues to show late pay history, i was never on this account and it should be removed from report or updated with no negative pay history \n","text":"Company chooses not to provide a public response","context":": Flagstar bank XXXX continues to show late pay history, i was never on this account and it should be removed from report or updated with no negative pay history \n : Company chooses not to provide a public response"},{"Question":"This debt is about 17 years old and I remembered that I have this debt account closed by cross country. Now some new copy pay who is 3rd party have been.sendingme letters. \n","text":"Company chooses not to provide a public response","context":": This debt is about 17 years old and I remembered that I have this debt account closed by cross country. Now some new copy pay who is 3rd party have been.sendingme letters. \n : Company chooses not to provide a public response"},{"Question":"I have requested verification and validation of debt and this company will not provide. I do not believe that this agency is licensed and bonded to collect in my state and that this debt is over XXXX years old. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have requested verification and validation of debt and this company will not provide. I do not believe that this agency is licensed and bonded to collect in my state and that this debt is over XXXX years old. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My credit report is showing a {$580.00} debt from XXXX which I have never had an account with them. That debt went into delinquent account which substantially lowered my credit score. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My credit report is showing a {$580.00} debt from XXXX which I have never had an account with them. That debt went into delinquent account which substantially lowered my credit score. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Sunrise Credit Services keeps calling me on my cell about a XXXX XXXX XXXX XXXX account that I do not have. They are trying to get me to pay money on an account I do not have. I 'm not sure how they got my information. \n","text":"Company chooses not to provide a public response","context":": Sunrise Credit Services keeps calling me on my cell about a XXXX XXXX XXXX XXXX account that I do not have. They are trying to get me to pay money on an account I do not have. I 'm not sure how they got my information. \n : Company chooses not to provide a public response"},{"Question":"I do not owe any money to this account and they continue to try and call. they are threatening to send a debt to collations that I do not owe \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I do not owe any money to this account and they continue to try and call. they are threatening to send a debt to collations that I do not owe \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX I purchased a XXXX property with a XXXX sign on the property. I paid the load off in XXXX. XXXX XXXX still has a lien on the property. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX I purchased a XXXX property with a XXXX sign on the property. I paid the load off in XXXX. XXXX XXXX still has a lien on the property. \n : Company chooses not to provide a public response"},{"Question":"I received no notice in the mail or to my email from XXXX XXXX XXXX that a balance was owed. The first communication I received was when I received a notice from a debt collector. \n","text":"Company chooses not to provide a public response","context":": I received no notice in the mail or to my email from XXXX XXXX XXXX that a balance was owed. The first communication I received was when I received a notice from a debt collector. \n : Company chooses not to provide a public response"},{"Question":"I received a letter from an attorney claiming that he will help with a law suit filed by Wells Fargo bank for unpaid debt. I never had debt with Wells Fargo bank. \n","text":"Company chooses not to provide a public response","context":": I received a letter from an attorney claiming that he will help with a law suit filed by Wells Fargo bank for unpaid debt. I never had debt with Wells Fargo bank. \n : Company chooses not to provide a public response"},{"Question":"I was told by XXXX Bank XXXX XXXX XXXX Account XXXX that they will remove entire trade line, Back In XXXX it has been completely removed and now in XXXX it has been reposted. I included a copy of my report showing complete removal. \n","text":"Company chooses not to provide a public response","context":": I was told by XXXX Bank XXXX XXXX XXXX Account XXXX that they will remove entire trade line, Back In XXXX it has been completely removed and now in XXXX it has been reposted. I included a copy of my report showing complete removal. \n : Company chooses not to provide a public response"},{"Question":"This collection appeared on my credit report. I never received a collection letter and they have failed to respond to my requests for Validation of this account since XXXX of 2015. \n","text":"Company disputes the facts presented in the complaint","context":": This collection appeared on my credit report. I never received a collection letter and they have failed to respond to my requests for Validation of this account since XXXX of 2015. \n : Company disputes the facts presented in the complaint"},{"Question":"ChexSystems is reporting fraud to banking institutions so I am unable to open bank accounts or cash checks. \n","text":"Company chooses not to provide a public response","context":": ChexSystems is reporting fraud to banking institutions so I am unable to open bank accounts or cash checks. \n : Company chooses not to provide a public response"},{"Question":"I noticed inquires on my credit report with business that I have not done business with as a result these inquiries are affecting my credit score in a negative way. \n","text":"Company chooses not to provide a public response","context":": I noticed inquires on my credit report with business that I have not done business with as a result these inquiries are affecting my credit score in a negative way. \n : Company chooses not to provide a public response"},{"Question":"I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed. \n","text":"Company chooses not to provide a public response","context":": I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed. \n : Company chooses not to provide a public response"},{"Question":"I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"LAW FIRM WENT ON MY CREDIT REPORTS WITHOUT PERMISSION AND FAILED TO VALIDATE UNKNOWN DEBT. PULLED MY XXXX ON XXXX\/XXXX\/2015 WITHOUT MY APPROVAL IN VIOLATION OF FCRA AND FDCPA LAWS. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": LAW FIRM WENT ON MY CREDIT REPORTS WITHOUT PERMISSION AND FAILED TO VALIDATE UNKNOWN DEBT. PULLED MY XXXX ON XXXX\/XXXX\/2015 WITHOUT MY APPROVAL IN VIOLATION OF FCRA AND FDCPA LAWS. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have XXXX paid collections remaining on my credit report this is hurting me from getting a home loan I sent written request to all credit agencies to have them remove. They show paid but open. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have XXXX paid collections remaining on my credit report this is hurting me from getting a home loan I sent written request to all credit agencies to have them remove. They show paid but open. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Our residential mortgage balance ( with no extra principal payments ) has reached the 78 % threshold as outlined in HPA. Bank of America is refusing to drop our PMI claiming that New York Law has a 75 % threshold. The HPA supercedes New York Law as far as I can tell. \n","text":"Company chooses not to provide a public response","context":": Our residential mortgage balance ( with no extra principal payments ) has reached the 78 % threshold as outlined in HPA. Bank of America is refusing to drop our PMI claiming that New York Law has a 75 % threshold. The HPA supercedes New York Law as far as I can tell. \n : Company chooses not to provide a public response"},{"Question":"Company continues to charge excessive fee 's citing that I do not have car insurance after proof of insurance was provided. And no agreement was entered with me to maintain full coverage insurance. However I have provided them with proof of insurance. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Company continues to charge excessive fee 's citing that I do not have car insurance after proof of insurance was provided. And no agreement was entered with me to maintain full coverage insurance. However I have provided them with proof of insurance. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Requested verification only received a bill that did n't complete the request. Then they reported it to the XXXX credit bureau. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Requested verification only received a bill that did n't complete the request. Then they reported it to the XXXX credit bureau. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"deceptive charge practices. See statement attached. \n","text":"Company chooses not to provide a public response","context":": deceptive charge practices. See statement attached. \n : Company chooses not to provide a public response"},{"Question":"Credit card company sold debt to collection agency that resulted from identity theft. I have mailed a copy of the identity theft report via certified mail to the company. \n","text":"Company chooses not to provide a public response","context":": Credit card company sold debt to collection agency that resulted from identity theft. I have mailed a copy of the identity theft report via certified mail to the company. \n : Company chooses not to provide a public response"},{"Question":"This XXXX XXXX has been calling my daughters telephone number leaving many messages to call this person I do not know who these people are and the purpose of their continuous calls. Please have them remove my name from their database i.e. robocalling. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This XXXX XXXX has been calling my daughters telephone number leaving many messages to call this person I do not know who these people are and the purpose of their continuous calls. Please have them remove my name from their database i.e. robocalling. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I noticed an unknown account on my credit a few years ago, and since then have sent American Revenue XXXX notices, including my police report showing I 'm a victim of identity theft and they continue to ignore me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I noticed an unknown account on my credit a few years ago, and since then have sent American Revenue XXXX notices, including my police report showing I 'm a victim of identity theft and they continue to ignore me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"BB & T MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT \n","text":"Company chooses not to provide a public response","context":": BB & T MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT \n : Company chooses not to provide a public response"},{"Question":"CITIBANK MADE XXXX HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT NEVER HAD TRYED TO GET ANYTHING FROM CITIBANK \n","text":"Company chooses not to provide a public response","context":": CITIBANK MADE XXXX HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT NEVER HAD TRYED TO GET ANYTHING FROM CITIBANK \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX, XXXX Acct # : XXXX Date Reported : XXXX\/XXXX\/2014 Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE this account was apparently transferred to another lender sometime ago, so how can current acct status be showing as late?? this is inaccurate \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX, XXXX Acct # : XXXX Date Reported : XXXX\/XXXX\/2014 Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE this account was apparently transferred to another lender sometime ago, so how can current acct status be showing as late?? this is inaccurate \n : Company chooses not to provide a public response"},{"Question":"I wrote XXXX and asked for legal validation of this upon discovering the collection on my credit reports in XXXX 2014. They have never responded. \n","text":"Company chooses not to provide a public response","context":": I wrote XXXX and asked for legal validation of this upon discovering the collection on my credit reports in XXXX 2014. They have never responded. \n : Company chooses not to provide a public response"},{"Question":"I have on two occasions asked for the company to validate the debt in question and to prove that they have a right to collect the debt. In response, they have sent only screen shots of an old account from someone they claim to be the original creditor. \n","text":"Company chooses not to provide a public response","context":": I have on two occasions asked for the company to validate the debt in question and to prove that they have a right to collect the debt. In response, they have sent only screen shots of an old account from someone they claim to be the original creditor. \n : Company chooses not to provide a public response"},{"Question":"Ditech mortgage refuses to report account to credit bureaus \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Ditech mortgage refuses to report account to credit bureaus \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"am not aware about this inquiries I send a letter to the XXXX credit bureau, I try to call the company and no answer ( some of them do not pick up the phone ) : Tansunion XXXX XXXX XXXX XXXX\/XXXX\/XXXX XXXX XXXX\/XXXX\/XXXX XXXX XXXX XXXX\/XXXX\/XXXX XXXX XXXX\/XXXX\/XXXX \n","text":"Company chooses not to provide a public response","context":": am not aware about this inquiries I send a letter to the XXXX credit bureau, I try to call the company and no answer ( some of them do not pick up the phone ) : Tansunion XXXX XXXX XXXX XXXX\/XXXX\/XXXX XXXX XXXX\/XXXX\/XXXX XXXX XXXX XXXX\/XXXX\/XXXX XXXX XXXX\/XXXX\/XXXX \n : Company chooses not to provide a public response"},{"Question":"I have submitted XXXX request and CMRE Financial Services continues to ignore those requests to validate the debt. This is not my debt and are not in violation of the FCRA and FDCPA. \n","text":"Company chooses not to provide a public response","context":": I have submitted XXXX request and CMRE Financial Services continues to ignore those requests to validate the debt. This is not my debt and are not in violation of the FCRA and FDCPA. \n : Company chooses not to provide a public response"},{"Question":"THERE IS A HARD INQUIRE ON MY CREDIT REPORTS THAT I DIDNT GIVE CONSENT FOR THE CREDITOR TO RUN MY CREDIT \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": THERE IS A HARD INQUIRE ON MY CREDIT REPORTS THAT I DIDNT GIVE CONSENT FOR THE CREDITOR TO RUN MY CREDIT \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"CREDCO MADE A LOT OF INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT \n","text":"Company chooses not to provide a public response","context":": CREDCO MADE A LOT OF INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT \n : Company chooses not to provide a public response"},{"Question":"Debt continues to be reported as an unpaid collection account. This was paid in full and verification of that payment was provided to this collection agency via certified mail with return receipt attached. This needs to to be removed. \n","text":"Company chooses not to provide a public response","context":": Debt continues to be reported as an unpaid collection account. This was paid in full and verification of that payment was provided to this collection agency via certified mail with return receipt attached. This needs to to be removed. \n : Company chooses not to provide a public response"},{"Question":"I requested my credit report from at XXXX and on the report from Experian there are many creditors that I do not recognize and also there are several adressess that do not match mi personal data. The other reports that I received from XXXX and XXXX are correct. \n","text":"Company chooses not to provide a public response","context":": I requested my credit report from at XXXX and on the report from Experian there are many creditors that I do not recognize and also there are several adressess that do not match mi personal data. The other reports that I received from XXXX and XXXX are correct. \n : Company chooses not to provide a public response"},{"Question":"this collection agency continues to report a \" discharged account on my credit reports as an open collection account and are still trying to collect this debt. I contacted this company and are refusing to update this account to reflect an accurate status. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": this collection agency continues to report a \" discharged account on my credit reports as an open collection account and are still trying to collect this debt. I contacted this company and are refusing to update this account to reflect an accurate status. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"trans union has shared my other accounts to show how much I am paying per month on all open accounts and the information supplied is incorrect. \n","text":"Company chooses not to provide a public response","context":": trans union has shared my other accounts to show how much I am paying per month on all open accounts and the information supplied is incorrect. \n : Company chooses not to provide a public response"},{"Question":"I went to American bank to made a deposit of {$500.00} for my mama and the ask me for ID I believe need show ID if is over {$10000.00} I would like know if I 'm wrong and why I need show ID for that amount Thank \n","text":"Company chooses not to provide a public response","context":": I went to American bank to made a deposit of {$500.00} for my mama and the ask me for ID I believe need show ID if is over {$10000.00} I would like know if I 'm wrong and why I need show ID for that amount Thank \n : Company chooses not to provide a public response"},{"Question":"TransUnion File # XXXX Request to remove inquiries XXXX XXXX & XXXX to match the information on my XXXX credit-report. \n","text":"Company chooses not to provide a public response","context":": TransUnion File # XXXX Request to remove inquiries XXXX XXXX & XXXX to match the information on my XXXX credit-report. \n : Company chooses not to provide a public response"},{"Question":"I completed my bankruptcy and received a discharge and final paperwork to show that everything had been paid. Transunion refuses to update my account to show bankruptcy is complete. Also, the company workers are very rude and tried to submit it for investigation and refused to take it \n","text":"Company chooses not to provide a public response","context":": I completed my bankruptcy and received a discharge and final paperwork to show that everything had been paid. Transunion refuses to update my account to show bankruptcy is complete. Also, the company workers are very rude and tried to submit it for investigation and refused to take it \n : Company chooses not to provide a public response"},{"Question":"I have never received anything from them? This was XX\/XX\/XXXX til XX\/XX\/XXXX, but some how still \" open '' on my credit report I ca n't get ahold of them to pay or settle ... I have no account number or anything ... \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have never received anything from them? This was XX\/XX\/XXXX til XX\/XX\/XXXX, but some how still \" open '' on my credit report I ca n't get ahold of them to pay or settle ... I have no account number or anything ... \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Teletrack is listing XXXX inquiries well over the allowed 2 year period. XXXX is still there after almost 4 years, XXXX around 3 years old and XXXX nearing 25 months old. This is against FCRA. \n","text":"Company chooses not to provide a public response","context":": Teletrack is listing XXXX inquiries well over the allowed 2 year period. XXXX is still there after almost 4 years, XXXX around 3 years old and XXXX nearing 25 months old. This is against FCRA. \n : Company chooses not to provide a public response"},{"Question":"I want to get a perfect credit score so I want to know the credit bureaus ' formulas. I have a lower credit score because they wo n't tell me what the formula is. \n","text":"Company chooses not to provide a public response","context":": I want to get a perfect credit score so I want to know the credit bureaus ' formulas. I have a lower credit score because they wo n't tell me what the formula is. \n : Company chooses not to provide a public response"},{"Question":"My name is XXXX XXXX. I am a Wells Fargo account holder. Wells Fargo illegally withdrew money from my account without notice or explanation. \n","text":"Company chooses not to provide a public response","context":": My name is XXXX XXXX. I am a Wells Fargo account holder. Wells Fargo illegally withdrew money from my account without notice or explanation. \n : Company chooses not to provide a public response"},{"Question":"Specialized Loan Servicing XXXX company owes me {$3000.00} money they held in a suspense account and never payed me back after close of escrow per XXXX XXXX at XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": Specialized Loan Servicing XXXX company owes me {$3000.00} money they held in a suspense account and never payed me back after close of escrow per XXXX XXXX at XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"Experian continues to refuse me online access to my annual credit report. For the third consecutive year they have denied my request. My most recent attempt was on XXXX\/XXXX\/16. I have attached a pdf copy of the refusal. \n","text":"Company chooses not to provide a public response","context":": Experian continues to refuse me online access to my annual credit report. For the third consecutive year they have denied my request. My most recent attempt was on XXXX\/XXXX\/16. I have attached a pdf copy of the refusal. \n : Company chooses not to provide a public response"},{"Question":"INACCURATE AMOUNT OF DEBT. VERIFICATION WAS SENT FOR MY WIFE AND I. AND WAS REMOVED FROM HER CREDIT HOWEVER, THEY ARE STILL TRYING TO COLLECT THE INCORRECT AMOUNT DEBT FOR THIS HOME AFTER WE PARTED WAYS DUE TO CONTINUOUS LIES AND BOGUS PAPERWORK. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": INACCURATE AMOUNT OF DEBT. VERIFICATION WAS SENT FOR MY WIFE AND I. AND WAS REMOVED FROM HER CREDIT HOWEVER, THEY ARE STILL TRYING TO COLLECT THE INCORRECT AMOUNT DEBT FOR THIS HOME AFTER WE PARTED WAYS DUE TO CONTINUOUS LIES AND BOGUS PAPERWORK. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Even thought I already reached out to your agency regarding Bank of America unjustified fees applied to my mortgage payment, the bank is still requesting that I send a XXXX fee in addition to my monthly mortgage payment. \n","text":"Company chooses not to provide a public response","context":": Even thought I already reached out to your agency regarding Bank of America unjustified fees applied to my mortgage payment, the bank is still requesting that I send a XXXX fee in addition to my monthly mortgage payment. \n : Company chooses not to provide a public response"},{"Question":"On XXXX\/XXXX\/2015 I disputed an inquiry on my credit report directly with XXXX via certified mail. The letter was received, but there has been no response. Please remove this item from my credit report immediately! \n","text":"Company chooses not to provide a public response","context":": On XXXX\/XXXX\/2015 I disputed an inquiry on my credit report directly with XXXX via certified mail. The letter was received, but there has been no response. Please remove this item from my credit report immediately! \n : Company chooses not to provide a public response"},{"Question":"Called and left a VM asking if this was a good number to contact XXXX XXXX ( my wife ), said she had a case file in XXXX County, left number as well as a \" case reference '' number. Refused to give me their address after 6 repeated attempts. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Called and left a VM asking if this was a good number to contact XXXX XXXX ( my wife ), said she had a case file in XXXX County, left number as well as a \" case reference '' number. Refused to give me their address after 6 repeated attempts. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX called from NE Processing and said they were filing a case against me. Never said she was calling from a debt collector per FDCPA. She also called my husband. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX XXXX called from NE Processing and said they were filing a case against me. Never said she was calling from a debt collector per FDCPA. She also called my husband. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"My bank charged me an overdraft fee which was n't warranted \n","text":"Company chooses not to provide a public response","context":": My bank charged me an overdraft fee which was n't warranted \n : Company chooses not to provide a public response"},{"Question":"I sent a letter to transunion saying that the company collection XXXX has not verified or validated my debt. So I sent a letter Transunion to remove coll recv sv tradelines. Transunion has declined to do so. \n","text":"Company chooses not to provide a public response","context":": I sent a letter to transunion saying that the company collection XXXX has not verified or validated my debt. So I sent a letter Transunion to remove coll recv sv tradelines. Transunion has declined to do so. \n : Company chooses not to provide a public response"},{"Question":"I have continued to dispute this on my report for years. The company ca n't show me proof of a signature or delivery of any goods or any payments made. \n","text":"Company chooses not to provide a public response","context":": I have continued to dispute this on my report for years. The company ca n't show me proof of a signature or delivery of any goods or any payments made. \n : Company chooses not to provide a public response"},{"Question":"Mortgage company lost my first payment, harasses me with debt collector calls from automated attendant. \n","text":"Company chooses not to provide a public response","context":": Mortgage company lost my first payment, harasses me with debt collector calls from automated attendant. \n : Company chooses not to provide a public response"},{"Question":"Received a demand letter FOR payment on a mortgage debt that was clearly DISCHARGED IN MY BANKRUPTCY FILING XX\/XX\/2014.tHIS IS OUTRAGEOUS THAT CitiMORTGAGE IS ALLOWED TO DO THIS WHICH IS A CLEAR VIOLATION OF A 93 A AND AGAINST THE LAW, \n","text":"Company chooses not to provide a public response","context":": Received a demand letter FOR payment on a mortgage debt that was clearly DISCHARGED IN MY BANKRUPTCY FILING XX\/XX\/2014.tHIS IS OUTRAGEOUS THAT CitiMORTGAGE IS ALLOWED TO DO THIS WHICH IS A CLEAR VIOLATION OF A 93 A AND AGAINST THE LAW, \n : Company chooses not to provide a public response"},{"Question":"Credit Karma has XXXX open accounts for XXXX.They have both been discharged in a bankruptcy therefore they are closed.I tried 3 times to get them to fix this they have not. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Credit Karma has XXXX open accounts for XXXX.They have both been discharged in a bankruptcy therefore they are closed.I tried 3 times to get them to fix this they have not. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"XXXX XXXX is reporting XXXX open accounts that are discharged through a bankruptcy i have been trying to resolve this but XXXX XXXX insists that this is the information they are receiving from trans union. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX is reporting XXXX open accounts that are discharged through a bankruptcy i have been trying to resolve this but XXXX XXXX insists that this is the information they are receiving from trans union. \n : Company chooses not to provide a public response"},{"Question":"this company did a hard click on my credit with out my permission i applied for refinance with XXXX XXXX and the got my info from them and checked my credit without my knowledge or approval \n","text":"Company chooses not to provide a public response","context":": this company did a hard click on my credit with out my permission i applied for refinance with XXXX XXXX and the got my info from them and checked my credit without my knowledge or approval \n : Company chooses not to provide a public response"},{"Question":"i sent a debt validation letter to united collection bureau on XX\/XX\/2016 via certified mail, it was signed for and received by them. i have never received any further mail or validation on my debt from this company regarding a XXXX XXXX bill in the amount of XXXX \n","text":"Company chooses not to provide a public response","context":": i sent a debt validation letter to united collection bureau on XX\/XX\/2016 via certified mail, it was signed for and received by them. i have never received any further mail or validation on my debt from this company regarding a XXXX XXXX bill in the amount of XXXX \n : Company chooses not to provide a public response"},{"Question":"I purchased some jewelry in XXXX from XXXX. The merchant facilitated the financing through Well Fargo. The creditor never provided me with a Credit Score Disclosure. \n","text":"Company chooses not to provide a public response","context":": I purchased some jewelry in XXXX from XXXX. The merchant facilitated the financing through Well Fargo. The creditor never provided me with a Credit Score Disclosure. \n : Company chooses not to provide a public response"},{"Question":"Credit card company transferred a charge from a previously closed account to a new account without our authorization. ( The supplier had been authorized on the previous account. ) \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Credit card company transferred a charge from a previously closed account to a new account without our authorization. ( The supplier had been authorized on the previous account. ) \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"There are a lot of inquiries on my credit that are n't from me and they refuse to remove them \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": There are a lot of inquiries on my credit that are n't from me and they refuse to remove them \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"credit history has hit because of wrong attempt to collect debt which is not mine. please help to remove this from credit history. \n","text":"Company chooses not to provide a public response","context":": credit history has hit because of wrong attempt to collect debt which is not mine. please help to remove this from credit history. \n : Company chooses not to provide a public response"},{"Question":"I have researched my records and I am showing my last payment was over 7 years ago and this should no longer be reporting on my credit. It appears they are using a close date and not a last payment date. I am requesting a copy of the last payment ( XXXX XXXX ) they have record of. \n","text":"Company chooses not to provide a public response","context":": I have researched my records and I am showing my last payment was over 7 years ago and this should no longer be reporting on my credit. It appears they are using a close date and not a last payment date. I am requesting a copy of the last payment ( XXXX XXXX ) they have record of. \n : Company chooses not to provide a public response"},{"Question":"Since XXXX 2014 Experian has ignored my numerous requests to investigate, verify and remove XXXX account from my credit report that was opened fraudulently. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Since XXXX 2014 Experian has ignored my numerous requests to investigate, verify and remove XXXX account from my credit report that was opened fraudulently. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX pulled my credit report without my consent and I did not apply for credit nor do I have an account with them. \n","text":"Company chooses not to provide a public response","context":": XXXX pulled my credit report without my consent and I did not apply for credit nor do I have an account with them. \n : Company chooses not to provide a public response"},{"Question":"These XXXX collections on my record are incorrect and should not be there. \n","text":"Company chooses not to provide a public response","context":": These XXXX collections on my record are incorrect and should not be there. \n : Company chooses not to provide a public response"},{"Question":"I performed an online dispute with Experian in regards to a paid closed account, account shows 30 days late on several months with account # XXXX XXXX XXXX XXXX, when I Called XXXX they were unable to provide proof of 30 day delinquency. Experian stated account is reporting correctly. \n","text":"Company chooses not to provide a public response","context":": I performed an online dispute with Experian in regards to a paid closed account, account shows 30 days late on several months with account # XXXX XXXX XXXX XXXX, when I Called XXXX they were unable to provide proof of 30 day delinquency. Experian stated account is reporting correctly. \n : Company chooses not to provide a public response"},{"Question":"SSN AND PERSONAL INFORMATION EXPOSED BY EXPERIAN XXXX CREDIT PULLS EXORTED DATA. MY INFORMATION IS JUST NOT WORKING ANYMORE, DETRIMENTAL FOR MY BUSINESS. \n","text":"Company chooses not to provide a public response","context":": SSN AND PERSONAL INFORMATION EXPOSED BY EXPERIAN XXXX CREDIT PULLS EXORTED DATA. MY INFORMATION IS JUST NOT WORKING ANYMORE, DETRIMENTAL FOR MY BUSINESS. \n : Company chooses not to provide a public response"},{"Question":"did not receive any notice or validation of debt notice from this company. i have not received anthing not even a phone call from this collection agency my employment and address is the same and has been the same for several years now. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": did not receive any notice or validation of debt notice from this company. i have not received anthing not even a phone call from this collection agency my employment and address is the same and has been the same for several years now. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"US Bank would process my debits, largest first, so that my account would go negative and then incur overdraft fees. Then they would process deposits, but would take all of my overdraft fees out of the deposits. \n","text":"Company chooses not to provide a public response","context":": US Bank would process my debits, largest first, so that my account would go negative and then incur overdraft fees. Then they would process deposits, but would take all of my overdraft fees out of the deposits. \n : Company chooses not to provide a public response"},{"Question":"I was unable to get my free annual credit report due to it asking me questions about a mortgage. I have never purchase a home. I have never had a mortgage. \n","text":"Company chooses not to provide a public response","context":": I was unable to get my free annual credit report due to it asking me questions about a mortgage. I have never purchase a home. I have never had a mortgage. \n : Company chooses not to provide a public response"},{"Question":"I was told by XXXX XXXX XXXX XXXX that I could try service for 30 days, and if not satisfied cancel free. They are trying to collect {$280.00}. \nI have had numerous conversations to solve the situation with no results. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I was told by XXXX XXXX XXXX XXXX that I could try service for 30 days, and if not satisfied cancel free. They are trying to collect {$280.00}. \nI have had numerous conversations to solve the situation with no results. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Inaccurate information reporting on my Experian and XXXX reports, this item was removed from my bureaus and now has come back from another collection agency as XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Inaccurate information reporting on my Experian and XXXX reports, this item was removed from my bureaus and now has come back from another collection agency as XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX, headquartered in XXXX, Pennsylvania, merged with First National Bank. Following the merger, online bank statements prior to the effective date of the transition ( XXXX\/XXXX\/16 ) are no longer available. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX, headquartered in XXXX, Pennsylvania, merged with First National Bank. Following the merger, online bank statements prior to the effective date of the transition ( XXXX\/XXXX\/16 ) are no longer available. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX account on my experian credit report was schedule to come of my credit report XX\/XX\/XXXX and experian refuses to remove it from my credit report I also attached a previous experian credit report form XX\/XX\/XXXX showing that XXXX account was schedule for deletion on XX\/XX\/XXXX \n","text":"Company chooses not to provide a public response","context":": XXXX account on my experian credit report was schedule to come of my credit report XX\/XX\/XXXX and experian refuses to remove it from my credit report I also attached a previous experian credit report form XX\/XX\/XXXX showing that XXXX account was schedule for deletion on XX\/XX\/XXXX \n : Company chooses not to provide a public response"},{"Question":"My current balance is currently : {$540.00} The account is showing that my balance is currently : {$1400.00}, which is highly incorrect. I am requesting this account be investigated or the account be validated | verified. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My current balance is currently : {$540.00} The account is showing that my balance is currently : {$1400.00}, which is highly incorrect. I am requesting this account be investigated or the account be validated | verified. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"TransUnion TransUnion 's profile photo XXXX This site\/email wants {$1.00} for 7 days then XXXX a month. \nshould I try experian for a FREE report \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": TransUnion TransUnion 's profile photo XXXX This site\/email wants {$1.00} for 7 days then XXXX a month. \nshould I try experian for a FREE report \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I filed bankruptcy and it was discharged in XXXX 2015. IC System Inc is still showing as an open collection account on my credit report with no balance or account number on it. Remarks are Bankruptcy chapter XXXX, bankruptcy discharged. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I filed bankruptcy and it was discharged in XXXX 2015. IC System Inc is still showing as an open collection account on my credit report with no balance or account number on it. Remarks are Bankruptcy chapter XXXX, bankruptcy discharged. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"on XXXX\/XXXX\/16 Wells fargo dealer services received an application forwarded from open roads lending. This application was not completed by me and is a fraud. Wells Fargo ran my XXXX credit report, but failed to have proper authorization. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": on XXXX\/XXXX\/16 Wells fargo dealer services received an application forwarded from open roads lending. This application was not completed by me and is a fraud. Wells Fargo ran my XXXX credit report, but failed to have proper authorization. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I DO NOT OWE DEBPT WITH BANK OF AMERICA. I NEVER REQUEST AND\/OR OWN ANY LOAN WITH BANK. THUS I NEVER GOT APPROVED FOR LOAN FURTHER, ICLAIM I LOST MONEY AS RESULT OF BANK OF AMERICA TRYING TO DEFRAUD ME \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I DO NOT OWE DEBPT WITH BANK OF AMERICA. I NEVER REQUEST AND\/OR OWN ANY LOAN WITH BANK. THUS I NEVER GOT APPROVED FOR LOAN FURTHER, ICLAIM I LOST MONEY AS RESULT OF BANK OF AMERICA TRYING TO DEFRAUD ME \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"DriveTime Financial whom my auto loan is through refused to change the date of when my payment is due. I advised them my company 's payroll dates were changing and the company refused to change payment dates as a one time courteousy to be line with my company 's payroll dates. \n","text":"Company chooses not to provide a public response","context":": DriveTime Financial whom my auto loan is through refused to change the date of when my payment is due. I advised them my company 's payroll dates were changing and the company refused to change payment dates as a one time courteousy to be line with my company 's payroll dates. \n : Company chooses not to provide a public response"},{"Question":"I have asked experian to fix these hard inquiries but they refuse. The company of XXXX XXXX sent them a letter and I have sent them a copy of the letter stating that this was an error and should only be once and not three times that they ran my credit. \n","text":"Company chooses not to provide a public response","context":": I have asked experian to fix these hard inquiries but they refuse. The company of XXXX XXXX sent them a letter and I have sent them a copy of the letter stating that this was an error and should only be once and not three times that they ran my credit. \n : Company chooses not to provide a public response"},{"Question":"I 've called the company and explained, that I 'm trying to buy a house. Also I 've been on-time for a while can you please help and take some lates off my account the company refused my request. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I 've called the company and explained, that I 'm trying to buy a house. Also I 've been on-time for a while can you please help and take some lates off my account the company refused my request. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"B of A is showing a home equity line of credit as still open on my XXXX and XXXX credit reports. that account ( XXXX ) was closed 7 years ago. It also shows that it was included in BK, which it was not. It should fall off of my credit profile in the next few months ... ... \n","text":"Company chooses not to provide a public response","context":": B of A is showing a home equity line of credit as still open on my XXXX and XXXX credit reports. that account ( XXXX ) was closed 7 years ago. It also shows that it was included in BK, which it was not. It should fall off of my credit profile in the next few months ... ... \n : Company chooses not to provide a public response"},{"Question":"Canceled service due price increase, that was not part of contract \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Canceled service due price increase, that was not part of contract \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have tried several time to get this removed from my credit report IT IS NOT MINE, IT IS NOT MY NAME. XXXX XXXX XXXX ACCOUNT # XXXX, XXXX REFUSES TO REMOVE. \nXXXX XXXX AND XXXX XXXX XXXX IS not my name, so remove from my file \n","text":"Company chooses not to provide a public response","context":": I have tried several time to get this removed from my credit report IT IS NOT MINE, IT IS NOT MY NAME. XXXX XXXX XXXX ACCOUNT # XXXX, XXXX REFUSES TO REMOVE. \nXXXX XXXX AND XXXX XXXX XXXX IS not my name, so remove from my file \n : Company chooses not to provide a public response"},{"Question":"I see these on my credit reports but have never been contacted. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I see these on my credit reports but have never been contacted. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have provided documentation that I do not owe the balance outstanding that is impacting my credit score and I have not gotten a response and the account has not been corrected on my credit report. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I have provided documentation that I do not owe the balance outstanding that is impacting my credit score and I have not gotten a response and the account has not been corrected on my credit report. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"They are reporting old address on my credit file that were never mine. \n","text":"Company chooses not to provide a public response","context":": They are reporting old address on my credit file that were never mine. \n : Company chooses not to provide a public response"},{"Question":"WOULD NOT OPEN A ACCOUNT NEED TO KNOW REASON \n","text":"Company chooses not to provide a public response","context":": WOULD NOT OPEN A ACCOUNT NEED TO KNOW REASON \n : Company chooses not to provide a public response"},{"Question":"Experian is currently reporting an account that the company has removed. XXXX and XXXX have stopped reporting the account 2 months ago when the company originally requested. the company is XXXX XXXX XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": Experian is currently reporting an account that the company has removed. XXXX and XXXX have stopped reporting the account 2 months ago when the company originally requested. the company is XXXX XXXX XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"Unwanted charges and harassment and credit problems from transunion.com because of a social intelligence hacker looking for work and credit \n","text":"Company chooses not to provide a public response","context":": Unwanted charges and harassment and credit problems from transunion.com because of a social intelligence hacker looking for work and credit \n : Company chooses not to provide a public response"},{"Question":"A collection account is affecting my credit sore. I want it remove because it 's not mine please I 'm trying to buy a house \n","text":"Company chooses not to provide a public response","context":": A collection account is affecting my credit sore. I want it remove because it 's not mine please I 'm trying to buy a house \n : Company chooses not to provide a public response"},{"Question":"I was offered a O % APR credit card for 15 months, but instead received a card with 3.5 % APR. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I was offered a O % APR credit card for 15 months, but instead received a card with 3.5 % APR. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Wells Fargo charged me {$90.00} for a safety deposit box that was closed in 2011, then charged me a {$35.00} overdraft fee to cover this box fee. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo charged me {$90.00} for a safety deposit box that was closed in 2011, then charged me a {$35.00} overdraft fee to cover this box fee. \n : Company chooses not to provide a public response"},{"Question":"Paid in full and account was closed in XXXX. This account is 7 years old and must been removed. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Paid in full and account was closed in XXXX. This account is 7 years old and must been removed. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I open an account for my XXXX Daughter wicht I specif made clear that the account has Not Ovedraf and No over drawn privileges. It is on the account contract., but Bank of America have taken almost {$200.00} on overdraft fees \n","text":"Company chooses not to provide a public response","context":": I open an account for my XXXX Daughter wicht I specif made clear that the account has Not Ovedraf and No over drawn privileges. It is on the account contract., but Bank of America have taken almost {$200.00} on overdraft fees \n : Company chooses not to provide a public response"},{"Question":"I am desperate need of a loan modification and I was denied by Greentree XX\/XX\/2013. I am a XXXX year old widow and according to Greentree I was not offered a loan modification because my income was outside of the range by XXXX cents. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am desperate need of a loan modification and I was denied by Greentree XX\/XX\/2013. I am a XXXX year old widow and according to Greentree I was not offered a loan modification because my income was outside of the range by XXXX cents. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This company has a debt listed which does not belong to me I want it removed \n","text":"Company chooses not to provide a public response","context":": This company has a debt listed which does not belong to me I want it removed \n : Company chooses not to provide a public response"},{"Question":"There are several inquiries on my credit report that I did n't authorize. \n","text":"Company chooses not to provide a public response","context":": There are several inquiries on my credit report that I did n't authorize. \n : Company chooses not to provide a public response"},{"Question":"repeatally attacking my credit account with same ole account that should be close. \n","text":"Company chooses not to provide a public response","context":": repeatally attacking my credit account with same ole account that should be close. \n : Company chooses not to provide a public response"},{"Question":"Debit and check overdraft fees. \nIts an annual XXXX XXXX dollar bank ripe off of the poorest citizens. \n","text":"Company chooses not to provide a public response","context":": Debit and check overdraft fees. \nIts an annual XXXX XXXX dollar bank ripe off of the poorest citizens. \n : Company chooses not to provide a public response"},{"Question":"I am a Veteran, and am tired of getting these shady offers in the mail. It is a rip off and I am sure there are veterans who fall for it. \n","text":"Company disputes the facts presented in the complaint","context":": I am a Veteran, and am tired of getting these shady offers in the mail. It is a rip off and I am sure there are veterans who fall for it. \n : Company disputes the facts presented in the complaint"},{"Question":"COLLECTOR FAILED TO VALIDATE DEBT AND VIOLATED FCRA, FDCPA AND TCPA. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": COLLECTOR FAILED TO VALIDATE DEBT AND VIOLATED FCRA, FDCPA AND TCPA. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I wrote a letter 30 days ago demanding legal validation. XXXX has ignored me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I wrote a letter 30 days ago demanding legal validation. XXXX has ignored me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Trans Union is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Trans Union is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I did not receive a notice that I even owed this debt. I do n't even know if it is mine \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I did not receive a notice that I even owed this debt. I do n't even know if it is mine \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I was covered by XXXX at the time of service. When notified that I was being billed, I filled out the back of the bill and sent it back with my XXXX info. There are XXXX delinquent accounts by the same collector, XXXX were covered by my XXXX benefits. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was covered by XXXX at the time of service. When notified that I was being billed, I filled out the back of the bill and sent it back with my XXXX info. There are XXXX delinquent accounts by the same collector, XXXX were covered by my XXXX benefits. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A number amount of overdraft fees that has my account in a major negative balance \n","text":"Company chooses not to provide a public response","context":": A number amount of overdraft fees that has my account in a major negative balance \n : Company chooses not to provide a public response"},{"Question":"I do not have any debt from XXXX XXXX XXXX company and am not even a customer, but somehow some debt collect companies kept attempts to collect debt and report to XXXX credit bureau. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I do not have any debt from XXXX XXXX XXXX company and am not even a customer, but somehow some debt collect companies kept attempts to collect debt and report to XXXX credit bureau. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"someone used my stolen identity information and created several accounts including this one from getting services and things that i was not apart of yet the information that was stolen was used this account is fraudulent and from id theft and needs to be taken off asap \n","text":"Company chooses not to provide a public response","context":": someone used my stolen identity information and created several accounts including this one from getting services and things that i was not apart of yet the information that was stolen was used this account is fraudulent and from id theft and needs to be taken off asap \n : Company chooses not to provide a public response"},{"Question":"Went to hospital Got tests done on my son Was not sent a bill saying I owed money to the hospital. \nThen just got a flag on my credit report while I 'm trying to buy a new house that we owe {$3100.00} and its flagged for XXXX which I took my son to hospital in XXXX. \n","text":"Company chooses not to provide a public response","context":": Went to hospital Got tests done on my son Was not sent a bill saying I owed money to the hospital. \nThen just got a flag on my credit report while I 'm trying to buy a new house that we owe {$3100.00} and its flagged for XXXX which I took my son to hospital in XXXX. \n : Company chooses not to provide a public response"},{"Question":"Experian is not responding to my requests to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act. \n","text":"Company chooses not to provide a public response","context":": Experian is not responding to my requests to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act. \n : Company chooses not to provide a public response"},{"Question":"I cant never get a credit score because they say that 's not me \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I cant never get a credit score because they say that 's not me \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Debt Collector is trying to collect an account that is not mine \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Debt Collector is trying to collect an account that is not mine \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I did sent a letter to Experian in indication of negative information on my Credit report, in which never responded back. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I did sent a letter to Experian in indication of negative information on my Credit report, in which never responded back. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"In 2010 my loan was transferred to Green tree services from XXXX I had an approved loan modification from XXXX. Once green tree got the loan They refused to honor the modification and made me loose my home. \nThe property is XXXX XXXX XXXX XXXX XXXX MD XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": In 2010 my loan was transferred to Green tree services from XXXX I had an approved loan modification from XXXX. Once green tree got the loan They refused to honor the modification and made me loose my home. \nThe property is XXXX XXXX XXXX XXXX XXXX MD XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"An company totally unknown to me named Certegy Check Services, Inc.has stated that they refused to allow my check to be cashed. This is from a legal class action court settlement ( Outage Alert Text Message Settlement c\/o XXXX XXXX XXXX ), and guaranteed by law. Check # XXXX \n","text":"Company chooses not to provide a public response","context":": An company totally unknown to me named Certegy Check Services, Inc.has stated that they refused to allow my check to be cashed. This is from a legal class action court settlement ( Outage Alert Text Message Settlement c\/o XXXX XXXX XXXX ), and guaranteed by law. Check # XXXX \n : Company chooses not to provide a public response"},{"Question":"father used my social security number to take out XXXX credit cards under my name \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": father used my social security number to take out XXXX credit cards under my name \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I did n't open a loan in XXXX of 2015 at XXXX XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I did n't open a loan in XXXX of 2015 at XXXX XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"A dispute was completed XX\/XX\/2016. Instead of deleting the item Experian update it. A dismissal with prejudice was completed on this case and should not be on my report. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": A dispute was completed XX\/XX\/2016. Instead of deleting the item Experian update it. A dismissal with prejudice was completed on this case and should not be on my report. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Senex information shared personal private HIPPA medical information about my medical condtion with Bureau of Consumer Finanacial protection. \nthey provided a document with all medical proecdures completed on me. this is against the law as per HIPPA \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Senex information shared personal private HIPPA medical information about my medical condtion with Bureau of Consumer Finanacial protection. \nthey provided a document with all medical proecdures completed on me. this is against the law as per HIPPA \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"US Bank is reporting false information on my credit files XXXX and XXXX \n","text":"Company chooses not to provide a public response","context":": US Bank is reporting false information on my credit files XXXX and XXXX \n : Company chooses not to provide a public response"},{"Question":"calls using a fake called id multiple call throughout the day call prior to XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": calls using a fake called id multiple call throughout the day call prior to XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Collector keeps calling me on a fraud account that is not mine \n","text":"Company can't verify or dispute the facts in the complaint","context":": Collector keeps calling me on a fraud account that is not mine \n : Company can't verify or dispute the facts in the complaint"},{"Question":"There are items on my credit of medical bills that are NOT mine and I would just like it removed and be done with it. I am a healthy male that has not been to the hospital or need to go. SO this bill is not mine. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": There are items on my credit of medical bills that are NOT mine and I would just like it removed and be done with it. I am a healthy male that has not been to the hospital or need to go. SO this bill is not mine. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Experian has refused to send me a updated disclosure keeps telling me I had to buy it I explained no I do n't I am a fraud victim which has a seven year fraud alert I want my credit report I have n't viewed this in over a year \n","text":"Company chooses not to provide a public response","context":": Experian has refused to send me a updated disclosure keeps telling me I had to buy it I explained no I do n't I am a fraud victim which has a seven year fraud alert I want my credit report I have n't viewed this in over a year \n : Company chooses not to provide a public response"},{"Question":"My mortgage bank dose not report every home loan payment I made. I have made 7 payments and they only reported 3 payments. \n","text":"Company chooses not to provide a public response","context":": My mortgage bank dose not report every home loan payment I made. I have made 7 payments and they only reported 3 payments. \n : Company chooses not to provide a public response"},{"Question":"Experian would not delete wrong personal information on my report. \n","text":"Company chooses not to provide a public response","context":": Experian would not delete wrong personal information on my report. \n : Company chooses not to provide a public response"},{"Question":"there are inaccuracies in my credit report and transunion euqifax and experian refuses to dispute them any further \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": there are inaccuracies in my credit report and transunion euqifax and experian refuses to dispute them any further \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"\" Input SSN is not issued by social security administration '' is on my credit report and I have a social from the Deferred Action. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": \" Input SSN is not issued by social security administration '' is on my credit report and I have a social from the Deferred Action. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Traded an online friend for a game and he never held up his side of the bargain and took my money. Essentially scammed me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Traded an online friend for a game and he never held up his side of the bargain and took my money. Essentially scammed me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The debtor called and left a voicemail. They did not disclose that they were calling about a debt and then left information regarding my personal direct deposit information without any indication of what this was about. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The debtor called and left a voicemail. They did not disclose that they were calling about a debt and then left information regarding my personal direct deposit information without any indication of what this was about. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX wireless mobile account listed in my report is not mine and is in another state, Ohio. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX wireless mobile account listed in my report is not mine and is in another state, Ohio. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"The offices of Berlin-Wheeler ( XXXX XXXX, XXXX, KS XXXX XXXX ) have been harassing me about a debt from a cable company ( XXXX XXXX ) that I last paid on in XXXX XXXX. Pursuant to Kansas law 60-511, the statute of limitations expired in XXXX XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The offices of Berlin-Wheeler ( XXXX XXXX, XXXX, KS XXXX XXXX ) have been harassing me about a debt from a cable company ( XXXX XXXX ) that I last paid on in XXXX XXXX. Pursuant to Kansas law 60-511, the statute of limitations expired in XXXX XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The debt was held by a business that I sold. The debt was transferred with the business. Bank of America is having difficulty getting in touch with the new owner. They call my home XXXX to XXXX times per day even though I have repeatedly explained the situation. \n","text":"Company chooses not to provide a public response","context":": The debt was held by a business that I sold. The debt was transferred with the business. Bank of America is having difficulty getting in touch with the new owner. They call my home XXXX to XXXX times per day even though I have repeatedly explained the situation. \n : Company chooses not to provide a public response"},{"Question":"Seneca Mortgage - loan Servicing, Posting of P & I and misapplication of payment. \n","text":"Company chooses not to provide a public response","context":": Seneca Mortgage - loan Servicing, Posting of P & I and misapplication of payment. \n : Company chooses not to provide a public response"},{"Question":"Open date of XXXX account is incorrect an I request a deletion of the entire listing \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Open date of XXXX account is incorrect an I request a deletion of the entire listing \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"my info does not match up with my social security number and i put in all of the correct information in and i still cant access my account \n","text":"Company believes the complaint is the result of a misunderstanding","context":": my info does not match up with my social security number and i put in all of the correct information in and i still cant access my account \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I have sent them a letter to ask them to prove to me that I owe this debt and they wrote back they spoke with the debtor but did not send me any proof of I owe this debt They sent me nothing at all to prove I owed this amount \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I have sent them a letter to ask them to prove to me that I owe this debt and they wrote back they spoke with the debtor but did not send me any proof of I owe this debt They sent me nothing at all to prove I owed this amount \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Trans Union is not responding to any of my requests to investigate, verify and remove accounts from my credit file that do not belong to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Trans Union is not responding to any of my requests to investigate, verify and remove accounts from my credit file that do not belong to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Diverse Funding bought a very old debt and placed a fake payment to re-age the debt. I have proof from my banking statements and institution as to when my last payment was. \n","text":"Company chooses not to provide a public response","context":": Diverse Funding bought a very old debt and placed a fake payment to re-age the debt. I have proof from my banking statements and institution as to when my last payment was. \n : Company chooses not to provide a public response"},{"Question":"all public liens were paid \n","text":"Company chooses not to provide a public response","context":": all public liens were paid \n : Company chooses not to provide a public response"},{"Question":"I submitted a complaint prior XXXX and do not think it is right to have to wait 60 days for a response and still have this listed on my credit file which is inaccurate. I want this removed while this investigation is being held. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I submitted a complaint prior XXXX and do not think it is right to have to wait 60 days for a response and still have this listed on my credit file which is inaccurate. I want this removed while this investigation is being held. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"EXPERIAN KNOWINGLY REPORTS ERRONEOUS INFORMATION, KNOWINGLY ALLOWS ACCOUNT TO BE RE-AGED, REFUSES TO INVESTIGATEAND REFUSED TO DELETE. \n","text":"Company chooses not to provide a public response","context":": EXPERIAN KNOWINGLY REPORTS ERRONEOUS INFORMATION, KNOWINGLY ALLOWS ACCOUNT TO BE RE-AGED, REFUSES TO INVESTIGATEAND REFUSED TO DELETE. \n : Company chooses not to provide a public response"},{"Question":"XXXX\/XXXX\/2015 XXXX unauthorized or fraudulent transaction of {$400.00} and {$300.00} dollars \n","text":"Company chooses not to provide a public response","context":": XXXX\/XXXX\/2015 XXXX unauthorized or fraudulent transaction of {$400.00} and {$300.00} dollars \n : Company chooses not to provide a public response"},{"Question":"make offers for credit, even if approved change terms ( always in their favor of course ) sales people AND management mis-inform clients blatant false advertising change websites ( 4 times in past year ) main retail website has link to bogus website \n","text":"Company chooses not to provide a public response","context":": make offers for credit, even if approved change terms ( always in their favor of course ) sales people AND management mis-inform clients blatant false advertising change websites ( 4 times in past year ) main retail website has link to bogus website \n : Company chooses not to provide a public response"},{"Question":"I 'm receiving calls from Professional Financial Services at least XXXX15 times a week. This tactics is unacceptable and causing additional XXXX. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I 'm receiving calls from Professional Financial Services at least XXXX15 times a week. This tactics is unacceptable and causing additional XXXX. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"US Bank is attempting to collect an unreasonable debt consisting of excessive {$25.00} fees they charged to my account even after I requested the account closed. The matter was reported to XXXX and to a collection company. \n","text":"Company chooses not to provide a public response","context":": US Bank is attempting to collect an unreasonable debt consisting of excessive {$25.00} fees they charged to my account even after I requested the account closed. The matter was reported to XXXX and to a collection company. \n : Company chooses not to provide a public response"},{"Question":"The credit bureau are reporting XXXX fraudulent collections where my identity was stolen. I have my police report and I am sending in the documentation \n","text":"Company can't verify or dispute the facts in the complaint","context":": The credit bureau are reporting XXXX fraudulent collections where my identity was stolen. I have my police report and I am sending in the documentation \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Macys XXXX statement was paid in person at the store. The payment was not credited to my account. \nMacys reported XXXX that payment was overdue which loweredmy credit score. \n","text":"Company chooses not to provide a public response","context":": Macys XXXX statement was paid in person at the store. The payment was not credited to my account. \nMacys reported XXXX that payment was overdue which loweredmy credit score. \n : Company chooses not to provide a public response"},{"Question":"Hillcrest Davidson & Associate brought an debt and change the original delinquency date of the account from the original lender. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Hillcrest Davidson & Associate brought an debt and change the original delinquency date of the account from the original lender. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have an auto account with Drivetime. When I am late with a payment, drivetime calls me on the telephone three to four times per day. \nDrivetime starts calling me at XXXX XXXX. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have an auto account with Drivetime. When I am late with a payment, drivetime calls me on the telephone three to four times per day. \nDrivetime starts calling me at XXXX XXXX. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"IQ Data International made a phone call to my cellphone after they have received and signed for a letter informing them not to call, that I will only conduct business with them in written correspondence. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": IQ Data International made a phone call to my cellphone after they have received and signed for a letter informing them not to call, that I will only conduct business with them in written correspondence. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I signed up to check my FICO score at Experian.com. This was supposed to cost {$5.00}. I was then apparently enrolled in a monthly recurring program, and charged a fee of {$19.00} per month. Experian refused to refund XXXX of the XXXX charges. \n","text":"Company chooses not to provide a public response","context":": I signed up to check my FICO score at Experian.com. This was supposed to cost {$5.00}. I was then apparently enrolled in a monthly recurring program, and charged a fee of {$19.00} per month. Experian refused to refund XXXX of the XXXX charges. \n : Company chooses not to provide a public response"},{"Question":"I lost my social security card and now i am unable to open a bank acct in my name. I attempted to sign up for credit karma, and it 's stating that info does n't match. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I lost my social security card and now i am unable to open a bank acct in my name. I attempted to sign up for credit karma, and it 's stating that info does n't match. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"XXXX XXXX was reinserted from a previously deleted dispute. This is the second time this has happened. We won our dispute with transition and you keep putting the negative information back on. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX was reinserted from a previously deleted dispute. This is the second time this has happened. We won our dispute with transition and you keep putting the negative information back on. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"i had a lot of credit card debt from when i was in school. along with {$12000.00} in student loans. i had to file for bankruptcy because they garnished my wages and could barely make it, paying my rent late every month. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": i had a lot of credit card debt from when i was in school. along with {$12000.00} in student loans. i had to file for bankruptcy because they garnished my wages and could barely make it, paying my rent late every month. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"this account is a result of my identity being stolen I havnt authorized the use of my personal information regarding this account # fior ars account resolution # XXXX this is being fraudulently reported to the credit bureus and being held by your company. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": this account is a result of my identity being stolen I havnt authorized the use of my personal information regarding this account # fior ars account resolution # XXXX this is being fraudulently reported to the credit bureus and being held by your company. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I wrote TransUnion on XXXX XXXX to dispute an incorrect address on my TransUnion credit report and they seem to be ignoring me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I wrote TransUnion on XXXX XXXX to dispute an incorrect address on my TransUnion credit report and they seem to be ignoring me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I had to transfer money into my US Bank Account for a loan I amclosing with the Bank in XXXX 2015. \nI was charged a wire fee of {$16.00} for this on my checking accountand I have asked for this to be reversed. \nUS Bank is refusing to do it. \n","text":"Company chooses not to provide a public response","context":": I had to transfer money into my US Bank Account for a loan I amclosing with the Bank in XXXX 2015. \nI was charged a wire fee of {$16.00} for this on my checking accountand I have asked for this to be reversed. \nUS Bank is refusing to do it. \n : Company chooses not to provide a public response"},{"Question":"I had disputes sent out on XXXX and never got the reply within the 30days that they are supposed to send the results. I called and they said they never got anything since XX\/XX\/XXXX which is a flat out lie, because I have other letters dating. \n","text":"Company chooses not to provide a public response","context":": I had disputes sent out on XXXX and never got the reply within the 30days that they are supposed to send the results. I called and they said they never got anything since XX\/XX\/XXXX which is a flat out lie, because I have other letters dating. \n : Company chooses not to provide a public response"},{"Question":"Inaccuarate information is on my credit report and information that is not mine. \n","text":"Company chooses not to provide a public response","context":": Inaccuarate information is on my credit report and information that is not mine. \n : Company chooses not to provide a public response"},{"Question":"I paid off a collection with XXXX XXXX and have proof of payment on record. Please update my credit report accordingly. I no longer owe this debt. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I paid off a collection with XXXX XXXX and have proof of payment on record. Please update my credit report accordingly. I no longer owe this debt. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Ok I seen some information that I never used or did I think someone using my information and making my credit bad identity theft \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Ok I seen some information that I never used or did I think someone using my information and making my credit bad identity theft \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I am a victim of identity theft and fraud, There are a lot of fraudulent accounts and inquiries listed on all three of my credit reports ( Experian, XXXX and XXXX ). As well as my child support account being listed as behind, when I am current on my monthly payments. \n","text":"Company chooses not to provide a public response","context":": I am a victim of identity theft and fraud, There are a lot of fraudulent accounts and inquiries listed on all three of my credit reports ( Experian, XXXX and XXXX ). As well as my child support account being listed as behind, when I am current on my monthly payments. \n : Company chooses not to provide a public response"},{"Question":"There is a XXXX XXXX that has a DLA of 7 years still listed on my credit file. I feel this company has re aged this. If a proper investigation was completed this would have been removed. XXXX # XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": There is a XXXX XXXX that has a DLA of 7 years still listed on my credit file. I feel this company has re aged this. If a proper investigation was completed this would have been removed. XXXX # XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I mailed MRS BPO in XX\/XX\/XXXX disputing this and demanding legal validation. They have refused to respond. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I mailed MRS BPO in XX\/XX\/XXXX disputing this and demanding legal validation. They have refused to respond. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"After submitting all required and requested documents in support of a loan modification, servicer has sent a letter saying application is incomplete and they will not be reviewing the application for modification. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": After submitting all required and requested documents in support of a loan modification, servicer has sent a letter saying application is incomplete and they will not be reviewing the application for modification. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Did not recieve dummy letter which allows me to ask them to validate the accounts. That is a violation of the FDCPA. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Did not recieve dummy letter which allows me to ask them to validate the accounts. That is a violation of the FDCPA. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was denied credit and I pulled my credit report. I found a collection had been added to my report that I had no knowledge of. I was never contacted before it was added to my credit report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was denied credit and I pulled my credit report. I found a collection had been added to my report that I had no knowledge of. I was never contacted before it was added to my credit report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Element Global Services has continued to leave voicemail messages on my phone asking for a specific person. I am not that person. I advised them they had the wrong number. The next day, they left two new voicemail messages for the same person ( who is not me ). \n","text":"Company believes complaint is the result of an isolated error","context":": Element Global Services has continued to leave voicemail messages on my phone asking for a specific person. I am not that person. I advised them they had the wrong number. The next day, they left two new voicemail messages for the same person ( who is not me ). \n : Company believes complaint is the result of an isolated error"},{"Question":"This person called stating that I owed more than amount on bill. Stating that it was a past due bill and they tried to collect. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This person called stating that I owed more than amount on bill. Stating that it was a past due bill and they tried to collect. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I returned an item 3 weeks after purchasing due to item not working properly. I did n't receive a credit for it as the item was lost in the process. \n","text":"Company chooses not to provide a public response","context":": I returned an item 3 weeks after purchasing due to item not working properly. I did n't receive a credit for it as the item was lost in the process. \n : Company chooses not to provide a public response"},{"Question":"Paypal holds money even when they are giving information that the seller has received their items back, to make interest off the holds they do. This is illegal \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Paypal holds money even when they are giving information that the seller has received their items back, to make interest off the holds they do. This is illegal \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"i have previously dispute so many creditors on my credit report .... \n\nI would love for all of the fraudulent student loan reports to be moved. \n\nplease contact me at XXXXXXXXXXXX to go over each one ... \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": i have previously dispute so many creditors on my credit report .... \n\nI would love for all of the fraudulent student loan reports to be moved. \n\nplease contact me at XXXXXXXXXXXX to go over each one ... \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I am very disappointed with Experian. There are inaccurate items on my report dragging my score down about XXXX points. Please find the attached letter of said inaccuracies. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I am very disappointed with Experian. There are inaccurate items on my report dragging my score down about XXXX points. Please find the attached letter of said inaccuracies. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Some of the accounts are reporting as \" late '' and saying they are fairly new accounts. In reality these are 7 to 10 years old, and should by all rights be closed. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Some of the accounts are reporting as \" late '' and saying they are fairly new accounts. In reality these are 7 to 10 years old, and should by all rights be closed. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Credit Collection Services XXXX XXXX XXXX, MA XXXX you call this XXXX ( XXXX ) XXXX and they ask for your number to access your account and then they hang up the phone. This happened to me twice when I called. Can something be done about this? \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Credit Collection Services XXXX XXXX XXXX, MA XXXX you call this XXXX ( XXXX ) XXXX and they ask for your number to access your account and then they hang up the phone. This happened to me twice when I called. Can something be done about this? \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Continuous calls. Say searching for me. will contact family employers friends etc.to full extent of law. Do not identify debt. No paperwork or notification within 5 days. Of first call. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Continuous calls. Say searching for me. will contact family employers friends etc.to full extent of law. Do not identify debt. No paperwork or notification within 5 days. Of first call. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Sallie Mae and XXXX continually call my grandparents, who were not cosigners nor my guardians at the time I took out the loan. They are continually harassing them without cause. They have no current and had no past control over my loans or my education. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Sallie Mae and XXXX continually call my grandparents, who were not cosigners nor my guardians at the time I took out the loan. They are continually harassing them without cause. They have no current and had no past control over my loans or my education. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was denied credit so I pulled a credit report. I found that the company ERC placed an account on my credit report that I have no knowledge of nor was I notified before it went into collections. This is a violation of the Fair Credit Reporting Act. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was denied credit so I pulled a credit report. I found that the company ERC placed an account on my credit report that I have no knowledge of nor was I notified before it went into collections. This is a violation of the Fair Credit Reporting Act. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I want to start building credit and tried checking my info on credit karma, ive put my name down with every address i lived on and it tells me the info i put is false. \n","text":"Company chooses not to provide a public response","context":": I want to start building credit and tried checking my info on credit karma, ive put my name down with every address i lived on and it tells me the info i put is false. \n : Company chooses not to provide a public response"},{"Question":"Trans Union is not responding to my requests to investigate and remove XXXX accounts from my credit report that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Trans Union is not responding to my requests to investigate and remove XXXX accounts from my credit report that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"I can not access my Crdit report or scores.. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I can not access my Crdit report or scores.. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I checked my score then weeks later i recived a letter from XXXX XXXX XXXX that a identity alert has a block on my credit and i need to respond. so everything checks out fine. please remove this alert block off my credit thank you \n","text":"Company chooses not to provide a public response","context":": I checked my score then weeks later i recived a letter from XXXX XXXX XXXX that a identity alert has a block on my credit and i need to respond. so everything checks out fine. please remove this alert block off my credit thank you \n : Company chooses not to provide a public response"},{"Question":"Credit Karma has put a wrong information on XXXX credit report time after time and there are not pay attention to my despite \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Credit Karma has put a wrong information on XXXX credit report time after time and there are not pay attention to my despite \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"They have me living in XXXX XXXX XXXX, Il and I have n't lived there since I was XXXX years of age. My last XXXX years have been in XXXX and XXXX. I have been a registered voter in those states for those years. \n","text":"Company chooses not to provide a public response","context":": They have me living in XXXX XXXX XXXX, Il and I have n't lived there since I was XXXX years of age. My last XXXX years have been in XXXX and XXXX. I have been a registered voter in those states for those years. \n : Company chooses not to provide a public response"},{"Question":"They changed the amount that was owed after it went to auction. \n","text":"Company chooses not to provide a public response","context":": They changed the amount that was owed after it went to auction. \n : Company chooses not to provide a public response"},{"Question":"Experian has a Medical collections recorded on my credit report for my step son. that was paid in full over 2 years ago that they will not remove. \n\nI understood medical collections was not to remain on credit report. They have refused to remove it, which others have. \n","text":"Company chooses not to provide a public response","context":": Experian has a Medical collections recorded on my credit report for my step son. that was paid in full over 2 years ago that they will not remove. \n\nI understood medical collections was not to remain on credit report. They have refused to remove it, which others have. \n : Company chooses not to provide a public response"},{"Question":"Branch Banking and Trust has closed my credit card account without any form of notification for having no activity for 12 months \n","text":"Company chooses not to provide a public response","context":": Branch Banking and Trust has closed my credit card account without any form of notification for having no activity for 12 months \n : Company chooses not to provide a public response"},{"Question":"I opened a consumer checking account with Bank of America and they decided to close the account the same day. They offered no explanation as to why they closed it. It 's very frustrating for me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I opened a consumer checking account with Bank of America and they decided to close the account the same day. They offered no explanation as to why they closed it. It 's very frustrating for me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Bank of American continuously charges overdraft fees that are way above interest rates. I was short {$4.00} ( which was available in my savings account ) and they charged me XXXX overdraft fee. \n","text":"Company chooses not to provide a public response","context":": Bank of American continuously charges overdraft fees that are way above interest rates. I was short {$4.00} ( which was available in my savings account ) and they charged me XXXX overdraft fee. \n : Company chooses not to provide a public response"},{"Question":"monterey financial ageed to update the credit bureaus after my last dispute through CFPB. However XXXX is reporting the item as being 60 to 90 days late. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": monterey financial ageed to update the credit bureaus after my last dispute through CFPB. However XXXX is reporting the item as being 60 to 90 days late. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Collection service is constantly sending paper notice to collect a debt for someone who does n't reside at my address. I 've spoken to the agency and had the letters sent back to them but the notices keep coming to my address. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Collection service is constantly sending paper notice to collect a debt for someone who does n't reside at my address. I 've spoken to the agency and had the letters sent back to them but the notices keep coming to my address. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I have a credit card that does not show on my Trains Union report. How do I get credit card on my score? \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have a credit card that does not show on my Trains Union report. How do I get credit card on my score? \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"This was paid last year in full. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This was paid last year in full. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Navy Federal Credit Union ran my credit last week without any permission from me! I have open disputes with them and they ran my credit without any authorization from me! They DO NOT have my permission to ever run my credit. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Navy Federal Credit Union ran my credit last week without any permission from me! I have open disputes with them and they ran my credit without any authorization from me! They DO NOT have my permission to ever run my credit. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"ERRONEOUS INFORMATION ON MY CREDIT REPORT, SCORING INNACURATE INFORMATION, EXPERIAN HAS N'T UPDATED STAUS CURRENT OF MY CREDIT TRADE LINES ALL IN GOOD STATUS. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": ERRONEOUS INFORMATION ON MY CREDIT REPORT, SCORING INNACURATE INFORMATION, EXPERIAN HAS N'T UPDATED STAUS CURRENT OF MY CREDIT TRADE LINES ALL IN GOOD STATUS. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"We acquired a loan modification loan some years ago and have had nothing but issues with Green tree and now Ditech. Fraud, misapproiation of funds, threats and numerous other problems with this loan. We are in disperate need of help. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": We acquired a loan modification loan some years ago and have had nothing but issues with Green tree and now Ditech. Fraud, misapproiation of funds, threats and numerous other problems with this loan. We are in disperate need of help. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"XXXX HAS CONTINUE TO REPORT AND ACCOUNT THATS NOT MINE THIS IS BEING REPORTED TO XXXX, XXXX XXXX THIS INFORMATON IS INACCURATE!. LOWERING MY CREDIT SCORES \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX HAS CONTINUE TO REPORT AND ACCOUNT THATS NOT MINE THIS IS BEING REPORTED TO XXXX, XXXX XXXX THIS INFORMATON IS INACCURATE!. LOWERING MY CREDIT SCORES \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I DO N'T KNOW WHERE THIS DEBT IS COMING FROM. \n","text":"Company chooses not to provide a public response","context":": I DO N'T KNOW WHERE THIS DEBT IS COMING FROM. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX -- -XXXX XXXX AND XXXX XXXX XXXX XXXX INQUIRES ON MY CREDIT BY NEGLIGENCE ( XXXX ) TOTALING XXXX-BUREAUS TRANSUNION-XXXX-XXXX. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX -- -XXXX XXXX AND XXXX XXXX XXXX XXXX INQUIRES ON MY CREDIT BY NEGLIGENCE ( XXXX ) TOTALING XXXX-BUREAUS TRANSUNION-XXXX-XXXX. \n : Company chooses not to provide a public response"},{"Question":"Financial Recovery Services is calling for someone who owes a debt but does NOT live at the phone number being called. They keep calling the \" wrong number '' day after day and month after month looking for someone else. I AM ON THE DO NOT CALL LIST! \n","text":"Company can't verify or dispute the facts in the complaint","context":": Financial Recovery Services is calling for someone who owes a debt but does NOT live at the phone number being called. They keep calling the \" wrong number '' day after day and month after month looking for someone else. I AM ON THE DO NOT CALL LIST! \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Green Tree Serving we have insurance threw them they wo n't let us file a claim.Could someone help us, This Mortgage Company is not doing something wright because the escrow does n't change \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Green Tree Serving we have insurance threw them they wo n't let us file a claim.Could someone help us, This Mortgage Company is not doing something wright because the escrow does n't change \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have many debts on my report that are my uncles that has the same name as mine. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have many debts on my report that are my uncles that has the same name as mine. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Around XXXX XXXX, 2015 I sent in dispute letters regarding incorrect reporting on my credit report. I received letters back stating it was correct and told they case was closed. \n","text":"Company chooses not to provide a public response","context":": Around XXXX XXXX, 2015 I sent in dispute letters regarding incorrect reporting on my credit report. I received letters back stating it was correct and told they case was closed. \n : Company chooses not to provide a public response"},{"Question":"The debt is past the statue of limitations and its also older then 7 years. I have disputed and asked for it to come off all the credit reports and somehow it has stayed on. its over 7 years old. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The debt is past the statue of limitations and its also older then 7 years. I have disputed and asked for it to come off all the credit reports and somehow it has stayed on. its over 7 years old. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I receive 6-8 calls a day from different area codes but the same collector to get around the harrasment statutes. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I receive 6-8 calls a day from different area codes but the same collector to get around the harrasment statutes. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This was removed from my credit report then it reappeared. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This was removed from my credit report then it reappeared. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I recently check my XXXX credit report and there is an exaggerated past due amount of {$16000.00} from Barclays Bank Delaware. I do not owe this amount of money or am I conducting business with this company. \n","text":"Company chooses not to provide a public response","context":": I recently check my XXXX credit report and there is an exaggerated past due amount of {$16000.00} from Barclays Bank Delaware. I do not owe this amount of money or am I conducting business with this company. \n : Company chooses not to provide a public response"},{"Question":"The City of XXXX charged had a balance due of {$77.00} but Fidelity Credit service charged me over a XXXX % penalty for using them as a debt collection service for a total of {$100.00}. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The City of XXXX charged had a balance due of {$77.00} but Fidelity Credit service charged me over a XXXX % penalty for using them as a debt collection service for a total of {$100.00}. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They sending a bill i dont owe at all, they just post it on my 3 credit report \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They sending a bill i dont owe at all, they just post it on my 3 credit report \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Trans Union is not responding to my request to investigate and remove some accounts from my credit report that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Trans Union is not responding to my request to investigate and remove some accounts from my credit report that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"Received letter from XXXX XXXX XXXX XXXX XXXX I sent letter as i do not owe them anything. They claim to have purchase third party debt from MBNA. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Received letter from XXXX XXXX XXXX XXXX XXXX I sent letter as i do not owe them anything. They claim to have purchase third party debt from MBNA. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have requested both Navy Federal Credit Union and XXXX XXXX to provide me proof with the VIN # to the vehicle that they are reporting as charged off. They have refused to provide me a the vehicle identification number that is assigned to the account. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have requested both Navy Federal Credit Union and XXXX XXXX to provide me proof with the VIN # to the vehicle that they are reporting as charged off. They have refused to provide me a the vehicle identification number that is assigned to the account. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I signed up for a Citibank XXXX Card where they promised me {$350.00} If I spent {$2000.00} within the first three months. I did that and they only gave me {$150.00}. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I signed up for a Citibank XXXX Card where they promised me {$350.00} If I spent {$2000.00} within the first three months. I did that and they only gave me {$150.00}. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Bank of America claims I am past due when I am set up on recurring payments. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Bank of America claims I am past due when I am set up on recurring payments. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I was sent a collection notice on a bill that I paid already. Hospital has no record of sending to collections. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I was sent a collection notice on a bill that I paid already. Hospital has no record of sending to collections. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"File number XXXX dated XXXX\/XXXX\/2015 by Transunion reflects on page XXXX of XXXX ' XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Paid Collection shows above XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX IN MY LIFE. NOR FINANCED XXXX TRANSUNION SHOWS A 30 DAY LATE WHICH IS WRONG \n","text":"Company chooses not to provide a public response","context":": File number XXXX dated XXXX\/XXXX\/2015 by Transunion reflects on page XXXX of XXXX ' XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Paid Collection shows above XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX IN MY LIFE. NOR FINANCED XXXX TRANSUNION SHOWS A 30 DAY LATE WHICH IS WRONG \n : Company chooses not to provide a public response"},{"Question":"Southwest Credit XXXX continues to harass me \n","text":"Company can't verify or dispute the facts in the complaint","context":": Southwest Credit XXXX continues to harass me \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Wells Fargo charged interest on the full amount which does not recognize multiple payments made within the billing cycle. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo charged interest on the full amount which does not recognize multiple payments made within the billing cycle. \n : Company chooses not to provide a public response"},{"Question":"Fraud charge on credit card for product never received. \nBarclayCard Services XXXX. XXXX XXXX XXXX, DE XXXX \n","text":"Company chooses not to provide a public response","context":": Fraud charge on credit card for product never received. \nBarclayCard Services XXXX. XXXX XXXX XXXX, DE XXXX \n : Company chooses not to provide a public response"},{"Question":"They are saying they can take me to jail for something i knew no knowledge of has farr as XXXX for my lisense plat XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They are saying they can take me to jail for something i knew no knowledge of has farr as XXXX for my lisense plat XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There are accounts in my credit file that do not belong to me and Trans Union is ignoring my requests to investigate and remove them from my credit file. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": There are accounts in my credit file that do not belong to me and Trans Union is ignoring my requests to investigate and remove them from my credit file. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX made an error in reporting amount owed All XXXX bureaus have not updated the info \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX made an error in reporting amount owed All XXXX bureaus have not updated the info \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back. \n","text":"Company chooses not to provide a public response","context":": There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back. \n : Company chooses not to provide a public response"},{"Question":"I have disputed this account via this website and have not received a response within the allowed timeframe. It was given 30 days to dispute. \n","text":"Company chooses not to provide a public response","context":": I have disputed this account via this website and have not received a response within the allowed timeframe. It was given 30 days to dispute. \n : Company chooses not to provide a public response"},{"Question":"After presenting name,. SSN, and Date of Birth the Experian system tells me they can not confirm my identity, and I have been unable to contact a human to talk with to try to find out why they can not confirm my identity. \n","text":"Company chooses not to provide a public response","context":": After presenting name,. SSN, and Date of Birth the Experian system tells me they can not confirm my identity, and I have been unable to contact a human to talk with to try to find out why they can not confirm my identity. \n : Company chooses not to provide a public response"},{"Question":"I bought a camara and fill out an application for a credit card, they say sent to my mailbox but I did not receive the credit card, some else it to buy several things \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I bought a camara and fill out an application for a credit card, they say sent to my mailbox but I did not receive the credit card, some else it to buy several things \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Late fee and interest assessed when payment was mailed and dated as on time. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Late fee and interest assessed when payment was mailed and dated as on time. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Call received from a collection agency as in represented as a lawyer claiming false statements to collect a wrong amount. \n\nReceived letter from collection agency with incorrect amount. \n\nCopy of insurance included with the correct amount. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Call received from a collection agency as in represented as a lawyer claiming false statements to collect a wrong amount. \n\nReceived letter from collection agency with incorrect amount. \n\nCopy of insurance included with the correct amount. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They saying that they ca n't find me like my SSN its right idk what to do help me fix it I need my credit score \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": They saying that they ca n't find me like my SSN its right idk what to do help me fix it I need my credit score \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Please remove all disputed items. \nAmericas Servicing Co XXXX XXXX XXXX Also I have requested removal of the extended fraud alert 3 times. It still is on my report \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Please remove all disputed items. \nAmericas Servicing Co XXXX XXXX XXXX Also I have requested removal of the extended fraud alert 3 times. It still is on my report \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"calls 3-4 times a day saying I owe a debt. I acknowledged that I owed the debt but still keeps harassing me. called this morning XXXX\/XXXX\/2016 at XXXX. and calls frequently through out the day. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": calls 3-4 times a day saying I owe a debt. I acknowledged that I owed the debt but still keeps harassing me. called this morning XXXX\/XXXX\/2016 at XXXX. and calls frequently through out the day. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I submitted info to the credit reports and the info is still there \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I submitted info to the credit reports and the info is still there \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Account # XXXX XXXX XXXX XXXX. & XXXX has incorrectly billed me for over {$2000.00} ; I do n't owe this debt. I have uploaded a copy of the correct billing statement. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Account # XXXX XXXX XXXX XXXX. & XXXX has incorrectly billed me for over {$2000.00} ; I do n't owe this debt. I have uploaded a copy of the correct billing statement. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"i had a loan with green tree and now they say i have to pay ditech for my manufacued home they are taking my rights away in mississippi i need help at XXXX XXXX XXXX in XXXX ms. please help me god!!!!!!!!!!!! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i had a loan with green tree and now they say i have to pay ditech for my manufacued home they are taking my rights away in mississippi i need help at XXXX XXXX XXXX in XXXX ms. please help me god!!!!!!!!!!!! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"this account was stolen 9 years ago and used fraudulently.it was reported to the original creditor XXXX XXXX XXXX. I am not responsible for this charges, I was victim of fraud. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": this account was stolen 9 years ago and used fraudulently.it was reported to the original creditor XXXX XXXX XXXX. I am not responsible for this charges, I was victim of fraud. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"UCB collection contacted my Job 18 time in one day and disclosed my debt to my supervisor and told her that they will be sending the sheriffs to the job to arrest me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": UCB collection contacted my Job 18 time in one day and disclosed my debt to my supervisor and told her that they will be sending the sheriffs to the job to arrest me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"BB & T made a mistake and will not correct it. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": BB & T made a mistake and will not correct it. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"There are XXXX collection accounts on my TransUnion credit report that do not belong to me. I did file disputes, but they are still there. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": There are XXXX collection accounts on my TransUnion credit report that do not belong to me. I did file disputes, but they are still there. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"TRANS UNION HAS BEEN NOTIFIED ON XXXX\/XXXX\/15 THAT I AM A VICTIM OF IDENTITY THEFT AND THAT AN ACCOUNT WAS OPENED AT XXXX BANK THAT IS NOT MINE. THEY HAD DELETED THIS ITEM BUT IT HAS REAPPEARED ON MY CREDIT REPORTS. I HAVE SUBMITTED TO THEM A POLICE REPORT REGARDING THIS MATTER. \n","text":"Company chooses not to provide a public response","context":": TRANS UNION HAS BEEN NOTIFIED ON XXXX\/XXXX\/15 THAT I AM A VICTIM OF IDENTITY THEFT AND THAT AN ACCOUNT WAS OPENED AT XXXX BANK THAT IS NOT MINE. THEY HAD DELETED THIS ITEM BUT IT HAS REAPPEARED ON MY CREDIT REPORTS. I HAVE SUBMITTED TO THEM A POLICE REPORT REGARDING THIS MATTER. \n : Company chooses not to provide a public response"},{"Question":"I have paid my bills and they are still showing open \n","text":"Company chooses not to provide a public response","context":": I have paid my bills and they are still showing open \n : Company chooses not to provide a public response"},{"Question":"Experian is not responding to any of my numerous requests to investigate, verify and remove some accounts from my credit report that do not belong to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian is not responding to any of my numerous requests to investigate, verify and remove some accounts from my credit report that do not belong to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have had to go to the local XXXX for XXXX and then when I had received E-Coli, I did not have the money to pay the bills. After continuous calls from patient billing services, they have sent my collections to debt collectors. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have had to go to the local XXXX for XXXX and then when I had received E-Coli, I did not have the money to pay the bills. After continuous calls from patient billing services, they have sent my collections to debt collectors. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"This is on my credit report. I do not know what it is for and question it. \n","text":"Company chooses not to provide a public response","context":": This is on my credit report. I do not know what it is for and question it. \n : Company chooses not to provide a public response"},{"Question":"This is on my credit report but I never received any information on it \n","text":"Company chooses not to provide a public response","context":": This is on my credit report but I never received any information on it \n : Company chooses not to provide a public response"},{"Question":"ALL CREDIT AGENCIES LISTED ACCOUNTS NOT MINES AND OUTDATED REPORTING WITH CONTINUE TO REFRESH DATA ... REMOVE ALL FROM FILE ASAP ... '' PUBLIC RECORDS\/ BK CH XXXX, XXXX XXXX, XXXX, XXXX , XXXX, XXXX '' \n","text":"Company chooses not to provide a public response","context":": ALL CREDIT AGENCIES LISTED ACCOUNTS NOT MINES AND OUTDATED REPORTING WITH CONTINUE TO REFRESH DATA ... REMOVE ALL FROM FILE ASAP ... '' PUBLIC RECORDS\/ BK CH XXXX, XXXX XXXX, XXXX, XXXX , XXXX, XXXX '' \n : Company chooses not to provide a public response"},{"Question":"Kay Jewlers will call from blocked numbers, random numbers and blocked numbers at all hours M-S, even at night or very early sometimes 15 times a day. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Kay Jewlers will call from blocked numbers, random numbers and blocked numbers at all hours M-S, even at night or very early sometimes 15 times a day. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"There is a collection listed which is unknown, disputed with no outcome or verification. Please help \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": There is a collection listed which is unknown, disputed with no outcome or verification. Please help \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Collection agency inquires on my credit report without permissible purpose. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Collection agency inquires on my credit report without permissible purpose. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The mortgage is a 50 year mortgage with a 30 year balloon. This mortgage is an Adjustable Rate Mortgage. I was told it was a 30-year loan and it is not. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The mortgage is a 50 year mortgage with a 30 year balloon. This mortgage is an Adjustable Rate Mortgage. I was told it was a 30-year loan and it is not. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I found this address on my credit report and i have never stayed in Colorado i think somebody trying to open an account using my information XXXX, CO XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I found this address on my credit report and i have never stayed in Colorado i think somebody trying to open an account using my information XXXX, CO XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"An account is still showing a balance after being paid. \n","text":"Company believes complaint is the result of an isolated error","context":": An account is still showing a balance after being paid. \n : Company believes complaint is the result of an isolated error"},{"Question":"I HAVE HAD A MORTAGE WITH BANK OF AMERICA SINCE XXXX XXXX XXXX AND HAD A MODIFICATION XXXX XXXX AND HAVE BEEN PAYING IT EVER SINCE AND WOULD LIKE MY MORTAGE MAYMENT TO BE POSTED TO MY CREDIT BUREAUS EVERY MONTH SINCE MY MODIFICATION, \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I HAVE HAD A MORTAGE WITH BANK OF AMERICA SINCE XXXX XXXX XXXX AND HAD A MODIFICATION XXXX XXXX AND HAVE BEEN PAYING IT EVER SINCE AND WOULD LIKE MY MORTAGE MAYMENT TO BE POSTED TO MY CREDIT BUREAUS EVERY MONTH SINCE MY MODIFICATION, \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"While checking my reports I noticed in the collections area an entry from Cach LLC opened XXXX XXXX for a debt that is not mines. I 've had no communication from this company concerning this unvalidated debt and I 'm sure there has to be a mistake. \n","text":"Company chooses not to provide a public response","context":": While checking my reports I noticed in the collections area an entry from Cach LLC opened XXXX XXXX for a debt that is not mines. I 've had no communication from this company concerning this unvalidated debt and I 'm sure there has to be a mistake. \n : Company chooses not to provide a public response"},{"Question":"Credit score for Transunion has changed by almost XXXX pointsd and I have paid all accounts on time with no closing of any accounts. \n","text":"Company chooses not to provide a public response","context":": Credit score for Transunion has changed by almost XXXX pointsd and I have paid all accounts on time with no closing of any accounts. \n : Company chooses not to provide a public response"},{"Question":"My credit report states that I owe {$400.00} to XXXX. I have n't had an account with XXXX in over 7 years, nor did I owe them money when the service was transfered to the new tenant in the building the service was being provided to. \n","text":"Company chooses not to provide a public response","context":": My credit report states that I owe {$400.00} to XXXX. I have n't had an account with XXXX in over 7 years, nor did I owe them money when the service was transfered to the new tenant in the building the service was being provided to. \n : Company chooses not to provide a public response"},{"Question":"Bank America made me signed an agreement with out disclosing the interest rate or the new term of the loan. I was just presented a lower monthly rate. I was happy to see the new mortgage rate was low. But after it was said and done. The interest rate remained the same and term. \n","text":"Company chooses not to provide a public response","context":": Bank America made me signed an agreement with out disclosing the interest rate or the new term of the loan. I was just presented a lower monthly rate. I was happy to see the new mortgage rate was low. But after it was said and done. The interest rate remained the same and term. \n : Company chooses not to provide a public response"},{"Question":"My loan was placed with an attorney for collections and the attorney sends all correspondence to my place of employment. I was told today from my employer that this has to stop. \n","text":"Company disputes the facts presented in the complaint","context":": My loan was placed with an attorney for collections and the attorney sends all correspondence to my place of employment. I was told today from my employer that this has to stop. \n : Company disputes the facts presented in the complaint"},{"Question":"Debt collection is reporting same debt info to collection agents again and again. I paid complete amount and removed from the report last year but again they reported on XXXX 2015. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Debt collection is reporting same debt info to collection agents again and again. I paid complete amount and removed from the report last year but again they reported on XXXX 2015. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I found that Citi \/ AAdvantage Platinum Select Card charged me an additional {$0.00} on almost all of my credit card charges in 2015. \n","text":"Company chooses not to provide a public response","context":": I found that Citi \/ AAdvantage Platinum Select Card charged me an additional {$0.00} on almost all of my credit card charges in 2015. \n : Company chooses not to provide a public response"},{"Question":"I made a balance transfer of {$3000.00} from Citi card to XXXX on XXXX XXXX 2016. \nToday is XXXX XXXX 2016 and the {$3000.00} still show in both accounts. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I made a balance transfer of {$3000.00} from Citi card to XXXX on XXXX XXXX 2016. \nToday is XXXX XXXX 2016 and the {$3000.00} still show in both accounts. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have default judgment against me that was filed by the law firm of Hanna and Associates. I never received any documents to verify\/deny the debt was owed. The debt they are claiming has over {$3000.00} in interest. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have default judgment against me that was filed by the law firm of Hanna and Associates. I never received any documents to verify\/deny the debt was owed. The debt they are claiming has over {$3000.00} in interest. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They keep calling on house phone and it starts around XXXX ; XXXX XXXX AND keeps calling and leaves no message. I think it is a robo telephone call and they will keep calling all day. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": They keep calling on house phone and it starts around XXXX ; XXXX XXXX AND keeps calling and leaves no message. I think it is a robo telephone call and they will keep calling all day. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I was billed for services never received and charged for a high end toothbrush I never received and the dental office fabricat d statements for dates I never visited the office. The account was placed in collections and they claim the balance is due. \n","text":"Company disputes the facts presented in the complaint","context":": I was billed for services never received and charged for a high end toothbrush I never received and the dental office fabricat d statements for dates I never visited the office. The account was placed in collections and they claim the balance is due. \n : Company disputes the facts presented in the complaint"},{"Question":"I have found this on my credit report. I do not know what it is for. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have found this on my credit report. I do not know what it is for. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have sent numerous emails pertaining to a Timeshare that I did not sign up for, I believe an ex-friend of mine, used my ID an obtained this credit along with other creditors. \n","text":"Company chooses not to provide a public response","context":": I have sent numerous emails pertaining to a Timeshare that I did not sign up for, I believe an ex-friend of mine, used my ID an obtained this credit along with other creditors. \n : Company chooses not to provide a public response"},{"Question":"there are XXXX debt that are not inmy name that are reporting on my credit. im trying to buy a home wiithin the next 30 days this should not be on my account in im reaching out for help to have it removed \n","text":"Company chooses not to provide a public response","context":": there are XXXX debt that are not inmy name that are reporting on my credit. im trying to buy a home wiithin the next 30 days this should not be on my account in im reaching out for help to have it removed \n : Company chooses not to provide a public response"},{"Question":"Request a payoff statement on an existing loan \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Request a payoff statement on an existing loan \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"this is a fraudulent account that I did not open and is still being reported and collected on .... that needs to be removed ... this was from my identity being stolen \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": this is a fraudulent account that I did not open and is still being reported and collected on .... that needs to be removed ... this was from my identity being stolen \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Received a very vague letter from this \" company '' attempting to collect an {$80.00} \" debt '' with no information about this supposed debt - just multiple options for making a payment. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Received a very vague letter from this \" company '' attempting to collect an {$80.00} \" debt '' with no information about this supposed debt - just multiple options for making a payment. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"All of the following credit breaus has been allowed and continues to allow resubmission of unproven credit claims against consumers credit files. This should be illegal for them to continuously do with no check and balanceses. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": All of the following credit breaus has been allowed and continues to allow resubmission of unproven credit claims against consumers credit files. This should be illegal for them to continuously do with no check and balanceses. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Bank of America customer service charges and telephone fees and non disclosures and discrimination in lending hold fees \n","text":"Company chooses not to provide a public response","context":": Bank of America customer service charges and telephone fees and non disclosures and discrimination in lending hold fees \n : Company chooses not to provide a public response"},{"Question":"Back in XXXX 2015 I submitted dispute to the credit reporting agency, however have had no luck, or received any information on why my dispute was not deleted from my report. i feel like they are ignoring my letter. \n","text":"Company chooses not to provide a public response","context":": Back in XXXX 2015 I submitted dispute to the credit reporting agency, however have had no luck, or received any information on why my dispute was not deleted from my report. i feel like they are ignoring my letter. \n : Company chooses not to provide a public response"},{"Question":"receivables performance management LLC. IS CALLING ME DAY AND NIGHT AT HOME AND JOB.A BOUT A ACT I DONT NO NOTING ABOUT MAKEING THREAT THAT THEY ARE GOING TO SEND COP TO MY HOME AND JOB. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": receivables performance management LLC. IS CALLING ME DAY AND NIGHT AT HOME AND JOB.A BOUT A ACT I DONT NO NOTING ABOUT MAKEING THREAT THAT THEY ARE GOING TO SEND COP TO MY HOME AND JOB. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I keep getting getting telephone calls from this company asking for XXXX XXXX on my mobile phone. I have stated to the representatives I have talked to that they have the wrong telephone number. But, they keep calling my number time and time again. This has gone on for four months now. \n","text":"Company chooses not to provide a public response","context":": I keep getting getting telephone calls from this company asking for XXXX XXXX on my mobile phone. I have stated to the representatives I have talked to that they have the wrong telephone number. But, they keep calling my number time and time again. This has gone on for four months now. \n : Company chooses not to provide a public response"},{"Question":"They are calling my employer sailing they are XXXX telling my employer false statements ruining my name \n","text":"Company believes the complaint is the result of a misunderstanding","context":": They are calling my employer sailing they are XXXX telling my employer false statements ruining my name \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Debt collector presented bill from creditor that I have never had and bill included XXXX in interest have requested validation \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Debt collector presented bill from creditor that I have never had and bill included XXXX in interest have requested validation \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I can not access my anual report it says I am not me \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I can not access my anual report it says I am not me \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"With a balance of approximately {$42.00}, I attempted to make a gasoline purchase at the pump. When I entered my zip code, the sale was rejected. The balance on the card is now {$0.00}, and the card issuer says it can take up to 14 days to restore the balance to the card. \n","text":"Company chooses not to provide a public response","context":": With a balance of approximately {$42.00}, I attempted to make a gasoline purchase at the pump. When I entered my zip code, the sale was rejected. The balance on the card is now {$0.00}, and the card issuer says it can take up to 14 days to restore the balance to the card. \n : Company chooses not to provide a public response"},{"Question":"Repeated phone calls covering XXXX years for a person named XXXX XXXX, who apparently had my phone number previous to me. \nThe agency goes by the name of Receiver Performance Management. Their phone number is XXXX \n","text":"Company chooses not to provide a public response","context":": Repeated phone calls covering XXXX years for a person named XXXX XXXX, who apparently had my phone number previous to me. \nThe agency goes by the name of Receiver Performance Management. Their phone number is XXXX \n : Company chooses not to provide a public response"},{"Question":"Defective Goods were returned to XXXX Apparel, I have submitted documentation to XXXX XXXX, Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX proving that XXXX received and signed for the returned defective merchandiseXXXX XXXX continues to contact me regarding debt that I do not owe. \n","text":"Company chooses not to provide a public response","context":": Defective Goods were returned to XXXX Apparel, I have submitted documentation to XXXX XXXX, Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX proving that XXXX received and signed for the returned defective merchandiseXXXX XXXX continues to contact me regarding debt that I do not owe. \n : Company chooses not to provide a public response"},{"Question":"There was a total of XXXX accounts that where opened fraudulently through USAA, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. USAA refused to help me with this matter and claimed that I was responsible for the fraud. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": There was a total of XXXX accounts that where opened fraudulently through USAA, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. USAA refused to help me with this matter and claimed that I was responsible for the fraud. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Calling multiple time in a row then sending emails repeatedly \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Calling multiple time in a row then sending emails repeatedly \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Western Shamrock has a credit inquire on my XXXX credit report. I did n't receive a loan from this company. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Western Shamrock has a credit inquire on my XXXX credit report. I did n't receive a loan from this company. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My insurance company already paid the bill \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My insurance company already paid the bill \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This should n't have been placed on my credit, the consumer equipment was returned. \n","text":"Company chooses not to provide a public response","context":": This should n't have been placed on my credit, the consumer equipment was returned. \n : Company chooses not to provide a public response"},{"Question":"I have disputed this debt and asked for verification of my responsibility for the account but never received it. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have disputed this debt and asked for verification of my responsibility for the account but never received it. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am a former student of XXXX and was forced to take out student loans through XXXX XXXX. I recently reviewed a new article alarming students to contact you and file a complaint if they became a victim. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I am a former student of XXXX and was forced to take out student loans through XXXX XXXX. I recently reviewed a new article alarming students to contact you and file a complaint if they became a victim. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I have been in dispute with XXXX XXXX XXXX which is a timeshare since XXXX. I pulled my credit and Concord Services has marked my credit that I am in collections but never gave me written notice of this. I should not be in collections because this is a disputed contract. \n","text":"Company chooses not to provide a public response","context":": I have been in dispute with XXXX XXXX XXXX which is a timeshare since XXXX. I pulled my credit and Concord Services has marked my credit that I am in collections but never gave me written notice of this. I should not be in collections because this is a disputed contract. \n : Company chooses not to provide a public response"},{"Question":"I do not have a debt. This company calls continuously and hangs up on me. I WILL NOT pay any money for a debt that is not mine. Stop calling ; cease and desist. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I do not have a debt. This company calls continuously and hangs up on me. I WILL NOT pay any money for a debt that is not mine. Stop calling ; cease and desist. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Loan were charge off, went to collection ... had settle in full with collection but original collector continue to report after settlement. ITs not accurate report, please remove\/delete loan from credit bureaus. \n","text":"Company chooses not to provide a public response","context":": Loan were charge off, went to collection ... had settle in full with collection but original collector continue to report after settlement. ITs not accurate report, please remove\/delete loan from credit bureaus. \n : Company chooses not to provide a public response"},{"Question":"Refused to accept my insurance claim. Refused to allow for payments. Continues to call outside of XXXX-XXXX business hours. Has kept multiple paid accounts on credit report stating they would not remove until paid account. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Refused to accept my insurance claim. Refused to allow for payments. Continues to call outside of XXXX-XXXX business hours. Has kept multiple paid accounts on credit report stating they would not remove until paid account. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have sent XXXX a request to investigate some accounts from my credit file and they are not responding. \n","text":"Company chooses not to provide a public response","context":": I have sent XXXX a request to investigate some accounts from my credit file and they are not responding. \n : Company chooses not to provide a public response"},{"Question":"Advertised with : NO FOREIGN TRANSACTION FEES XXXX On XXXX we were charged {$50.00} foreign transaction fee. \n\nThe card is advertised with no foreign transaction fee. Card ending in XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Advertised with : NO FOREIGN TRANSACTION FEES XXXX On XXXX we were charged {$50.00} foreign transaction fee. \n\nThe card is advertised with no foreign transaction fee. Card ending in XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX XXXX does not honor their over draft policy and bank of America co horsed and did n't give me my overdraft services like my banking contact says. Then they give me a low daily limit so i cant get all my money at once. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX does not honor their over draft policy and bank of America co horsed and did n't give me my overdraft services like my banking contact says. Then they give me a low daily limit so i cant get all my money at once. \n : Company chooses not to provide a public response"},{"Question":"Vision Financial keeps calling me from different XXXX Oregon phone numbers and the last one came on XXXX\/XXXX\/16 and left a message on my cell phone saying to call the company in regards to a debt. Did not say what for or even an account number. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Vision Financial keeps calling me from different XXXX Oregon phone numbers and the last one came on XXXX\/XXXX\/16 and left a message on my cell phone saying to call the company in regards to a debt. Did not say what for or even an account number. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Can not get Wells Fargo to issue a title so I can register this truck. I purchased the truck in XXXX 2015. The truck is parked because I can not register or insure it and therefore I can not drive it. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Can not get Wells Fargo to issue a title so I can register this truck. I purchased the truck in XXXX 2015. The truck is parked because I can not register or insure it and therefore I can not drive it. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Please see the attached detailed narrative in RESPA complaint filed with the mortgage servicer \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Please see the attached detailed narrative in RESPA complaint filed with the mortgage servicer \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I currently just moved and I have been trying to set up account Like credit and I finally looked up my credit and it says that I 'm a victim of identity theft but that is incorrect please contact me \n","text":"Company chooses not to provide a public response","context":": I currently just moved and I have been trying to set up account Like credit and I finally looked up my credit and it says that I 'm a victim of identity theft but that is incorrect please contact me \n : Company chooses not to provide a public response"},{"Question":"They are reporting old debt as new accounts \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": They are reporting old debt as new accounts \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My credit score was increasing normally until XX\/XX\/XXXX with no hard inquiries made to it. When I verified it on XX\/XX\/XXXX, my scored hay decreased by XXXX with no statement or explanation reflecting the root cause of the reduction. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": My credit score was increasing normally until XX\/XX\/XXXX with no hard inquiries made to it. When I verified it on XX\/XX\/XXXX, my scored hay decreased by XXXX with no statement or explanation reflecting the root cause of the reduction. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"The address of : XXXX XXXX XXXX, TN XXXX is incorrect. I have never lived in TN. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The address of : XXXX XXXX XXXX, TN XXXX is incorrect. I have never lived in TN. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I was sued and paid the judgment. A new lawfirm file took over the judgment and garnished my wages. I have comunicated with them to stop the collection efforts to no avail. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I was sued and paid the judgment. A new lawfirm file took over the judgment and garnished my wages. I have comunicated with them to stop the collection efforts to no avail. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"someone has used my personal information to open up this account that is not mine ... my information has been stolen and this was opened fraudulently i have filed a report with the police department regarding this matter. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": someone has used my personal information to open up this account that is not mine ... my information has been stolen and this was opened fraudulently i have filed a report with the police department regarding this matter. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"There are accounts in my credit file that do not belong to me and Trans Union is n't responding to my requests to investigate and remove them from my credit file. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": There are accounts in my credit file that do not belong to me and Trans Union is n't responding to my requests to investigate and remove them from my credit file. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Ally Bank does not know how regulates them. I wanted to submit a complaint and they do not have a clue. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Ally Bank does not know how regulates them. I wanted to submit a complaint and they do not have a clue. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Please remove from my credit report. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Please remove from my credit report. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Transunion has not responded to any of my documentation and disputes XXXX to old files medical collections that are not mine \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Transunion has not responded to any of my documentation and disputes XXXX to old files medical collections that are not mine \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Prime Acceptance call all day repeatedly from different numbers. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Prime Acceptance call all day repeatedly from different numbers. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Continental Finance\/XXXX is still reporting a negative item on my XXXX Credit report from XXXX of 2007. They are violating the stature of limitations to continue to report the negative iteam on my credit report and violating FCRA. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Continental Finance\/XXXX is still reporting a negative item on my XXXX Credit report from XXXX of 2007. They are violating the stature of limitations to continue to report the negative iteam on my credit report and violating FCRA. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I continually experienced additional fraud to my name and social in spite of the efforts made to prevent it. The following additional accounts are a result of my identity being stolen and need to be documented and removed from my credit report. \n\n\n\nXXXX \n","text":"Company chooses not to provide a public response","context":": I continually experienced additional fraud to my name and social in spite of the efforts made to prevent it. The following additional accounts are a result of my identity being stolen and need to be documented and removed from my credit report. \n\n\n\nXXXX \n : Company chooses not to provide a public response"},{"Question":"Experian has fail to delete wrong information on my report. \n","text":"Company chooses not to provide a public response","context":": Experian has fail to delete wrong information on my report. \n : Company chooses not to provide a public response"},{"Question":"Need to verify debt or have removed from credit report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Need to verify debt or have removed from credit report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They keep calling me although they have the wrong name. I told them in so many words but they still call. \n","text":"Company chooses not to provide a public response","context":": They keep calling me although they have the wrong name. I told them in so many words but they still call. \n : Company chooses not to provide a public response"},{"Question":"I HAVE SENT XXXX DIFFERENT LETTERS MONTHS APART ASKING THIS COMPANY TO STOP HARASSING ME ABOUT SOME ACCOUNT THAT IS NOT MINE. THEY HAVE CONTINUED TO DO SO. \n","text":"Company chooses not to provide a public response","context":": I HAVE SENT XXXX DIFFERENT LETTERS MONTHS APART ASKING THIS COMPANY TO STOP HARASSING ME ABOUT SOME ACCOUNT THAT IS NOT MINE. THEY HAVE CONTINUED TO DO SO. \n : Company chooses not to provide a public response"},{"Question":"I short saled my house last year located in XXXX, Florida.However, the reporting agency listed the short sale as a foreclosure. I attached the HUD statement and the deficiency letter issued to me by the bank as proof. \n","text":"Company chooses not to provide a public response","context":": I short saled my house last year located in XXXX, Florida.However, the reporting agency listed the short sale as a foreclosure. I attached the HUD statement and the deficiency letter issued to me by the bank as proof. \n : Company chooses not to provide a public response"},{"Question":"I was scammed out a get money quick theme. He needed money sent to him through XXXX took nothing from me but the check was fraud and now I owe XXXX I have the number for the person he wo n't answer I called XXXX but I want my money back now. This is stressful \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was scammed out a get money quick theme. He needed money sent to him through XXXX took nothing from me but the check was fraud and now I owe XXXX I have the number for the person he wo n't answer I called XXXX but I want my money back now. This is stressful \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The company called me asking me if I knew certain names I did not. They asked was my social XXXX it did not match mine! They have placed it on my credit report and the debt is not mine! \n","text":"Company can't verify or dispute the facts in the complaint","context":": The company called me asking me if I knew certain names I did not. They asked was my social XXXX it did not match mine! They have placed it on my credit report and the debt is not mine! \n : Company can't verify or dispute the facts in the complaint"},{"Question":"A few weeks ago I tried to place a credit freeze on my credit report. Transunion refused to do as I requested. I filed a complaint with the XXXX and their response stated that I never asked for a credit freeze. I had no problem with the other XXXX agencies. \n","text":"Company chooses not to provide a public response","context":": A few weeks ago I tried to place a credit freeze on my credit report. Transunion refused to do as I requested. I filed a complaint with the XXXX and their response stated that I never asked for a credit freeze. I had no problem with the other XXXX agencies. \n : Company chooses not to provide a public response"},{"Question":"I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The banks Wells fargo and XXXX have a charge off on my credit that I do n't owe on and they refuse to verify the debt \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The banks Wells fargo and XXXX have a charge off on my credit that I do n't owe on and they refuse to verify the debt \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Contacted XXXX, my account rep at Ditch 2 days ago and never received a call back regarding a loan modification. I want to stay in my home, submitted additional documentation that should qualify me for a modification. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Contacted XXXX, my account rep at Ditch 2 days ago and never received a call back regarding a loan modification. I want to stay in my home, submitted additional documentation that should qualify me for a modification. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Wrong address listed on my Trans Union credit report. Never lived at XXXX XXXX in XXXX XXXX Michigan. \n","text":"Company chooses not to provide a public response","context":": Wrong address listed on my Trans Union credit report. Never lived at XXXX XXXX in XXXX XXXX Michigan. \n : Company chooses not to provide a public response"},{"Question":"Credit bureaus are reporting my former addresses as being ( 1 ). XXXX XXXX, XXXX, IN ( 2 ). XXXX XXXX, XXXX, IN I have lived at XXXX XXXX XXXX XXXX, XXXX, IN since 1994. and have never lived at the XXXX other addresses listed. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Credit bureaus are reporting my former addresses as being ( 1 ). XXXX XXXX, XXXX, IN ( 2 ). XXXX XXXX, XXXX, IN I have lived at XXXX XXXX XXXX XXXX, XXXX, IN since 1994. and have never lived at the XXXX other addresses listed. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"This is from XXXX that I looked their website but I did not registered as their member. They are trying to collect debt from me that I did not registered with them and did not get their dvd or service, etc. \n","text":"Company chooses not to provide a public response","context":": This is from XXXX that I looked their website but I did not registered as their member. They are trying to collect debt from me that I did not registered with them and did not get their dvd or service, etc. \n : Company chooses not to provide a public response"},{"Question":"XXXX is attempting to recover an already paid for account that I originated with XXXX. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX is attempting to recover an already paid for account that I originated with XXXX. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I receive multiple calls per day. I know that collection efforts must take place between XXXX and XXXX in the recipients time zone and calls can not be made on Sundays. They are violating all of these. \n","text":"Company chooses not to provide a public response","context":": I receive multiple calls per day. I know that collection efforts must take place between XXXX and XXXX in the recipients time zone and calls can not be made on Sundays. They are violating all of these. \n : Company chooses not to provide a public response"},{"Question":"Company contacts me several times a day at my employment. I have asked them numerous times to cease and desist all communication. No debt is owed, on the account. \n","text":"Company chooses not to provide a public response","context":": Company contacts me several times a day at my employment. I have asked them numerous times to cease and desist all communication. No debt is owed, on the account. \n : Company chooses not to provide a public response"},{"Question":"Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Trans Union is not responding to my request to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Trans Union is not responding to my request to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have been paying a debt collector since XX\/XX\/2014 {$50.00} a month for a {$1200.00} medical bill. It is been two years and I still owe them that much. After talking with them about it they have been charging me 12 % in interest per year. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have been paying a debt collector since XX\/XX\/2014 {$50.00} a month for a {$1200.00} medical bill. It is been two years and I still owe them that much. After talking with them about it they have been charging me 12 % in interest per year. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There are names on my credit that I never used or would go under my name is XXXX XXXX XXXX. \nNot XXXX XXXX XXXX XXXX XXXX something like that XXXX XXXX XXXX XXXX This is hurting me because there are things under the names that are not mine \n","text":"Company chooses not to provide a public response","context":": There are names on my credit that I never used or would go under my name is XXXX XXXX XXXX. \nNot XXXX XXXX XXXX XXXX XXXX something like that XXXX XXXX XXXX XXXX This is hurting me because there are things under the names that are not mine \n : Company chooses not to provide a public response"},{"Question":"On XXXX XXXX, 2015 I log into my online Banking and another fraud Transaction was unauthorized by Navy Federal Credit Union for {$20.00} from the XXXX I never been there and I did authorized anything to be withdrawal from my account. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": On XXXX XXXX, 2015 I log into my online Banking and another fraud Transaction was unauthorized by Navy Federal Credit Union for {$20.00} from the XXXX I never been there and I did authorized anything to be withdrawal from my account. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I specifically wrote experian to erase wrong information on my report. results show residence-deleted, telephone-deleted, employer-deleted. but all wrong personal information still shows in the last page. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I specifically wrote experian to erase wrong information on my report. results show residence-deleted, telephone-deleted, employer-deleted. but all wrong personal information still shows in the last page. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Experian is refusing to investigate, verify and remove some accounts from my credit report\/file that do not belong to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian is refusing to investigate, verify and remove some accounts from my credit report\/file that do not belong to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"This was an unauthorized charge. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This was an unauthorized charge. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The car was a voluntary repo back in 2008 and should be reported as closed and not an open collection file on my credit file, several attempts made to correct my credit file and the file should not be reported since its over 7 yrs old. \n","text":"Company can't verify or dispute the facts in the complaint","context":": The car was a voluntary repo back in 2008 and should be reported as closed and not an open collection file on my credit file, several attempts made to correct my credit file and the file should not be reported since its over 7 yrs old. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"This XXXX account reporting is past the statute of limitations please remove as requested \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": This XXXX account reporting is past the statute of limitations please remove as requested \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"we have disputed with all of them for years, under the fair credit act anything in collections gets deleted because we do not have a agreement with the collections company we have a agreement with the credit card company and they will not remove them at all \n","text":"Company chooses not to provide a public response","context":": we have disputed with all of them for years, under the fair credit act anything in collections gets deleted because we do not have a agreement with the collections company we have a agreement with the credit card company and they will not remove them at all \n : Company chooses not to provide a public response"},{"Question":"allowing companies without my permission to pull my report \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": allowing companies without my permission to pull my report \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I mistakenly took a {$650.00} loan\/payday loan which the lender describes as an installment loan on XXXX\/XXXX\/15 because I had expenses I could n't afford. I did n't realize the APR was 388.28 % nor do I have a copy of the loan disclosure. \n","text":"Company disputes the facts presented in the complaint","context":": I mistakenly took a {$650.00} loan\/payday loan which the lender describes as an installment loan on XXXX\/XXXX\/15 because I had expenses I could n't afford. I did n't realize the APR was 388.28 % nor do I have a copy of the loan disclosure. \n : Company disputes the facts presented in the complaint"},{"Question":"ALLIED INTERSTATE LLC continued to report an XXXX account that, does not belong to me, and also has repeatedly been removed from my credit report, yet, they continue to try and re-report the account. This is illegal the next step will be to bring a lawsuit. \n","text":"Company chooses not to provide a public response","context":": ALLIED INTERSTATE LLC continued to report an XXXX account that, does not belong to me, and also has repeatedly been removed from my credit report, yet, they continue to try and re-report the account. This is illegal the next step will be to bring a lawsuit. \n : Company chooses not to provide a public response"},{"Question":"XXXX continues not to update my credit file with all XXXX bureaus they state foreclosure and wrong amount owed \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX continues not to update my credit file with all XXXX bureaus they state foreclosure and wrong amount owed \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"The company, diversified adjustment has reported to the credit agency XXXX in the amount of XXXX this is a violation of the FCRA. this company has never notified me of any debt, I still have no idea who they are and why they are on my credit report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The company, diversified adjustment has reported to the credit agency XXXX in the amount of XXXX this is a violation of the FCRA. this company has never notified me of any debt, I still have no idea who they are and why they are on my credit report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I receive recorded computer calls twice per day, every day. I know about the debt and have called them to please back off. This is harassment plain & simple. \n","text":"Company chooses not to provide a public response","context":": I receive recorded computer calls twice per day, every day. I know about the debt and have called them to please back off. This is harassment plain & simple. \n : Company chooses not to provide a public response"},{"Question":"I have asked Credit Central in XXXX, Al not to call me between XXXX and XXXX while I am at work. They continue to call me at least two times a day. I could lose my job. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have asked Credit Central in XXXX, Al not to call me between XXXX and XXXX while I am at work. They continue to call me at least two times a day. I could lose my job. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am trying to retrieve my credit report. They stated they have nothing to do with retrieving it. I should contact you. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I am trying to retrieve my credit report. They stated they have nothing to do with retrieving it. I should contact you. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"There is a civil judgement on my credit file which is not mine \n","text":"Company chooses not to provide a public response","context":": There is a civil judgement on my credit file which is not mine \n : Company chooses not to provide a public response"},{"Question":"I 'm a victim of identity theft and someone opened up account in my name that im not responds for. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I 'm a victim of identity theft and someone opened up account in my name that im not responds for. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I did not have the money at the time, but do now and would like to resolve this debt \n","text":"Company disputes the facts presented in the complaint","context":": I did not have the money at the time, but do now and would like to resolve this debt \n : Company disputes the facts presented in the complaint"},{"Question":"Collection Agency CREDIT MAMAGEMENT COMPANY on behalf Original Creditor XXXX XXXX XXXX XXXX XXXX trying to collect {$250.00} which I do NOT owe. \n","text":"Company disputes the facts presented in the complaint","context":": Collection Agency CREDIT MAMAGEMENT COMPANY on behalf Original Creditor XXXX XXXX XXXX XXXX XXXX trying to collect {$250.00} which I do NOT owe. \n : Company disputes the facts presented in the complaint"},{"Question":"Trans Union is not responding to my requests to investigate and remove some accounts from my credit file that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Trans Union is not responding to my requests to investigate and remove some accounts from my credit file that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"My name in the credits report is wrong in the trans union report my correct name is XXXX XXXX and in the report say XXXX isnt XXXX its XXXX XXXX XXXX may fix the problem please because this has cause that i cant see my credit scores thanks \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My name in the credits report is wrong in the trans union report my correct name is XXXX XXXX and in the report say XXXX isnt XXXX its XXXX XXXX XXXX may fix the problem please because this has cause that i cant see my credit scores thanks \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"They have reported a debt for XXXX to the credit reporting agencies and it has ruined my credit. I do n't have XXXX nor have I ever had XXXX. It just appeared on my reports, and I want it removed immediately \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They have reported a debt for XXXX to the credit reporting agencies and it has ruined my credit. I do n't have XXXX nor have I ever had XXXX. It just appeared on my reports, and I want it removed immediately \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The federal tax lien in amount of {$110000.00} dated XXXX\/XXXX\/XXXX, need to be removed from Trans union, due to statue of limitation for 10 years from XXXX\/XXXX\/XXXX when the substitute tax return was prepared XXXX. Thank you. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The federal tax lien in amount of {$110000.00} dated XXXX\/XXXX\/XXXX, need to be removed from Trans union, due to statue of limitation for 10 years from XXXX\/XXXX\/XXXX when the substitute tax return was prepared XXXX. Thank you. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Have n't heard anything from them to make payment arragements or anything.I would like to work out something to have it taken off my credit. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Have n't heard anything from them to make payment arragements or anything.I would like to work out something to have it taken off my credit. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was having installment payments withdrawn from my banking account by the original creditor ( CITIBANK , N.A . ) concerning debt in question. \nCitibank , N.A . has unethically, unfairly, and fruadulently reported unwarranted debt information to XXXX XXXX XXXX concerning my account. \n","text":"Company chooses not to provide a public response","context":": I was having installment payments withdrawn from my banking account by the original creditor ( CITIBANK , N.A . ) concerning debt in question. \nCitibank , N.A . has unethically, unfairly, and fruadulently reported unwarranted debt information to XXXX XXXX XXXX concerning my account. \n : Company chooses not to provide a public response"},{"Question":"I keep getting calls from this number with threats of having me prosecuted and being verbally abusive. \n","text":"Company chooses not to provide a public response","context":": I keep getting calls from this number with threats of having me prosecuted and being verbally abusive. \n : Company chooses not to provide a public response"},{"Question":"Late fees since XXXX XXXX to XXXX XXXX needs to be review with lender. We believe the late fees are incorrect. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Late fees since XXXX XXXX to XXXX XXXX needs to be review with lender. We believe the late fees are incorrect. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The wrong address in XXXX of my reports I have never lived at \n","text":"Company chooses not to provide a public response","context":": The wrong address in XXXX of my reports I have never lived at \n : Company chooses not to provide a public response"},{"Question":"Calls and threatens jail time..want all calls and contact to stop. I do not owe this debt and if I don it was past the statute of limitations. They are now calling illegally. \n","text":"Company chooses not to provide a public response","context":": Calls and threatens jail time..want all calls and contact to stop. I do not owe this debt and if I don it was past the statute of limitations. They are now calling illegally. \n : Company chooses not to provide a public response"},{"Question":"I have disputed all inquiries on my credit report and Experian has failed to provide me within the time frame allowed ( 30 days per FCRA ) any updates on these inquiries that were not made by me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have disputed all inquiries on my credit report and Experian has failed to provide me within the time frame allowed ( 30 days per FCRA ) any updates on these inquiries that were not made by me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"There is an account which is past the statute of limitations, several validation request have been submitted with nothing received. Please help assist me \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": There is an account which is past the statute of limitations, several validation request have been submitted with nothing received. Please help assist me \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Trans Union is not responding to my numerous requests to investigate and remove accounts from my credit file that do not belong to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Trans Union is not responding to my numerous requests to investigate and remove accounts from my credit file that do not belong to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I am looking at my credit report and my name is not fully my legal name. I would like to update that information as soon as possible. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I am looking at my credit report and my name is not fully my legal name. I would like to update that information as soon as possible. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Wells Fargo has placed a bankruptcy on my credit report and Wells Fargo has reported I have been late on my mortgage more than 30 days which is incorrect. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo has placed a bankruptcy on my credit report and Wells Fargo has reported I have been late on my mortgage more than 30 days which is incorrect. \n : Company chooses not to provide a public response"},{"Question":"Hi Transunion has XXXX collections on my report and several has been reaged. \nXXXX open.paid XXXX XXXX open and reaged XXXX open and reaged XXXX open and reaged \n","text":"Company chooses not to provide a public response","context":": Hi Transunion has XXXX collections on my report and several has been reaged. \nXXXX open.paid XXXX XXXX open and reaged XXXX open and reaged XXXX open and reaged \n : Company chooses not to provide a public response"},{"Question":"Someone opened a cell account in my name. I disputed it with XXXX and XXXX, while XXXX deleted it because the account is not mine, XXXX did not. The name of the company is RECEIVABLES PERFORMANCEAccount Number : XXXX \n","text":"Company chooses not to provide a public response","context":": Someone opened a cell account in my name. I disputed it with XXXX and XXXX, while XXXX deleted it because the account is not mine, XXXX did not. The name of the company is RECEIVABLES PERFORMANCEAccount Number : XXXX \n : Company chooses not to provide a public response"},{"Question":"XXXX is reporting a collection on a debt that is not mine I have been fighting them thru CFPB with no solution yet they have failed to validate debt with FDCPA guidelines and this is now on my credit report \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX is reporting a collection on a debt that is not mine I have been fighting them thru CFPB with no solution yet they have failed to validate debt with FDCPA guidelines and this is now on my credit report \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"In XXXX 2015, I asked Citi credit cards to review my XXXX XXXX account in accordance with the Servicemember Civil Relief Act. I was told that this credit card account was not subject to SCRA. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": In XXXX 2015, I asked Citi credit cards to review my XXXX XXXX account in accordance with the Servicemember Civil Relief Act. I was told that this credit card account was not subject to SCRA. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Company has not provided me with billing statement and description of services. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Company has not provided me with billing statement and description of services. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX has a judgement shown on my report but it states that the balance is zero. Have contacted them and I am unable to get any information from any XXXX about this account or its status. \n","text":"Company chooses not to provide a public response","context":": XXXX has a judgement shown on my report but it states that the balance is zero. Have contacted them and I am unable to get any information from any XXXX about this account or its status. \n : Company chooses not to provide a public response"},{"Question":"This collection agency place a collections on my credit reports that do not belong to me. They tried this last year too. \nGOLD KEY CREDIT INC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This collection agency place a collections on my credit reports that do not belong to me. They tried this last year too. \nGOLD KEY CREDIT INC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My sister in law used my husband as a \" reference '' on a loan. Most likely XXXX. The collection agency had calld us threatening to sue and uses aggressive language if we do n't get her to pay this loan. \n","text":"Company disputes the facts presented in the complaint","context":": My sister in law used my husband as a \" reference '' on a loan. Most likely XXXX. The collection agency had calld us threatening to sue and uses aggressive language if we do n't get her to pay this loan. \n : Company disputes the facts presented in the complaint"},{"Question":"I have submitted dispute in past for some inquires and incorrect information. Please see the attached letter with details on of specific inquires and credit buereas. Please remove unauthorized inquires. Thank you so kindly in advanced. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have submitted dispute in past for some inquires and incorrect information. Please see the attached letter with details on of specific inquires and credit buereas. Please remove unauthorized inquires. Thank you so kindly in advanced. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I was denied credit so I pulled my credit report. I found a collection account had been placed on my credit report that I have no knowledge of. I was never notified before it was placed into collections. This is a violation of the Fair Credit Reporting Act. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was denied credit so I pulled my credit report. I found a collection account had been placed on my credit report that I have no knowledge of. I was never notified before it was placed into collections. This is a violation of the Fair Credit Reporting Act. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX did a hard-pull of my credit report with Experian without my express consent. I want this report to be removed from my credit history. \n","text":"Company chooses not to provide a public response","context":": XXXX did a hard-pull of my credit report with Experian without my express consent. I want this report to be removed from my credit history. \n : Company chooses not to provide a public response"},{"Question":"My credit was ran with someones elses social. with my demographics. they have access to my report. the company attempting to collect money from me sent the proof of the application and the credit report from transunion. \n","text":"Company chooses not to provide a public response","context":": My credit was ran with someones elses social. with my demographics. they have access to my report. the company attempting to collect money from me sent the proof of the application and the credit report from transunion. \n : Company chooses not to provide a public response"},{"Question":"Account information was due to be removed from public record XXXX 2016 and is still on record. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Account information was due to be removed from public record XXXX 2016 and is still on record. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Attempted to collect wrong amount. I never had the services for the above said amount {$340.00} from XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me Because of this my credit score has been drastically gone down. Please help me asap. \n","text":"Company chooses not to provide a public response","context":": Attempted to collect wrong amount. I never had the services for the above said amount {$340.00} from XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me Because of this my credit score has been drastically gone down. Please help me asap. \n : Company chooses not to provide a public response"},{"Question":"Caller continueso to call at least 3 to 4 times a week asking for personal information. Claiming they represent XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Caller continueso to call at least 3 to 4 times a week asking for personal information. Claiming they represent XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have asked my car lender to work with me so I would not fall behind on my payments or lose my car during this time while I am on unemployment but they are refusing to provide any type of assistance regardless of my consistent payment history. \n","text":"Company chooses not to provide a public response","context":": I have asked my car lender to work with me so I would not fall behind on my payments or lose my car during this time while I am on unemployment but they are refusing to provide any type of assistance regardless of my consistent payment history. \n : Company chooses not to provide a public response"},{"Question":"Bank of America is reporting a charge off for a credit card I have never had \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Bank of America is reporting a charge off for a credit card I have never had \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I was informed today by my credit card co., Barclaycard, that there may have been a breach of my info, and that I was being issued a new card as a result. I telephoned 3 different offices of that bank to determine where the breach occurred. No one was able to answer that question. \n","text":"Company chooses not to provide a public response","context":": I was informed today by my credit card co., Barclaycard, that there may have been a breach of my info, and that I was being issued a new card as a result. I telephoned 3 different offices of that bank to determine where the breach occurred. No one was able to answer that question. \n : Company chooses not to provide a public response"},{"Question":"I was in middle of buying a home and the title company found a judgement against me that was n't on my credit. \n","text":"Company chooses not to provide a public response","context":": I was in middle of buying a home and the title company found a judgement against me that was n't on my credit. \n : Company chooses not to provide a public response"},{"Question":"I submitted the dismissal with prejudice letter to all XXXX bureaus, and was told that XXXX XXXX XXXX still could legally report even though I am not liable for the debt. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I submitted the dismissal with prejudice letter to all XXXX bureaus, and was told that XXXX XXXX XXXX still could legally report even though I am not liable for the debt. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"i reported this account as fraud to continental finance back on XXXX 2015 as fraud and they sold this fraud account to united debt holding and this account shows on my credit reporting file as charged off and it should not, i have disputed this numerous times as fraud \n","text":"Company chooses not to provide a public response","context":": i reported this account as fraud to continental finance back on XXXX 2015 as fraud and they sold this fraud account to united debt holding and this account shows on my credit reporting file as charged off and it should not, i have disputed this numerous times as fraud \n : Company chooses not to provide a public response"},{"Question":"transunion is reporting a judgement on my account from NJ Superior court XXXX this judgement has been vacated.XXXX pLease remove this judgement asap. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": transunion is reporting a judgement on my account from NJ Superior court XXXX this judgement has been vacated.XXXX pLease remove this judgement asap. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Male from collection agency came to my mothers home and issued her paper work regarding my debt.. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Male from collection agency came to my mothers home and issued her paper work regarding my debt.. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I went to a car dealership and authorized a soft inquiry on my credit. I know it was supposed to be a soft inquiry because the salesman said that is all it would be. Two days later I find out there are XXXX hard inquiries that I never authorized. \n","text":"Company chooses not to provide a public response","context":": I went to a car dealership and authorized a soft inquiry on my credit. I know it was supposed to be a soft inquiry because the salesman said that is all it would be. Two days later I find out there are XXXX hard inquiries that I never authorized. \n : Company chooses not to provide a public response"},{"Question":"I disputed an item from my credit report. I included all documents ( Lease agreement, rent stubs ( XXXX XXXX XXXX ), 30-Day Notice to Vacate, Collection letter ), and it still shows that I owe a debt. I have included the Credit report as well \n","text":"Company chooses not to provide a public response","context":": I disputed an item from my credit report. I included all documents ( Lease agreement, rent stubs ( XXXX XXXX XXXX ), 30-Day Notice to Vacate, Collection letter ), and it still shows that I owe a debt. I have included the Credit report as well \n : Company chooses not to provide a public response"},{"Question":"I received a letter claiming I owe money, but according to the original company I do not. I believe this is a scam. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received a letter claiming I owe money, but according to the original company I do not. I believe this is a scam. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Fraudulent charge on account, was reported, not removed, and billing continued, along with interest rate. We have repeatedly requested the charge be removed and the account closed. The owner of the account is in XXXX \n","text":"Company chooses not to provide a public response","context":": Fraudulent charge on account, was reported, not removed, and billing continued, along with interest rate. We have repeatedly requested the charge be removed and the account closed. The owner of the account is in XXXX \n : Company chooses not to provide a public response"},{"Question":"Claiming a higher value than was verbally given by the apartment management. As well as a debt that I have never seen or been informed that was to be paid. They continue to harsh and call without sending any follow up documentation. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Claiming a higher value than was verbally given by the apartment management. As well as a debt that I have never seen or been informed that was to be paid. They continue to harsh and call without sending any follow up documentation. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX attorney for XXXX TRUSTEE. Refuse to release all funds in escrow and INSURENCE funds. XXXX XXXX TRUSTEE V XXXX XXXX INDEX XXXX is disposed. XXXX XXXX still refuse to release my funds \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX attorney for XXXX TRUSTEE. Refuse to release all funds in escrow and INSURENCE funds. XXXX XXXX TRUSTEE V XXXX XXXX INDEX XXXX is disposed. XXXX XXXX still refuse to release my funds \n : Company chooses not to provide a public response"},{"Question":"Hello. I have couple loans that it is hard to pay right now. I have financial difficulty and I am having trouble paying other my bills too. I just need some solutions, please. I am really looking forward to hearing from you soon. Thank you. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Hello. I have couple loans that it is hard to pay right now. I have financial difficulty and I am having trouble paying other my bills too. I just need some solutions, please. I am really looking forward to hearing from you soon. Thank you. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I filed a bankruptcy in XXXX but it was dismissed because I did n't go through with it. It was suppose to be removed in XXXX 7 years but it was suppose to be removed because the debt I still had to pay. But it is still showing \n","text":"Company chooses not to provide a public response","context":": I filed a bankruptcy in XXXX but it was dismissed because I did n't go through with it. It was suppose to be removed in XXXX 7 years but it was suppose to be removed because the debt I still had to pay. But it is still showing \n : Company chooses not to provide a public response"},{"Question":"I never took out a loan for Cash Net Usa and they began taking money out of my account. I never applied for one at Cash Net. Ever. I read the reviews and I can see others have had this happen. \n","text":"Company disputes the facts presented in the complaint","context":": I never took out a loan for Cash Net Usa and they began taking money out of my account. I never applied for one at Cash Net. Ever. I read the reviews and I can see others have had this happen. \n : Company disputes the facts presented in the complaint"},{"Question":"Have tried several times to get my credit report to dispute inaccurate information but company refuses to provide online access. \n","text":"Company chooses not to provide a public response","context":": Have tried several times to get my credit report to dispute inaccurate information but company refuses to provide online access. \n : Company chooses not to provide a public response"},{"Question":"Bank is reordering transactions to cause overdrafts and not processing deposits before withdraws. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Bank is reordering transactions to cause overdrafts and not processing deposits before withdraws. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I do not agree with the XXXX. Review the attached documents very carefully please. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I do not agree with the XXXX. Review the attached documents very carefully please. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I overpaid the FHA MIP, and I am having a hard time getting the amount of money I overpaid refunded to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I overpaid the FHA MIP, and I am having a hard time getting the amount of money I overpaid refunded to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have been attempting to get a loan modification and I have been unsuccessful with my mortgage company. They refuse to assist me with a modification. \n","text":"Company chooses not to provide a public response","context":": I have been attempting to get a loan modification and I have been unsuccessful with my mortgage company. They refuse to assist me with a modification. \n : Company chooses not to provide a public response"},{"Question":"My name is XXXX XXXX. \n\nThere is a person I am not AWARE of on my account, XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": My name is XXXX XXXX. \n\nThere is a person I am not AWARE of on my account, XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"I have sent Experian a request to investigate some accounts in my credit report and they have not responded. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have sent Experian a request to investigate some accounts in my credit report and they have not responded. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I 'm a victim of identity theft someone took my information and opened up lots of accounts in my name right now I have XXXX accounts in collection that does not belong to me XXXX is XXXX and XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I 'm a victim of identity theft someone took my information and opened up lots of accounts in my name right now I have XXXX accounts in collection that does not belong to me XXXX is XXXX and XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX is claiming owner ship of my morgage. \nmy morgage in the XXXX district court is owned by XXXX XXXX. \nEven though I have never received a transfer notice as required by law frim XXXX XXXX. \nplease find with this complaint copies from the XXXX district court snt to me by XXXX \n","text":"Company chooses not to provide a public response","context":": XXXX is claiming owner ship of my morgage. \nmy morgage in the XXXX district court is owned by XXXX XXXX. \nEven though I have never received a transfer notice as required by law frim XXXX XXXX. \nplease find with this complaint copies from the XXXX district court snt to me by XXXX \n : Company chooses not to provide a public response"},{"Question":"I receive calls from Focus Receivables Management on a daily basis attempting to collect a debt that is owed by another person, one I have never had a relationship with. The automated message asks me to call at XXXX. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I receive calls from Focus Receivables Management on a daily basis attempting to collect a debt that is owed by another person, one I have never had a relationship with. The automated message asks me to call at XXXX. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"There is a credit inquiry from XXXX XXXX that was processed and affected my credit. The inquiry was for prescreening only and would not impact my score. I never authorized any inquiry that would impact my credit score. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": There is a credit inquiry from XXXX XXXX that was processed and affected my credit. The inquiry was for prescreening only and would not impact my score. I never authorized any inquiry that would impact my credit score. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Number calls me multiple times a day \n","text":"Company can't verify or dispute the facts in the complaint","context":": Number calls me multiple times a day \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I have already filed a complaint concerning XXXX XXXX placing a dunn on my credit scores. Now I am being contacted by XXXX XXXX XXXX, XXXX by phone & Nartey Law Group LLC is threatening a law suit. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have already filed a complaint concerning XXXX XXXX placing a dunn on my credit scores. Now I am being contacted by XXXX XXXX XXXX, XXXX by phone & Nartey Law Group LLC is threatening a law suit. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"i have received several threatening calls from this # telling me im facing fraud charges and i have nothing in my credit report with this information. ive asked for documents proving they are a legit company and i get threatened with a court summons \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i have received several threatening calls from this # telling me im facing fraud charges and i have nothing in my credit report with this information. ive asked for documents proving they are a legit company and i get threatened with a court summons \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was trying to get a lowered rate and payment : My lender will not modify my mortgage and calculated my income incorrectly. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I was trying to get a lowered rate and payment : My lender will not modify my mortgage and calculated my income incorrectly. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Incorrect information of inquiry by XXXX XXXX XXXX\/XXXX\/2015 and XXXX XXXX XXXX\/XXXX\/2015. \nThey said they would not make a credit check on us. They said they would do a soft credit check that would not appear on our credit record. \n","text":"Company chooses not to provide a public response","context":": Incorrect information of inquiry by XXXX XXXX XXXX\/XXXX\/2015 and XXXX XXXX XXXX\/XXXX\/2015. \nThey said they would not make a credit check on us. They said they would do a soft credit check that would not appear on our credit record. \n : Company chooses not to provide a public response"},{"Question":"I could not get my report online from XXXX and Experian \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I could not get my report online from XXXX and Experian \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX\/XX\/XXXX XXXX HAS AGREED TO REMOVE INQUIRY FROM MY REPORT. \nDELETE XXXX INQUIREY FROM MY REPORT DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX\/XX\/XXXX XXXX HAS AGREED TO REMOVE INQUIRY FROM MY REPORT. \nDELETE XXXX INQUIREY FROM MY REPORT DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Us Bank Home Mortgage did not pay the real estate taxes due on XXXX\/XXXX\/16. Today is XXXX\/XXXX\/16. Therefore we still do not have the XXXX to file on our taxes. I am not sure if this affects our credit. \n","text":"Company chooses not to provide a public response","context":": Us Bank Home Mortgage did not pay the real estate taxes due on XXXX\/XXXX\/16. Today is XXXX\/XXXX\/16. Therefore we still do not have the XXXX to file on our taxes. I am not sure if this affects our credit. \n : Company chooses not to provide a public response"},{"Question":"US Bank XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX they said i ought XXXX i never had that bank and even that money they stole my identity \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": US Bank XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX they said i ought XXXX i never had that bank and even that money they stole my identity \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Incorrect information was listed on my report, resulting in the rejection of lease application. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Incorrect information was listed on my report, resulting in the rejection of lease application. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Ditech mortgage will not update my account and I can not make my payment. If I do, they will not apply the money to my account, but will instead hold it in a separate account. I contact them every month through my account and they have never responded. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Ditech mortgage will not update my account and I can not make my payment. If I do, they will not apply the money to my account, but will instead hold it in a separate account. I contact them every month through my account and they have never responded. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Inquiries not authorized are on my file and trans union says it is a matter of public record that ca n't be disputed \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Inquiries not authorized are on my file and trans union says it is a matter of public record that ca n't be disputed \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"A short sale request has been placed with US Bank - and they have not made a response in over 30 days \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": A short sale request has been placed with US Bank - and they have not made a response in over 30 days \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Usaa. Debt collection tactics with XXXX \n","text":"Company can't verify or dispute the facts in the complaint","context":": Usaa. Debt collection tactics with XXXX \n : Company can't verify or dispute the facts in the complaint"},{"Question":"4 or 5 phone calls a day with no one on the other end of the line \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": 4 or 5 phone calls a day with no one on the other end of the line \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I was a co signer to XXXX a friend XXXX i she stop making payment and i can find her now it on my credit im looking at the term and amount it inncorrected and on my credit \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was a co signer to XXXX a friend XXXX i she stop making payment and i can find her now it on my credit im looking at the term and amount it inncorrected and on my credit \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Personal info stolen fro XXXX. \nAttempts to get credit cards from companies that I already have an account, caused hard hits on my credit report. \n","text":"Company chooses not to provide a public response","context":": Personal info stolen fro XXXX. \nAttempts to get credit cards from companies that I already have an account, caused hard hits on my credit report. \n : Company chooses not to provide a public response"},{"Question":"I would like the credit reporting companies to update their reports. I have been paying this debt for quite some time and it is now satisfied. I would like it removed from the reports. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I would like the credit reporting companies to update their reports. I have been paying this debt for quite some time and it is now satisfied. I would like it removed from the reports. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have tried but they will not provide me with my report. Also there information about me is wrong and out dated. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have tried but they will not provide me with my report. Also there information about me is wrong and out dated. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"There was an update on an address that was just updated and its not mine I want it removed and investigated \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": There was an update on an address that was just updated and its not mine I want it removed and investigated \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"XXXX XXXX NO MISSED payments\/ NO BALANCE cancelled due to loss\/ stolen XXXX reported XXXX XXXX XXXX 11 years ago. \ncan not reach anyone regarding account. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX NO MISSED payments\/ NO BALANCE cancelled due to loss\/ stolen XXXX reported XXXX XXXX XXXX 11 years ago. \ncan not reach anyone regarding account. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"the person who would not identify them self threatened to have me arrested if I did n't pay them the inflated amount they demanded. I asked for a breakdown on how the charges came about and he said that is n't his job, his job is to put me in jail or collect money. \n","text":"Company chooses not to provide a public response","context":": the person who would not identify them self threatened to have me arrested if I did n't pay them the inflated amount they demanded. I asked for a breakdown on how the charges came about and he said that is n't his job, his job is to put me in jail or collect money. \n : Company chooses not to provide a public response"},{"Question":"Dear XXXX. \nI offer them a XXXX payment on the account to have the account paid, and have my credit card report clear. \n\nThanks for your time and attention XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": Dear XXXX. \nI offer them a XXXX payment on the account to have the account paid, and have my credit card report clear. \n\nThanks for your time and attention XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Credit is too old .should be removed from my credit after 7-10 years and it has been past that \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Credit is too old .should be removed from my credit after 7-10 years and it has been past that \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Company is calling my work multiple times a day after being asked not to. Have shown up at my work, causing disciplinary action at my job. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Company is calling my work multiple times a day after being asked not to. Have shown up at my work, causing disciplinary action at my job. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"THIS COMPANY IS WRONGFULLY MESSING UP MY CREDIT I WANT IT DELETED IT IS OVER 7 YRS OLD STATUE OF LIMITATATIONS HAS EXCEEDED PLS REVIEW AND DELETE IT OFF OF MY CREDIT REPORT WITH YOUR COMPANY IT IS ALREADY OFF OF XXXX AND XXXX THANK YOU \n","text":"Company chooses not to provide a public response","context":": THIS COMPANY IS WRONGFULLY MESSING UP MY CREDIT I WANT IT DELETED IT IS OVER 7 YRS OLD STATUE OF LIMITATATIONS HAS EXCEEDED PLS REVIEW AND DELETE IT OFF OF MY CREDIT REPORT WITH YOUR COMPANY IT IS ALREADY OFF OF XXXX AND XXXX THANK YOU \n : Company chooses not to provide a public response"},{"Question":"This company was contacted by me with an attempt to pay this debt, however upon further review this account is not mine. I have been a victim of identity theft. this item needs to be removed from my credit at once. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": This company was contacted by me with an attempt to pay this debt, however upon further review this account is not mine. I have been a victim of identity theft. this item needs to be removed from my credit at once. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I received XXXX Citi pre-paid debit cards for switching to XXXX wireless. Each pre-paid debit card is worth {$200.00}. The cards had a very short 6 month expiration date. The cards are now expired and when i called Citi they stated that the cards are expired and that I am out of luck. \n","text":"Company chooses not to provide a public response","context":": I received XXXX Citi pre-paid debit cards for switching to XXXX wireless. Each pre-paid debit card is worth {$200.00}. The cards had a very short 6 month expiration date. The cards are now expired and when i called Citi they stated that the cards are expired and that I am out of luck. \n : Company chooses not to provide a public response"},{"Question":"This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I 've checked credit report and noticed I few things I was n't aware of I 've tried to dispute the items but there still there \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I 've checked credit report and noticed I few things I was n't aware of I 've tried to dispute the items but there still there \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"experian reporting a judgement on my credit report this judgement was vacated please remove this asap. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": experian reporting a judgement on my credit report this judgement was vacated please remove this asap. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Gatestone Collection agency called my friend and my adult daughter and disclosed they were calling to collect a debt from me. They told them to have me contact them at XXXX ext XXXX about my debt. \n","text":"Company chooses not to provide a public response","context":": Gatestone Collection agency called my friend and my adult daughter and disclosed they were calling to collect a debt from me. They told them to have me contact them at XXXX ext XXXX about my debt. \n : Company chooses not to provide a public response"},{"Question":"Furnished misinformation being reported by Experian credit bureau which thus has been deleted by XXXX and XXXX. \n","text":"Company chooses not to provide a public response","context":": Furnished misinformation being reported by Experian credit bureau which thus has been deleted by XXXX and XXXX. \n : Company chooses not to provide a public response"},{"Question":"Calls more than 6 times a day. I answered twice and let her know I was aware of what I owe. Please stop calling and then I hung up but they continue to call ( all day long XXXX to XXXX several times ). \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Calls more than 6 times a day. I answered twice and let her know I was aware of what I owe. Please stop calling and then I hung up but they continue to call ( all day long XXXX to XXXX several times ). \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"TRANSUNION AND XXXX REPORTING INFORMATION NOT MINE. \n","text":"Company chooses not to provide a public response","context":": TRANSUNION AND XXXX REPORTING INFORMATION NOT MINE. \n : Company chooses not to provide a public response"},{"Question":"I had a collection on my account for 7 years on all XXXX of my credit reports and when it was time for it to come off the company went and got a judgement against me. Is this even legal? \n","text":"Company chooses not to provide a public response","context":": I had a collection on my account for 7 years on all XXXX of my credit reports and when it was time for it to come off the company went and got a judgement against me. Is this even legal? \n : Company chooses not to provide a public response"},{"Question":"Trans Union is ignoring my numerous requests to investigate, verify and remove accounts from my credit file that do not belong to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Trans Union is ignoring my numerous requests to investigate, verify and remove accounts from my credit file that do not belong to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"This is a GAP VISA. I do n't owe them anything. I never opened it. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": This is a GAP VISA. I do n't owe them anything. I never opened it. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"do not know why this is on my cr report, do not know this company \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": do not know why this is on my cr report, do not know this company \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There are inquiry 's on my from all from 2014 that do n't belong to me as someone posing as me tried to obtain credit, after doing an online dispute within minutes they came back verified so there could n't have been an investigation \n","text":"Company chooses not to provide a public response","context":": There are inquiry 's on my from all from 2014 that do n't belong to me as someone posing as me tried to obtain credit, after doing an online dispute within minutes they came back verified so there could n't have been an investigation \n : Company chooses not to provide a public response"},{"Question":"I sent two Validation of Debt certified letters to Receivable Performance. They have never responded to my request. Furthermore, the conducted credit inquires without authorization bt me either in written or oral form. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I sent two Validation of Debt certified letters to Receivable Performance. They have never responded to my request. Furthermore, the conducted credit inquires without authorization bt me either in written or oral form. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"On XXXX XXXX, 2013 a debt was paid to an attorney 's office. I received notices from XXXX 3rd party collection agencies ( ditech and green tree servicing ) attempting to collect this paid debt. \n","text":"Company disputes the facts presented in the complaint","context":": On XXXX XXXX, 2013 a debt was paid to an attorney 's office. I received notices from XXXX 3rd party collection agencies ( ditech and green tree servicing ) attempting to collect this paid debt. \n : Company disputes the facts presented in the complaint"},{"Question":"NETCREDIT made false statements to cfpb. I suspect impersonation. The ID thief who had been in frenzy of insider trading with the company is at large. The ID thief might be XXXX XXXX. \n","text":"Company can't verify or dispute the facts in the complaint","context":": NETCREDIT made false statements to cfpb. I suspect impersonation. The ID thief who had been in frenzy of insider trading with the company is at large. The ID thief might be XXXX XXXX. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I only have XXXX credit card with XXXX. XXXX cards with XXXX different balances are showing up. one needs to be removed \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I only have XXXX credit card with XXXX. XXXX cards with XXXX different balances are showing up. one needs to be removed \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Experian has exceeded the time allowed by law to correct or remove a disputed item from the credit report. According to FCRA 611 ( a ) ( 1 ) ( A ). \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian has exceeded the time allowed by law to correct or remove a disputed item from the credit report. According to FCRA 611 ( a ) ( 1 ) ( A ). \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"In XXXX of 2015 I placed an offer on a short sale home. I was told that US Bank ( mortgage holder ) requires 90 days to review the request. We are now approximately 214 days out without a response from the bank. \n","text":"Company chooses not to provide a public response","context":": In XXXX of 2015 I placed an offer on a short sale home. I was told that US Bank ( mortgage holder ) requires 90 days to review the request. We are now approximately 214 days out without a response from the bank. \n : Company chooses not to provide a public response"},{"Question":"My mortgage company did not pay my property taxes on time. \n","text":"Company chooses not to provide a public response","context":": My mortgage company did not pay my property taxes on time. \n : Company chooses not to provide a public response"},{"Question":"Twice now I have disputed through Experian with supporting documentation and the receipt showing the judgement was paid and they still are reporting it as open and unpaid not satisfied. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Twice now I have disputed through Experian with supporting documentation and the receipt showing the judgement was paid and they still are reporting it as open and unpaid not satisfied. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"putting on collection a my credit report that 's not mine Talked to them on XX\/XX\/2016 say that they could n't find me in their files, I told them that they did n't have trouble finding me put on my credit report. \n","text":"Company can't verify or dispute the facts in the complaint","context":": putting on collection a my credit report that 's not mine Talked to them on XX\/XX\/2016 say that they could n't find me in their files, I told them that they did n't have trouble finding me put on my credit report. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I never had any agreement with XXXX XXXX XXXX ; I have reported this to XXXX with no resolve. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I never had any agreement with XXXX XXXX XXXX ; I have reported this to XXXX with no resolve. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I was unemployed and on Medicaid at the time. This ER center said they took Medicaid prior to my arrival. It a simple visit by a doctor, XXXX and prescription 's had written and I was on my way. I was n't there more then 45 minutes. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I was unemployed and on Medicaid at the time. This ER center said they took Medicaid prior to my arrival. It a simple visit by a doctor, XXXX and prescription 's had written and I was on my way. I was n't there more then 45 minutes. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Judgment with Reference # XXXX, reported on XXXX\/XXXX\/2012 appears on my credit reports. Base on understanding, I do n't remember being served. I am writing this complain so that this judgment can be justified and\/or removed from my credit reports. \n","text":"Company chooses not to provide a public response","context":": Judgment with Reference # XXXX, reported on XXXX\/XXXX\/2012 appears on my credit reports. Base on understanding, I do n't remember being served. I am writing this complain so that this judgment can be justified and\/or removed from my credit reports. \n : Company chooses not to provide a public response"},{"Question":"This Agency claims they investigated my dispute but yet they continue to report inaccurate balance on my report.I have contacted them on a number of occasions but they wont respond at all. \n","text":"Company chooses not to provide a public response","context":": This Agency claims they investigated my dispute but yet they continue to report inaccurate balance on my report.I have contacted them on a number of occasions but they wont respond at all. \n : Company chooses not to provide a public response"},{"Question":"My wife, employer and I have received multiple calls daily for the last week regarding a legal matter. Messages state that court papers would be filed in my County of residence. When I return calls no one will give me specific information. \n","text":"Company chooses not to provide a public response","context":": My wife, employer and I have received multiple calls daily for the last week regarding a legal matter. Messages state that court papers would be filed in my County of residence. When I return calls no one will give me specific information. \n : Company chooses not to provide a public response"},{"Question":"Experian fail to investigate dipute items on credit report. there is a payment on accounts and it saids that account has been sold. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian fail to investigate dipute items on credit report. there is a payment on accounts and it saids that account has been sold. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX Account Number : XXXX This is not my account its my son who is XXXX years old I have asked for docs did not receive any thing from them please have them remove it immediately. \nThank you \n","text":"Company chooses not to provide a public response","context":": XXXX Account Number : XXXX This is not my account its my son who is XXXX years old I have asked for docs did not receive any thing from them please have them remove it immediately. \nThank you \n : Company chooses not to provide a public response"},{"Question":"Experian reporting incorrect\/false information on my credit report relating to a XXXX XXXX account that is not mine. I have never had a XXXX account nor have I ever authorized the use of their services \n","text":"Company chooses not to provide a public response","context":": Experian reporting incorrect\/false information on my credit report relating to a XXXX XXXX account that is not mine. I have never had a XXXX account nor have I ever authorized the use of their services \n : Company chooses not to provide a public response"},{"Question":"The last date paid was in XXXX XXXX and the tradeline should have been removed in XXXX XXXX. The records on my XXXX credit report states that they last received a payment in XXXX They are saying that it will be removed in XXXX XXXX which is well over 7 years. \n","text":"Company chooses not to provide a public response","context":": The last date paid was in XXXX XXXX and the tradeline should have been removed in XXXX XXXX. The records on my XXXX credit report states that they last received a payment in XXXX They are saying that it will be removed in XXXX XXXX which is well over 7 years. \n : Company chooses not to provide a public response"},{"Question":"Telephone numbers listed as XXXX and XXXX have never been associated with me. \n","text":"Company chooses not to provide a public response","context":": Telephone numbers listed as XXXX and XXXX have never been associated with me. \n : Company chooses not to provide a public response"},{"Question":"This debt is not mine and it 's affecting my credit how can I get this resolved and removed from my credit report.. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This debt is not mine and it 's affecting my credit how can I get this resolved and removed from my credit report.. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Wells Fargo turned me down for a car loan. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Wells Fargo turned me down for a car loan. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I use to bank with US bank. And had a credit card with them. I closed it. When I feel on lost my income. Due to becoming XXXX and they will not lower my APR. \n","text":"Company chooses not to provide a public response","context":": I use to bank with US bank. And had a credit card with them. I closed it. When I feel on lost my income. Due to becoming XXXX and they will not lower my APR. \n : Company chooses not to provide a public response"},{"Question":"company has a credit card reporting on my credit reports and i didnt authorize it to be open and i have contacted this company numerous of times about my identity being stolen but they still have n't gotten this matter resolved \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": company has a credit card reporting on my credit reports and i didnt authorize it to be open and i have contacted this company numerous of times about my identity being stolen but they still have n't gotten this matter resolved \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Debt service trying to collect for XXXX Transportation Department before a law suit is filed. \nThe number they tell me to call back is XXXX and the case reference number is XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt service trying to collect for XXXX Transportation Department before a law suit is filed. \nThe number they tell me to call back is XXXX and the case reference number is XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I checked my credit score on XXXX in the information was wrong I never made any of them claims \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I checked my credit score on XXXX in the information was wrong I never made any of them claims \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"A public record still on my account,, I paid off the balance to full fill the judgement \n","text":"Company chooses not to provide a public response","context":": A public record still on my account,, I paid off the balance to full fill the judgement \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX has hired Bonded Adjustment Company a credit collection company to collect on a debt. Debt was created in XX\/XX\/2005 ( over 10 years old ). Amount is {$2800.00}. I h ave received a Demand And Notice For Hearing. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX XXXX XXXX XXXX has hired Bonded Adjustment Company a credit collection company to collect on a debt. Debt was created in XX\/XX\/2005 ( over 10 years old ). Amount is {$2800.00}. I h ave received a Demand And Notice For Hearing. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I paid off the balance but the account still showing in open\/collection status \n","text":"Company chooses not to provide a public response","context":": I paid off the balance but the account still showing in open\/collection status \n : Company chooses not to provide a public response"},{"Question":"I wrote ECMC on XXXX asking for legal validation of this debt. It has been 30 days and they have not responded. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I wrote ECMC on XXXX asking for legal validation of this debt. It has been 30 days and they have not responded. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"The amount of {$51.00} dollars was added to my credit report for collections. Incorrect information added saying the account is 2 years old. No contact with IC Systems. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The amount of {$51.00} dollars was added to my credit report for collections. Incorrect information added saying the account is 2 years old. No contact with IC Systems. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"The incorrect address of XXXX XXXX XXXX, XXXX XXXX XXXX is on mt credit report. \nI have never lived in XXXX. I have lived In XXXX all my life. The last 12 years in imperial XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": The incorrect address of XXXX XXXX XXXX, XXXX XXXX XXXX is on mt credit report. \nI have never lived in XXXX. I have lived In XXXX all my life. The last 12 years in imperial XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Did n't get score \n","text":"Company chooses not to provide a public response","context":": Did n't get score \n : Company chooses not to provide a public response"},{"Question":"I have not been contacted ... appears on my credit file \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have not been contacted ... appears on my credit file \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"consumer stated that her complaint is against Wells Fargo for not refusing to open a business account for her \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": consumer stated that her complaint is against Wells Fargo for not refusing to open a business account for her \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I disputed a number of items on my Experian credit report ( attached ) on XXXX\/XXXX\/15 and to this point, they have not reponded to my inquiry, \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I disputed a number of items on my Experian credit report ( attached ) on XXXX\/XXXX\/15 and to this point, they have not reponded to my inquiry, \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Trans Union is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me and correct XXXX account that is reporting incorrectly. \n","text":"Company chooses not to provide a public response","context":": Trans Union is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me and correct XXXX account that is reporting incorrectly. \n : Company chooses not to provide a public response"},{"Question":"Trans Union is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Trans Union is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have never been to XXXX XXXX, CA and certainly not have applied for an Apartment. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I have never been to XXXX XXXX, CA and certainly not have applied for an Apartment. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Please have lates removed from XXXX 2010 XXXX XXXX account. Account was under bankruptcy at time of reporting. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Please have lates removed from XXXX 2010 XXXX XXXX account. Account was under bankruptcy at time of reporting. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My deceased mother continue to recieve mail and correspondence From CitiMortgage , Inc in regards to an alleged Mortgage : Please se CFPB Case # XXXX XXXX, XXXX & XXXX. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My deceased mother continue to recieve mail and correspondence From CitiMortgage , Inc in regards to an alleged Mortgage : Please se CFPB Case # XXXX XXXX, XXXX & XXXX. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"they are putting my debt on my report. this is not my debt \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": they are putting my debt on my report. this is not my debt \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"cable i never had and they want me to pay for something i didnt do \n","text":"Company chooses not to provide a public response","context":": cable i never had and they want me to pay for something i didnt do \n : Company chooses not to provide a public response"},{"Question":"My bank cards was stolen I went to the bank and told them they look in my account and said that everything is crear no withdrawal or deposits was made. Later that evening the bank said I deposits fraudulent check all day in my account and deleted me as a consumer \n","text":"Company chooses not to provide a public response","context":": My bank cards was stolen I went to the bank and told them they look in my account and said that everything is crear no withdrawal or deposits was made. Later that evening the bank said I deposits fraudulent check all day in my account and deleted me as a consumer \n : Company chooses not to provide a public response"},{"Question":"Trans Union is refusing to investigate and remove some accounts from my credit file that do belong to me and correct some accounts that are reporting incorrectly. \n","text":"Company chooses not to provide a public response","context":": Trans Union is refusing to investigate and remove some accounts from my credit file that do belong to me and correct some accounts that are reporting incorrectly. \n : Company chooses not to provide a public response"},{"Question":"Dear CFPB I am trying to obtain a final modification but several banks have failed to file satisfaction of mortgages and it is having a negative impact on my ability to do so. \n\nXXXX XXXX XXXX XXXX a company acquired by XXXX in XXXX. I need a satisfaction of mortgage. \n","text":"Company chooses not to provide a public response","context":": Dear CFPB I am trying to obtain a final modification but several banks have failed to file satisfaction of mortgages and it is having a negative impact on my ability to do so. \n\nXXXX XXXX XXXX XXXX a company acquired by XXXX in XXXX. I need a satisfaction of mortgage. \n : Company chooses not to provide a public response"},{"Question":"My credit report has been pulled and a hard inquiry has been left on all XXXX credit bureaus for many companies synchrony bank has pulled my report for ( twice ) XXXX penny, XXXX, and others against my permission \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My credit report has been pulled and a hard inquiry has been left on all XXXX credit bureaus for many companies synchrony bank has pulled my report for ( twice ) XXXX penny, XXXX, and others against my permission \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I received a bill for equipment that was not given to me from XXXX XXXX. XXXX XXXX gave this bill to ERC to collect. ERC inflated the amount of the original XXXX XXXX bill by {$100.00}. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received a bill for equipment that was not given to me from XXXX XXXX. XXXX XXXX gave this bill to ERC to collect. ERC inflated the amount of the original XXXX XXXX bill by {$100.00}. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"MY ACCOUNTS ARE ALL LOCKED DOWN AND SAYING THAT I HAVE BEEN MARRIED AND ALSO HAVE A NEW HOUSE I AM RENTING OUT \n","text":"Company chooses not to provide a public response","context":": MY ACCOUNTS ARE ALL LOCKED DOWN AND SAYING THAT I HAVE BEEN MARRIED AND ALSO HAVE A NEW HOUSE I AM RENTING OUT \n : Company chooses not to provide a public response"},{"Question":"My family was called on their phones about my debt, after they had already spoken to me about it and had verified my phone number and location. Additionally they have called me numerous times, despite having already spoken to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My family was called on their phones about my debt, after they had already spoken to me about it and had verified my phone number and location. Additionally they have called me numerous times, despite having already spoken to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Our family 's information was breached through XXXX. I can not get information for my children 's credit report. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Our family 's information was breached through XXXX. I can not get information for my children 's credit report. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have already done a fraud alert I need my report so I can look over it \n","text":"Company chooses not to provide a public response","context":": I have already done a fraud alert I need my report so I can look over it \n : Company chooses not to provide a public response"},{"Question":"I just tried to use the remaining balance on my XXXX CitiBank gift card but could not as it had expired. I then went to check my balance and saw that my money had been stolen in the form of an \" Balance Expiration Fee ''. \n","text":"Company chooses not to provide a public response","context":": I just tried to use the remaining balance on my XXXX CitiBank gift card but could not as it had expired. I then went to check my balance and saw that my money had been stolen in the form of an \" Balance Expiration Fee ''. \n : Company chooses not to provide a public response"},{"Question":"XXXX account billing is incorrect, account not mine, in another state, Ohio. \n","text":"Company chooses not to provide a public response","context":": XXXX account billing is incorrect, account not mine, in another state, Ohio. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX performed an-unauthorized inquiry on my credit. The inquiry was performed as prescreening and does not impact my credit. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX performed an-unauthorized inquiry on my credit. The inquiry was performed as prescreening and does not impact my credit. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I 'm house wife and not involved husband 's business and Bank of America reported to XXXX with my husband ( complaint number # : XXXX ) \n","text":"Company chooses not to provide a public response","context":": I 'm house wife and not involved husband 's business and Bank of America reported to XXXX with my husband ( complaint number # : XXXX ) \n : Company chooses not to provide a public response"},{"Question":"Experian provided me with a response that they can not delete wrong addresses from my report because they store information provided by furnitures even though I have explain that I do not recognize such addresses. \n","text":"Company chooses not to provide a public response","context":": Experian provided me with a response that they can not delete wrong addresses from my report because they store information provided by furnitures even though I have explain that I do not recognize such addresses. \n : Company chooses not to provide a public response"},{"Question":"Bank of America has charged to my account an overdraft fee when there was no overdraft incident. Attached is my Bank of America Checking Account history. \n","text":"Company chooses not to provide a public response","context":": Bank of America has charged to my account an overdraft fee when there was no overdraft incident. Attached is my Bank of America Checking Account history. \n : Company chooses not to provide a public response"},{"Question":"I have reviewed my credit information on the XXXX XXXX and noticed XXXX address is in correct. I have never lived at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have reviewed my credit information on the XXXX XXXX and noticed XXXX address is in correct. I have never lived at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"all XXXX bureaus failed to correct XXXX reporting inaccurate and incorrect information about current payment status \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": all XXXX bureaus failed to correct XXXX reporting inaccurate and incorrect information about current payment status \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX has misreported my payment history. I have presented to Experian copies of my cancelled checks which they will not acknowledge \n","text":"Company chooses not to provide a public response","context":": XXXX has misreported my payment history. I have presented to Experian copies of my cancelled checks which they will not acknowledge \n : Company chooses not to provide a public response"},{"Question":"Received emails and I asked them to send me something in the mail and they kept on emailing as if they wanted to annoy, then started calling and I asked them again! Then they waited a week and the calls started again! It was for a XXXX XXXX account \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Received emails and I asked them to send me something in the mail and they kept on emailing as if they wanted to annoy, then started calling and I asked them again! Then they waited a week and the calls started again! It was for a XXXX XXXX account \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"For XXXX Bank - I never entered into a payment arrangement with them. They are falsifying the date of last activity in order to prolong the time this item is on my report. \n","text":"Company chooses not to provide a public response","context":": For XXXX Bank - I never entered into a payment arrangement with them. They are falsifying the date of last activity in order to prolong the time this item is on my report. \n : Company chooses not to provide a public response"},{"Question":"I have been trying to get ChexSystems to remove the fact that I am dead from their credit report ( Ref # XXXX ). I am not dead and they have not attempted to contact me or reply to my request. \n","text":"Company chooses not to provide a public response","context":": I have been trying to get ChexSystems to remove the fact that I am dead from their credit report ( Ref # XXXX ). I am not dead and they have not attempted to contact me or reply to my request. \n : Company chooses not to provide a public response"},{"Question":"I never file a BK and It was removed from XXXX but is reporting to Experian and XXXX XXXX. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I never file a BK and It was removed from XXXX but is reporting to Experian and XXXX XXXX. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"A debt collection agency disclosed the amount of my debt and who the debt was owed to to my parents. They called their number which is a landline at an address I have never lived at and disclosed the information to my mother. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": A debt collection agency disclosed the amount of my debt and who the debt was owed to to my parents. They called their number which is a landline at an address I have never lived at and disclosed the information to my mother. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My Mortgage company promised me XXXX dollars to sell my house as a short sale loan but did not receive the money. Also, all of the paperwork was not signed and completed for the sale of the house. \n","text":"Company chooses not to provide a public response","context":": My Mortgage company promised me XXXX dollars to sell my house as a short sale loan but did not receive the money. Also, all of the paperwork was not signed and completed for the sale of the house. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX is reporting the same account as XXXX. I have given Transunion ample time and documentation to prove the account is being reported in duplication. I need the accounts deleted immediately. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX is reporting the same account as XXXX. I have given Transunion ample time and documentation to prove the account is being reported in duplication. I need the accounts deleted immediately. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"There were a credit inquiry placed by XXXX XXXX of Delaware on XX\/XX\/XXXX. This should have been a \" account review inquiry \" and not a HARD INQUIRY placed on my credit report. I recently opened this account in XX\/XX\/XXXX so why would I purposely apply in less than 30 days? \n","text":"Company chooses not to provide a public response","context":": There were a credit inquiry placed by XXXX XXXX of Delaware on XX\/XX\/XXXX. This should have been a \" account review inquiry \" and not a HARD INQUIRY placed on my credit report. I recently opened this account in XX\/XX\/XXXX so why would I purposely apply in less than 30 days? \n : Company chooses not to provide a public response"},{"Question":"Payday Loan company continually calls my family, they have asked for them to stop calling them. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Payday Loan company continually calls my family, they have asked for them to stop calling them. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX College XXXX campus XXXX XXXX XXXX XXXX. \nXXXX CA XXXX I believe I have Genesis Loans which is now XXXX XXXX XXXX XXXX and would like to know if they are included in the CFPB settlement. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": XXXX College XXXX campus XXXX XXXX XXXX XXXX. \nXXXX CA XXXX I believe I have Genesis Loans which is now XXXX XXXX XXXX XXXX and would like to know if they are included in the CFPB settlement. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Called once at XXXX and again \n","text":"Company can't verify or dispute the facts in the complaint","context":": Called once at XXXX and again \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Ally Financial reported false information about me to multiple credit bureaus. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Ally Financial reported false information about me to multiple credit bureaus. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have a child support claim dating back from XX\/XX\/XXXX.I am only XXXX, I was born in XX\/XX\/XXXX. \n","text":"Company chooses not to provide a public response","context":": I have a child support claim dating back from XX\/XX\/XXXX.I am only XXXX, I was born in XX\/XX\/XXXX. \n : Company chooses not to provide a public response"},{"Question":"I have a credit card company that is garnishing me. And That account was open back in 2006. I thought it was going to fall off by now. As well and a car that was a lemon that I have put so much money into to parts I really paid for the car. \n","text":"Company chooses not to provide a public response","context":": I have a credit card company that is garnishing me. And That account was open back in 2006. I thought it was going to fall off by now. As well and a car that was a lemon that I have put so much money into to parts I really paid for the car. \n : Company chooses not to provide a public response"},{"Question":"Shellpoint mortgage is not paying my real estate taxes. If they are not going to do it, they should cancel my escrow account and I will do it. \n","text":"Company believes complaint represents an opportunity for improvement to better serve consumers","context":": Shellpoint mortgage is not paying my real estate taxes. If they are not going to do it, they should cancel my escrow account and I will do it. \n : Company believes complaint represents an opportunity for improvement to better serve consumers"},{"Question":"After dispute with credit report agency gave me no initial explanation to why I could not view my credit report online. \n","text":"Company chooses not to provide a public response","context":": After dispute with credit report agency gave me no initial explanation to why I could not view my credit report online. \n : Company chooses not to provide a public response"},{"Question":"I 'm a victim of identity theft someone took my information and opened up lots of accounts in my name right now I have XXXX accounts in collection that does not belong to me XXXX and XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I 'm a victim of identity theft someone took my information and opened up lots of accounts in my name right now I have XXXX accounts in collection that does not belong to me XXXX and XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I need to know about this charge for {$300.00} on my credit report and need to remove it. This is effecting my security clearance with XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I need to know about this charge for {$300.00} on my credit report and need to remove it. This is effecting my security clearance with XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is a pending judgement from XXXX XXXX. This is incorrect. There is no pending judgement. This account is showing under my bankruptcy with XXXX XXXX, not pending. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": There is a pending judgement from XXXX XXXX. This is incorrect. There is no pending judgement. This account is showing under my bankruptcy with XXXX XXXX, not pending. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I keep receiving calls from AR Resources about a Medical debt and shows in my credit for {$340.00}. I 'm not aware of this debt and need more information \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I keep receiving calls from AR Resources about a Medical debt and shows in my credit for {$340.00}. I 'm not aware of this debt and need more information \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I had a credit card for Sam 's Club issued by Synchrony Bank which I closed in XXXX of 2016. I had earned a cash reward of about {$170.00} which they are refusing to give it to give it to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I had a credit card for Sam 's Club issued by Synchrony Bank which I closed in XXXX of 2016. I had earned a cash reward of about {$170.00} which they are refusing to give it to give it to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX reported incorrect payment history on my account. XXXX 2013 payment was not 30 days late. need payment history verified. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX reported incorrect payment history on my account. XXXX 2013 payment was not 30 days late. need payment history verified. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I sent an Affidavit of Identity Theft to Trans Union and it was received by Trans Union on XXXX\/XXXX\/2015. After the agency received documentation, I never received an investigation status or result. Additionally, Trans Union did not respond to the request but XXXX and XXXX did. \n","text":"Company chooses not to provide a public response","context":": I sent an Affidavit of Identity Theft to Trans Union and it was received by Trans Union on XXXX\/XXXX\/2015. After the agency received documentation, I never received an investigation status or result. Additionally, Trans Union did not respond to the request but XXXX and XXXX did. \n : Company chooses not to provide a public response"},{"Question":"I have an account on my credit report that is not mine XXXX XXXX XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have an account on my credit report that is not mine XXXX XXXX XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"they call my consumer cellular phone at least twice a day, every day, sometimes in late evening. I only know it has to do with debt collecting because I checked the numbers involved. \nXXXX numbers ... same tactics. \nXXXX XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": they call my consumer cellular phone at least twice a day, every day, sometimes in late evening. I only know it has to do with debt collecting because I checked the numbers involved. \nXXXX numbers ... same tactics. \nXXXX XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"There is an XXXX account for the amount of XXXX on my credit account to an address I did not live in. I did authorize XXXX service nor should this account be on my credit report. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": There is an XXXX account for the amount of XXXX on my credit account to an address I did not live in. I did authorize XXXX service nor should this account be on my credit report. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I made a payment of XXXX to go to auto loan payment on XXXX\/XXXX\/2015. The bank set up an auto payment of XXXX to come out on XXXX\/XXXX\/2015 without my knowledge. I was overcharged within a few days apart from each other. Unacceptable. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I made a payment of XXXX to go to auto loan payment on XXXX\/XXXX\/2015. The bank set up an auto payment of XXXX to come out on XXXX\/XXXX\/2015 without my knowledge. I was overcharged within a few days apart from each other. Unacceptable. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX is debt collection they keep calling we do n't have any debts we want them to stop calling us \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX is debt collection they keep calling we do n't have any debts we want them to stop calling us \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Bloomingdale 's continues to charge $ XXXX\/month as \" minimum interest '' when I have no outstanding balance on my account. They even reduced my credit line for not paying this {$2.00} charge. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Bloomingdale 's continues to charge $ XXXX\/month as \" minimum interest '' when I have no outstanding balance on my account. They even reduced my credit line for not paying this {$2.00} charge. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"they have place a debt on my credit reports of XXXX and did not call me or speak to me. plus they did not send me any verification of this debt. contract or anything. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": they have place a debt on my credit reports of XXXX and did not call me or speak to me. plus they did not send me any verification of this debt. contract or anything. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Bank of America keep charging me huge overdraft of the services they never rendered. \nthe check was returned and they charge me XXXX dollars for it \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Bank of America keep charging me huge overdraft of the services they never rendered. \nthe check was returned and they charge me XXXX dollars for it \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My only notification of this debt was from CMRE Financial Services ( debt collector ). I never received an original bill from the doctor. I agreed to pay the principal owed under the pretense that CMRE would send me the original statement. \n","text":"Company chooses not to provide a public response","context":": My only notification of this debt was from CMRE Financial Services ( debt collector ). I never received an original bill from the doctor. I agreed to pay the principal owed under the pretense that CMRE would send me the original statement. \n : Company chooses not to provide a public response"},{"Question":"I have contacted several times to advise the debt does not belong to me \n","text":"Company disputes the facts presented in the complaint","context":": I have contacted several times to advise the debt does not belong to me \n : Company disputes the facts presented in the complaint"},{"Question":"BAC loan was signed to rescind BAC stole over {$150000.00}. \nBAC they broke a dozen Laws ( to me ) \n","text":"Company chooses not to provide a public response","context":": BAC loan was signed to rescind BAC stole over {$150000.00}. \nBAC they broke a dozen Laws ( to me ) \n : Company chooses not to provide a public response"},{"Question":"I have a fraud alert and freeze on XXXX credit reports. I will like to know if Experian is giving my personal information and using inquiries for bank and product servicest to a third party without my consent to fraud. \n","text":"Company chooses not to provide a public response","context":": I have a fraud alert and freeze on XXXX credit reports. I will like to know if Experian is giving my personal information and using inquiries for bank and product servicest to a third party without my consent to fraud. \n : Company chooses not to provide a public response"},{"Question":"There are addresses dates and phone numbers on file are not mine I have a rental agreement from 2009 till present that shows that I did not live in these places those years \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": There are addresses dates and phone numbers on file are not mine I have a rental agreement from 2009 till present that shows that I did not live in these places those years \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I would like the reported information updated and removed from the report \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I would like the reported information updated and removed from the report \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"THe debt was paid and they still have it showed as open on my credit report but with a {$0.00} balance. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": THe debt was paid and they still have it showed as open on my credit report but with a {$0.00} balance. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Experian is not responding to my requests to investigate and remove some accounts from my credit report. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian is not responding to my requests to investigate and remove some accounts from my credit report. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX XXXX This item does not belong to me, and it keeping me from getting a job. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX This item does not belong to me, and it keeping me from getting a job. \n : Company chooses not to provide a public response"},{"Question":"I applied for a XXXX Credit Card with US Bank with a FICO score of XXXX and wasrejected and I have been treated very unfairly by the bank.. \n","text":"Company chooses not to provide a public response","context":": I applied for a XXXX Credit Card with US Bank with a FICO score of XXXX and wasrejected and I have been treated very unfairly by the bank.. \n : Company chooses not to provide a public response"},{"Question":"I returned a cable box to XXXX and now I have received a letter stating that I never returned this cable box and now owe money. The company that sent me the letter, ERC, is a notorious debt collector know for fraudulent practices. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I returned a cable box to XXXX and now I have received a letter stating that I never returned this cable box and now owe money. The company that sent me the letter, ERC, is a notorious debt collector know for fraudulent practices. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am a victim of identity theft and someone opened up XXXX accounts in my name with U.S. Bank using my personal information. I have never opened or had an account with U.S. Bank. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I am a victim of identity theft and someone opened up XXXX accounts in my name with U.S. Bank using my personal information. I have never opened or had an account with U.S. Bank. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I do n't have proof of this is my debt I will like to have proof with my signature which they was n't available to provide me thanks \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I do n't have proof of this is my debt I will like to have proof with my signature which they was n't available to provide me thanks \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am trying to modify the loan on my grandmothers home which I am the executor of the estate. I have not received any answers regarding the mortgage loan on my property. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am trying to modify the loan on my grandmothers home which I am the executor of the estate. I have not received any answers regarding the mortgage loan on my property. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"See attachments. \n\nExperian does not have the proof document. They are using tactics to defer and delay. \nThey have my personal proof of ID on file. We went over this many times. \nWhy are they allowed this? \nWho can I seek out to get help? \n","text":"Company chooses not to provide a public response","context":": See attachments. \n\nExperian does not have the proof document. They are using tactics to defer and delay. \nThey have my personal proof of ID on file. We went over this many times. \nWhy are they allowed this? \nWho can I seek out to get help? \n : Company chooses not to provide a public response"},{"Question":"Please see attached Word document for all complaints against SunTrust Mortgage Co . \nThank you. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Please see attached Word document for all complaints against SunTrust Mortgage Co . \nThank you. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I was checking my existing report on what I owe. I just notice a cmre finance service was listed out of nowhere. This was added and I never got any report on them and just saw I had a balance! Balance of what? This needs to be corrected. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I was checking my existing report on what I owe. I just notice a cmre finance service was listed out of nowhere. This was added and I never got any report on them and just saw I had a balance! Balance of what? This needs to be corrected. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"i was XXXX i am low income filled out charity pay to pay for it never recieved a bill and meade and associates have violated the law i believe they are listing XXXX info on my credit report i believe this is illegal also trying to collect a debt i dont owe \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i was XXXX i am low income filled out charity pay to pay for it never recieved a bill and meade and associates have violated the law i believe they are listing XXXX info on my credit report i believe this is illegal also trying to collect a debt i dont owe \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Washington XXXX ) Is not mine, I have never lived in the state of Washington. That address belonged to my son XXXX XXXX when he was stationed there XXXX. Need to have it removed from my credit record as a past residence. \n","text":"Company chooses not to provide a public response","context":": The address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Washington XXXX ) Is not mine, I have never lived in the state of Washington. That address belonged to my son XXXX XXXX when he was stationed there XXXX. Need to have it removed from my credit record as a past residence. \n : Company chooses not to provide a public response"},{"Question":"My brother and I are XXXX and our names are very similar. His transactions are appearing on my credit report along with his name as an alias for myself \n","text":"Company chooses not to provide a public response","context":": My brother and I are XXXX and our names are very similar. His transactions are appearing on my credit report along with his name as an alias for myself \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo Bank NA placed a partial Hold on a check deposited issued by the State of North Carolina. I was told that the hold was placed becasue the check might not clear the account. REALLY! The State of North Carolina issues bad paper? \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Wells Fargo Bank NA placed a partial Hold on a check deposited issued by the State of North Carolina. I was told that the hold was placed becasue the check might not clear the account. REALLY! The State of North Carolina issues bad paper? \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have filed lawsuits against TransUnion and XXXX. A s a result, these credit bureaus will not supply the required annual report for unknown reasons. \n","text":"Company chooses not to provide a public response","context":": I have filed lawsuits against TransUnion and XXXX. A s a result, these credit bureaus will not supply the required annual report for unknown reasons. \n : Company chooses not to provide a public response"},{"Question":"Financial Corporation Of America is trying to collect a debt that is not mine XXXX XXXX Hospital keeps sending these Frivolous charges to collection company to collection company \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Financial Corporation Of America is trying to collect a debt that is not mine XXXX XXXX Hospital keeps sending these Frivolous charges to collection company to collection company \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Requested Midwest Service Bureau to not call me at my employer during conversation in XXXX 2016. I was paged through my employer today, XXXX\/XXXX\/16 @ XXXX, by XXXX XXXX at Midwest Service Bureau regarding the same accounts. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Requested Midwest Service Bureau to not call me at my employer during conversation in XXXX 2016. I was paged through my employer today, XXXX\/XXXX\/16 @ XXXX, by XXXX XXXX at Midwest Service Bureau regarding the same accounts. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I tried to dispute Name ( s ) associated with your credit on Experians website and it would not let me delete names that were not associated with me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I tried to dispute Name ( s ) associated with your credit on Experians website and it would not let me delete names that were not associated with me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I sent Macy 's XXXX letter an they are refusing to remove my account from all three major credit bureau after receive my payment \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I sent Macy 's XXXX letter an they are refusing to remove my account from all three major credit bureau after receive my payment \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Experian is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently. \n","text":"Company chooses not to provide a public response","context":": Experian is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently. \n : Company chooses not to provide a public response"},{"Question":"they used my house payment to pay escrow, then reported that my house payment was late! \n","text":"Company chooses not to provide a public response","context":": they used my house payment to pay escrow, then reported that my house payment was late! \n : Company chooses not to provide a public response"},{"Question":"first I never ever lived in XXXX, ,Mississipppi . Next I never apply for credit with XXXX Bank \n","text":"Company chooses not to provide a public response","context":": first I never ever lived in XXXX, ,Mississipppi . Next I never apply for credit with XXXX Bank \n : Company chooses not to provide a public response"},{"Question":"We get many calls from debt collectors looking for XXXX XXXX at our home phone number XXXX XXXX XXXX XXXX. We have had this number for over 10 years. The latest calls come from XXXX XXXX Mi and say to call them back at XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": We get many calls from debt collectors looking for XXXX XXXX at our home phone number XXXX XXXX XXXX XXXX. We have had this number for over 10 years. The latest calls come from XXXX XXXX Mi and say to call them back at XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I XXXX are requesting as of XXXX\/XXXX\/2016 a temporary credit freeze be place on my credit file at XXXX XXXX and trans union and all other national credit reporting agency. \n","text":"Company chooses not to provide a public response","context":": I XXXX are requesting as of XXXX\/XXXX\/2016 a temporary credit freeze be place on my credit file at XXXX XXXX and trans union and all other national credit reporting agency. \n : Company chooses not to provide a public response"},{"Question":"WELLS FARGO DEALER SERVICES MADE A HARD INQUIRE ON MY CREDIT REPORT AND I ASKED FOR PUT OF THE HARD INQUIRE BUT THEY HAVE FAILED TO DUE SO \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": WELLS FARGO DEALER SERVICES MADE A HARD INQUIRE ON MY CREDIT REPORT AND I ASKED FOR PUT OF THE HARD INQUIRE BUT THEY HAVE FAILED TO DUE SO \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I Keep Getting A Auto teller Telling Me I Owe A Debt To Press A Number And I Am On The No Call List..I Told Therm Not To Call My Cell Phone The Auto Teller Still Calls \n","text":"Company chooses not to provide a public response","context":": I Keep Getting A Auto teller Telling Me I Owe A Debt To Press A Number And I Am On The No Call List..I Told Therm Not To Call My Cell Phone The Auto Teller Still Calls \n : Company chooses not to provide a public response"},{"Question":"Inside of my background reflects a offense of XXXX this charge was dismissed and expunged and should not reflect in side of my background. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Inside of my background reflects a offense of XXXX this charge was dismissed and expunged and should not reflect in side of my background. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Once a card is issued at a set rate can the credit card company increase the rate if I am and have been current with all my cards for decades ( never late ) \n","text":"Company chooses not to provide a public response","context":": Once a card is issued at a set rate can the credit card company increase the rate if I am and have been current with all my cards for decades ( never late ) \n : Company chooses not to provide a public response"},{"Question":"I am more than certain that my ex-spouse has used my ss # without my consent. We have been divorced since 2006. I really don not know what type of loan this is, but I have never inquired to this entity. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I am more than certain that my ex-spouse has used my ss # without my consent. We have been divorced since 2006. I really don not know what type of loan this is, but I have never inquired to this entity. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have never been to this Dr. And they are trying to collect money and they have reported it to XXXX and XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have never been to this Dr. And they are trying to collect money and they have reported it to XXXX and XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Spam mail to our mailbox with information we do not want put in the mail. We are on the US governments ( do not mail ) list. We have called Wells Fargo a dozen times. We receive offers every week. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Spam mail to our mailbox with information we do not want put in the mail. We are on the US governments ( do not mail ) list. We have called Wells Fargo a dozen times. We receive offers every week. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Kohn Law Firm and XXXX XXXX are debt collectors who are attempting to collect a false debt against the consumer. Kohns have been served a Notice of Dispute and failed to comply with any of the FDCPA mandates. ( see, attached ) \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Kohn Law Firm and XXXX XXXX are debt collectors who are attempting to collect a false debt against the consumer. Kohns have been served a Notice of Dispute and failed to comply with any of the FDCPA mandates. ( see, attached ) \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I opened a citibank saving account, because there was a {$25.00} promotion around XX\/XX\/XXXX or XX\/XX\/XXXX. I contacted citibank many times and it seems citibank does n't want to honor this promotion. \n","text":"Company chooses not to provide a public response","context":": I opened a citibank saving account, because there was a {$25.00} promotion around XX\/XX\/XXXX or XX\/XX\/XXXX. I contacted citibank many times and it seems citibank does n't want to honor this promotion. \n : Company chooses not to provide a public response"},{"Question":"i didnt make a inquiry for this bank \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i didnt make a inquiry for this bank \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Citi opened an account XXXX\/XXXX\/16 using my name, but it was n't me. XXXX alerted me. Citi says to correct the problem, I have to go to a bank branch, but I live in XXXX, and there is no Citi branch in XXXX, XXXX, or XXXX. \n","text":"Company chooses not to provide a public response","context":": Citi opened an account XXXX\/XXXX\/16 using my name, but it was n't me. XXXX alerted me. Citi says to correct the problem, I have to go to a bank branch, but I live in XXXX, and there is no Citi branch in XXXX, XXXX, or XXXX. \n : Company chooses not to provide a public response"},{"Question":"HAVE NO CLUE WHO THIS DEBT BELONGS TO AND I HAVE ATTACHED THE PROPER INFORMATION N REGARDS TO THIS ACCT. ALSO I HAVE SPOKEN TO ALL AGENCY TO MAKE THEM AWARE THIS LETTER. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": HAVE NO CLUE WHO THIS DEBT BELONGS TO AND I HAVE ATTACHED THE PROPER INFORMATION N REGARDS TO THIS ACCT. ALSO I HAVE SPOKEN TO ALL AGENCY TO MAKE THEM AWARE THIS LETTER. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"they are calling numerous times a day. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": they are calling numerous times a day. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Trans Union is ignoring my requests to investigate and remove some accounts from my credit report that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Trans Union is ignoring my requests to investigate and remove some accounts from my credit report that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"XXXX has and is attempting to collect on a account from before XXXX they now have referred the account to some outside agency XXXX\/XXXX\/XXXX. this is beyond 7 seven years and illegal in my view. failed to contact me this was a phone from and employer XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX has and is attempting to collect on a account from before XXXX they now have referred the account to some outside agency XXXX\/XXXX\/XXXX. this is beyond 7 seven years and illegal in my view. failed to contact me this was a phone from and employer XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Experian contacted XXXX to have my account removed from Experian, Experian insist that they do n't have request, I even faxed them a letter from the collection agency saying to remove account and they have not done so \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian contacted XXXX to have my account removed from Experian, Experian insist that they do n't have request, I even faxed them a letter from the collection agency saying to remove account and they have not done so \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have this company Drivetime calling me at XXXX and up to five times daily. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have this company Drivetime calling me at XXXX and up to five times daily. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"BB & T should pay the penalties and interest of {$440.00}. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": BB & T should pay the penalties and interest of {$440.00}. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Per attached letters from XXXX my account was only one time XXXX late and XXXX XXXX was open from XX\/XX\/XXXX to XX\/XX\/XXXX. Per the attached credit report neither of these accounts are reporting as their letters state. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Per attached letters from XXXX my account was only one time XXXX late and XXXX XXXX was open from XX\/XX\/XXXX to XX\/XX\/XXXX. Per the attached credit report neither of these accounts are reporting as their letters state. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"said debt was gaining interest ... when in fact I do n't owe anything at all. also they tried to get my SS number \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": said debt was gaining interest ... when in fact I do n't owe anything at all. also they tried to get my SS number \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Macy 's is charging me interest on a bill that was paid. They keep adding late charges and they are effecting my credit rating. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Macy 's is charging me interest on a bill that was paid. They keep adding late charges and they are effecting my credit rating. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I attempted to get my free annual credit report online from the TransUnion website, and due to some error on their end, I was unable to do so. I tried a second time and got the same result. \n","text":"Company chooses not to provide a public response","context":": I attempted to get my free annual credit report online from the TransUnion website, and due to some error on their end, I was unable to do so. I tried a second time and got the same result. \n : Company chooses not to provide a public response"},{"Question":"I have received mutilate calls from them attempting to collect a debt from a medical visit I never had. If I had visited, my health insurname would have covered the visit and it would n't have cost me {$260.00} like they are claiming. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have received mutilate calls from them attempting to collect a debt from a medical visit I never had. If I had visited, my health insurname would have covered the visit and it would n't have cost me {$260.00} like they are claiming. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"This is from Cheveron Visa. I do n't owe them anything. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": This is from Cheveron Visa. I do n't owe them anything. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have contacted XXXX XXXX XXXX several times and they say they have no record of my account but it continues to be listed on my report. XXXX time I called and they said it was my husband 's account but it is not listed on his credit report. They do n't know how to remove it. \n","text":"Company chooses not to provide a public response","context":": I have contacted XXXX XXXX XXXX several times and they say they have no record of my account but it continues to be listed on my report. XXXX time I called and they said it was my husband 's account but it is not listed on his credit report. They do n't know how to remove it. \n : Company chooses not to provide a public response"},{"Question":"I am XXXX not XXXX please fix \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I am XXXX not XXXX please fix \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"A card I have operated through Macy 's has assessed me an inordinate amount of unwarranted fines. They charged me late fees ( {$130.00} ) on bills I never received and refused to refund them. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": A card I have operated through Macy 's has assessed me an inordinate amount of unwarranted fines. They charged me late fees ( {$130.00} ) on bills I never received and refused to refund them. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"The debt was properly billed to insurance and it appears on credit report more than two times. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The debt was properly billed to insurance and it appears on credit report more than two times. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The are searching for a XXXX XXXX who had this # previously. I have had the number since XXXX 2015 and keep telling them she ca n't be reached at this number but they continue to call several times a day. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The are searching for a XXXX XXXX who had this # previously. I have had the number since XXXX 2015 and keep telling them she ca n't be reached at this number but they continue to call several times a day. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Unknown account listed I have disputed with no outcome please assist. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Unknown account listed I have disputed with no outcome please assist. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"ERC, the collection agency have sent me \" an attempt to collect a debt ''. They claim I owe to XXXX which is not true because I always do my payments. It is very annoying. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": ERC, the collection agency have sent me \" an attempt to collect a debt ''. They claim I owe to XXXX which is not true because I always do my payments. It is very annoying. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"inability to contact bsi \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": inability to contact bsi \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"One of my addresses is listed at XXXX XXXX XXXX, XXXX XXXX XXXX. Year it is listred for I was XXXX at XXXX XXXX XXXX in XXXX. \n","text":"Company chooses not to provide a public response","context":": One of my addresses is listed at XXXX XXXX XXXX, XXXX XXXX XXXX. Year it is listred for I was XXXX at XXXX XXXX XXXX in XXXX. \n : Company chooses not to provide a public response"},{"Question":"FILED BY XXXX : I applied for a modification with SPS and they have informed me that they were going to pursuit the foreclosure while going through a modification .... \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": FILED BY XXXX : I applied for a modification with SPS and they have informed me that they were going to pursuit the foreclosure while going through a modification .... \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received a document that disputes the owner of the debt I am alleged to owe. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received a document that disputes the owner of the debt I am alleged to owe. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"SPS has repeatedly failed to process my complete loan modification application ( s ) \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": SPS has repeatedly failed to process my complete loan modification application ( s ) \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A satisfied judgment was filed XXXX and placed on my credit report. I would like this item removed from my credit report as the 7 year waiting period has expired. XXXX have dropped the item from my report. I would like Transunion to do the same. \n","text":"Company chooses not to provide a public response","context":": A satisfied judgment was filed XXXX and placed on my credit report. I would like this item removed from my credit report as the 7 year waiting period has expired. XXXX have dropped the item from my report. I would like Transunion to do the same. \n : Company chooses not to provide a public response"},{"Question":"Trans Union is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Trans Union is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"Trans Union keeps putting incorrect information on my report. \n","text":"Company chooses not to provide a public response","context":": Trans Union keeps putting incorrect information on my report. \n : Company chooses not to provide a public response"},{"Question":"I have asked experian to delete wrong information from my report and they have fail to do so. the only results that I have got are updated, but still shows wrong personal information. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have asked experian to delete wrong information from my report and they have fail to do so. the only results that I have got are updated, but still shows wrong personal information. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I do n't want them to contact me any more as I do n't have an account, a sign contract or any kind of debt with this company. \nI told them to stop contacting me and they just keep sending me collection letters and ignoring me 100 %. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I do n't want them to contact me any more as I do n't have an account, a sign contract or any kind of debt with this company. \nI told them to stop contacting me and they just keep sending me collection letters and ignoring me 100 %. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I need some assistance with my foreclosure sale date scheduled on XXXX\/XXXX\/16. I am already in review for a loan modification and have given all the information that has been asked of me for the review. I just need help getting the sale date postponed. \n","text":"Company chooses not to provide a public response","context":": I need some assistance with my foreclosure sale date scheduled on XXXX\/XXXX\/16. I am already in review for a loan modification and have given all the information that has been asked of me for the review. I just need help getting the sale date postponed. \n : Company chooses not to provide a public response"},{"Question":"Received a letter to collect on a debt for toll road charges and the letter sent does not have the 30 day validation disclosure, does not state the mini-Miranda disclosure. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Received a letter to collect on a debt for toll road charges and the letter sent does not have the 30 day validation disclosure, does not state the mini-Miranda disclosure. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"not abel to log in to my credit scoor, \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": not abel to log in to my credit scoor, \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Experian is not responding to my request to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act. \n","text":"Company chooses not to provide a public response","context":": Experian is not responding to my request to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act. \n : Company chooses not to provide a public response"},{"Question":"Experian is ignoring my requests to investigate, verify and remove an account from my credit report that does not belong to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian is ignoring my requests to investigate, verify and remove an account from my credit report that does not belong to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Once I told them that chartity suppose to took care the bills they was very rude they will be hearing from my lawyer ASAP if everybody else was paid off why they still calling. \n","text":"Company chooses not to provide a public response","context":": Once I told them that chartity suppose to took care the bills they was very rude they will be hearing from my lawyer ASAP if everybody else was paid off why they still calling. \n : Company chooses not to provide a public response"},{"Question":"I am still waiting for the documents I requested. \n\nSee attachment. \n","text":"Company chooses not to provide a public response","context":": I am still waiting for the documents I requested. \n\nSee attachment. \n : Company chooses not to provide a public response"},{"Question":"see attachmentthere are numerous errors and Experian has refuse to send information per my letter. Experian delays process over and over again. I need the information I requested. \n","text":"Company chooses not to provide a public response","context":": see attachmentthere are numerous errors and Experian has refuse to send information per my letter. Experian delays process over and over again. I need the information I requested. \n : Company chooses not to provide a public response"},{"Question":"Trans Union is not responding to any of my numerous requests to investigate and remove accounts and inquiries from my credit report that were fraudulently opened. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Trans Union is not responding to any of my numerous requests to investigate and remove accounts and inquiries from my credit report that were fraudulently opened. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I simply requested the reason why my score dropped from XXXX to XXXX. I was informed this information was not available. \n","text":"Company chooses not to provide a public response","context":": I simply requested the reason why my score dropped from XXXX to XXXX. I was informed this information was not available. \n : Company chooses not to provide a public response"},{"Question":"Gla Inc. Repeatedly calls my cell phone every day, at least five times per day. Gla is XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Gla Inc. Repeatedly calls my cell phone every day, at least five times per day. Gla is XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I XXXX are requesting as of XXXX\/XXXX\/2016 a temporary credit freeze be place on my credit file at XXXX experience and XXXX and all other national credit reporting agency. \n","text":"Company chooses not to provide a public response","context":": I XXXX are requesting as of XXXX\/XXXX\/2016 a temporary credit freeze be place on my credit file at XXXX experience and XXXX and all other national credit reporting agency. \n : Company chooses not to provide a public response"},{"Question":"Open XXXX charged me for a debt that is incorrect and would not attempt to resolve and debt collector will not fix. \n","text":"Company chooses not to provide a public response","context":": Open XXXX charged me for a debt that is incorrect and would not attempt to resolve and debt collector will not fix. \n : Company chooses not to provide a public response"},{"Question":"Tradelines are on my credit report that are not mine. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Tradelines are on my credit report that are not mine. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Wrong Address also XXXX report had wrong year of birth also had myself listed as XXXX \n","text":"Company chooses not to provide a public response","context":": Wrong Address also XXXX report had wrong year of birth also had myself listed as XXXX \n : Company chooses not to provide a public response"},{"Question":"Debt is not mine and the Statute of Limitations has Expired. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt is not mine and the Statute of Limitations has Expired. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Changed terms in XXXX membership rewards shortly after opening of credit card and paying {$75.00} annual fee. \n","text":"Company chooses not to provide a public response","context":": Changed terms in XXXX membership rewards shortly after opening of credit card and paying {$75.00} annual fee. \n : Company chooses not to provide a public response"},{"Question":"XXXX hard inquires still on my credit reports all from XXXX, XXXX\/XXXX\/XXXX. These are almost 2 years old. Also from same company on XXXX\/XXXX\/XXXX, and again on XX\/XX\/XXXX.Reports to all XXXX credit bureaus \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX hard inquires still on my credit reports all from XXXX, XXXX\/XXXX\/XXXX. These are almost 2 years old. Also from same company on XXXX\/XXXX\/XXXX, and again on XX\/XX\/XXXX.Reports to all XXXX credit bureaus \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I initially disputed an account, which came back as verified. I believe that the investigation is questionable. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I initially disputed an account, which came back as verified. I believe that the investigation is questionable. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Lender is contacting my boyfriends mother, who I do not even have a phone number for, to collect my debt. She is no relation to me, mere aquaintance and was never given out information about her for me including her phone number. \n","text":"Company disputes the facts presented in the complaint","context":": Lender is contacting my boyfriends mother, who I do not even have a phone number for, to collect my debt. She is no relation to me, mere aquaintance and was never given out information about her for me including her phone number. \n : Company disputes the facts presented in the complaint"},{"Question":"The balance on my XXXX XXXX XXXX account was settled and should now be at a XXXX balance. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The balance on my XXXX XXXX XXXX account was settled and should now be at a XXXX balance. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Personal loan that was removed was converted fraudulently to educational loan so they reinserted it onto my credit report. The dates, amounts and historical info are wrong \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Personal loan that was removed was converted fraudulently to educational loan so they reinserted it onto my credit report. The dates, amounts and historical info are wrong \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I HAVE DISPUTED SEVERAL TIMES WITH XXXX REGARDING THIS EXECUTIVE FINANCIAL CONSUL COMPANY REPORTING AN ACCOUNT THAT DOES NOT BELONG TO ME. IT IS FOR {$86.00} \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I HAVE DISPUTED SEVERAL TIMES WITH XXXX REGARDING THIS EXECUTIVE FINANCIAL CONSUL COMPANY REPORTING AN ACCOUNT THAT DOES NOT BELONG TO ME. IT IS FOR {$86.00} \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"A reservation was made through XXXX for a hotel in XXXX XXXX XXXX. Following procedure, I checked out of the hotel after a ( 1 ) one day stay with the understanding that I will only be charged for a ( 2 ) two day stay. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": A reservation was made through XXXX for a hotel in XXXX XXXX XXXX. Following procedure, I checked out of the hotel after a ( 1 ) one day stay with the understanding that I will only be charged for a ( 2 ) two day stay. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I am a XXXX patient unable to pay loan due to unemployment. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I am a XXXX patient unable to pay loan due to unemployment. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Pinnacle Credit services has no right to contact me they were never licensed in the State of Maine to Collect or contact anyone. They put on my XXXX XXXX Credit Report XXXX wireless!!!! I have written proof through the State of Maine \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Pinnacle Credit services has no right to contact me they were never licensed in the State of Maine to Collect or contact anyone. They put on my XXXX XXXX Credit Report XXXX wireless!!!! I have written proof through the State of Maine \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have tried unsuccessfully tried to challenge with Transunion recent inquiries which are not mine and did not approve and payment history showing late with XXXX, nothing updated on my account since XXXX disputes still processing ... \n","text":"Company chooses not to provide a public response","context":": I have tried unsuccessfully tried to challenge with Transunion recent inquiries which are not mine and did not approve and payment history showing late with XXXX, nothing updated on my account since XXXX disputes still processing ... \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX The following account above is not mine, and it is keeping me from getting a job. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX The following account above is not mine, and it is keeping me from getting a job. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX reported wrong information to XXXX. They reported XXXX wrong addresses, wrong criminal history, and they counted XXXX of our closed\/paid off monthly financial details ( {$460.00} ) towards our current monthly payments. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX XXXX reported wrong information to XXXX. They reported XXXX wrong addresses, wrong criminal history, and they counted XXXX of our closed\/paid off monthly financial details ( {$460.00} ) towards our current monthly payments. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XX\/XX\/XXXX XXXX The following account does not belong to me, and this is stopping me from getting a job. \n","text":"Company chooses not to provide a public response","context":": XX\/XX\/XXXX XXXX The following account does not belong to me, and this is stopping me from getting a job. \n : Company chooses not to provide a public response"},{"Question":"I recently pulled my credit report I found Bank Of America reporting a charge off as an authorized user the acct was opened XX\/XX\/XXXX and closed XX\/XX\/XXXX I never authorized anyone to put me on that acct please have them remove it aspa. \n","text":"Company chooses not to provide a public response","context":": I recently pulled my credit report I found Bank Of America reporting a charge off as an authorized user the acct was opened XX\/XX\/XXXX and closed XX\/XX\/XXXX I never authorized anyone to put me on that acct please have them remove it aspa. \n : Company chooses not to provide a public response"},{"Question":"I have never been or never will be XXXX XXXX, I have written to the agencies before to no avail. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have never been or never will be XXXX XXXX, I have written to the agencies before to no avail. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"OAC is contacting me about a fraudulent account that I have told them was fraud, they are now reporting the info to my XXXX report that is a result of id theft in violation of FCRA Section 605b. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": OAC is contacting me about a fraudulent account that I have told them was fraud, they are now reporting the info to my XXXX report that is a result of id theft in violation of FCRA Section 605b. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"still after years of recorded payment with former employee, my wages were garnished in the amount of @ XXXX XXXX dollars collected\/represented by an attorney who I believe did not report my garnish wages. \n","text":"Company chooses not to provide a public response","context":": still after years of recorded payment with former employee, my wages were garnished in the amount of @ XXXX XXXX dollars collected\/represented by an attorney who I believe did not report my garnish wages. \n : Company chooses not to provide a public response"},{"Question":"TRANSUNION IS REPORTING A VACATED JUDGEMENT ON MY CREDIT REPORT PLEASE REMOVE THIS ASAP.ENCLOSED IS THE COURT RECORD SIGNED BY THE JUDGE TO VACATE IT. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": TRANSUNION IS REPORTING A VACATED JUDGEMENT ON MY CREDIT REPORT PLEASE REMOVE THIS ASAP.ENCLOSED IS THE COURT RECORD SIGNED BY THE JUDGE TO VACATE IT. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert from my credit profile \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert from my credit profile \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX , XXXX, changed account numbers on previously discharged accounts and is now reporting the fraudulent accounts as current with outstanding balances. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX , XXXX, changed account numbers on previously discharged accounts and is now reporting the fraudulent accounts as current with outstanding balances. \n : Company chooses not to provide a public response"},{"Question":"WF XXXX continues to report that ( XXXX ) accounts are currently 120+ days past due. This is false. They were CLOSED and SOLD, transferred nearly 5 years ago. My current XXXX report shows I am 120+ days past due in XXXX 2015. This is wrong and is severely impacting my credit. \n","text":"Company chooses not to provide a public response","context":": WF XXXX continues to report that ( XXXX ) accounts are currently 120+ days past due. This is false. They were CLOSED and SOLD, transferred nearly 5 years ago. My current XXXX report shows I am 120+ days past due in XXXX 2015. This is wrong and is severely impacting my credit. \n : Company chooses not to provide a public response"},{"Question":"see attachment. \n\nThey still have not provided the support documents to verify the debts. No physical support documents. The information needs to be deleted. \nI have been waiting for months now. \n","text":"Company chooses not to provide a public response","context":": see attachment. \n\nThey still have not provided the support documents to verify the debts. No physical support documents. The information needs to be deleted. \nI have been waiting for months now. \n : Company chooses not to provide a public response"},{"Question":"Peaks loan company is unwilling to assist with repayment options, I never signed up for them and was never informed by XXXX XXXX, and their interest is the highest I have ever seen for student loans. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Peaks loan company is unwilling to assist with repayment options, I never signed up for them and was never informed by XXXX XXXX, and their interest is the highest I have ever seen for student loans. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"The XXXX XXXX XXXX was included in the bankruptcy which was discharged XXXX XXXX, 2015 case # XXXX. The loan should be removed immediately. This bad credit reporting has resulted in dropping my score XXXX points and is ruining my credit rating. \n","text":"Company chooses not to provide a public response","context":": The XXXX XXXX XXXX was included in the bankruptcy which was discharged XXXX XXXX, 2015 case # XXXX. The loan should be removed immediately. This bad credit reporting has resulted in dropping my score XXXX points and is ruining my credit rating. \n : Company chooses not to provide a public response"},{"Question":"Just today the Bank has called my number 4 times and it is only XXXX. I always make the monthly payment. One call is plenty. \n\nBank of America. \n","text":"Company chooses not to provide a public response","context":": Just today the Bank has called my number 4 times and it is only XXXX. I always make the monthly payment. One call is plenty. \n\nBank of America. \n : Company chooses not to provide a public response"},{"Question":"You are in violation of the fair credit protection act. You have failed to remove in accurately reported information. As previously stated, XXXX XXXX has never visited XXXX or been treated by them. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": You are in violation of the fair credit protection act. You have failed to remove in accurately reported information. As previously stated, XXXX XXXX has never visited XXXX or been treated by them. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Upon receiving the right to dispute, I sent a letter certified mail within the 30 day period asking to verify the debt. I received no communication from the company and the debit was added to my credit rating, thus bringing down my credit score. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Upon receiving the right to dispute, I sent a letter certified mail within the 30 day period asking to verify the debt. I received no communication from the company and the debit was added to my credit rating, thus bringing down my credit score. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was a co-signer with a son in law. Wells Fargo.on a car. \n","text":"Company chooses not to provide a public response","context":": I was a co-signer with a son in law. Wells Fargo.on a car. \n : Company chooses not to provide a public response"},{"Question":"Ally Financial make incessant calls prior to late payment calling my parents, neighbors, relatives to the point of harassment also divulging personal information and threats. \nThey will not relent. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Ally Financial make incessant calls prior to late payment calling my parents, neighbors, relatives to the point of harassment also divulging personal information and threats. \nThey will not relent. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My mortgage is scheduled for foreclosure sale in XXXX. I have been trying to do a modification on my home for months now but to no avail. Please assist me as I am trying to save my home. \n","text":"Company chooses not to provide a public response","context":": My mortgage is scheduled for foreclosure sale in XXXX. I have been trying to do a modification on my home for months now but to no avail. Please assist me as I am trying to save my home. \n : Company chooses not to provide a public response"},{"Question":"applied for credit card with USBank that promised a free XXXX night with every award reservation. Paid the annual fee and met the spending threshold. Then they changed the card terms to take away the benefit \n","text":"Company chooses not to provide a public response","context":": applied for credit card with USBank that promised a free XXXX night with every award reservation. Paid the annual fee and met the spending threshold. Then they changed the card terms to take away the benefit \n : Company chooses not to provide a public response"},{"Question":"Collection attempts still being made after chapter XXXX by this specific collection company. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Collection attempts still being made after chapter XXXX by this specific collection company. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"SINCE 2010 THE COURT REQUEST XXXX XXXX XXXX XXXX TO PAY THE BILLS FOR THE HOUSE AND IM DONT. \nHAVE TO DO ANYTHING WITH THE PAYMENTS HES AFFECTING ME UNPORPUSE. \nThat mean 1st. Mortgage ( XXXX XXXX ) and 2nd Mortgage ( XXXX ) \n","text":"Company chooses not to provide a public response","context":": SINCE 2010 THE COURT REQUEST XXXX XXXX XXXX XXXX TO PAY THE BILLS FOR THE HOUSE AND IM DONT. \nHAVE TO DO ANYTHING WITH THE PAYMENTS HES AFFECTING ME UNPORPUSE. \nThat mean 1st. Mortgage ( XXXX XXXX ) and 2nd Mortgage ( XXXX ) \n : Company chooses not to provide a public response"},{"Question":"XXXX used my s.s. number without my authority and did a hard credit check, and I did not know about it until I got a credit alert from credit karma. And I wish to have the hard credit check removed. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX used my s.s. number without my authority and did a hard credit check, and I did not know about it until I got a credit alert from credit karma. And I wish to have the hard credit check removed. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My name is XXXX XXXX, i requested Loan modification, to my mortgage leader, and they denial, I also requested short sale, and they have been playing game, asking documents offer and offer again. Now I really need help. My Phone number is XXXX. Or my husband number XXXX. \n","text":"Company chooses not to provide a public response","context":": My name is XXXX XXXX, i requested Loan modification, to my mortgage leader, and they denial, I also requested short sale, and they have been playing game, asking documents offer and offer again. Now I really need help. My Phone number is XXXX. Or my husband number XXXX. \n : Company chooses not to provide a public response"},{"Question":"Creditors are showing things that I have not authorized \n","text":"Company chooses not to provide a public response","context":": Creditors are showing things that I have not authorized \n : Company chooses not to provide a public response"},{"Question":"Also use my brother to threaten me if i do n't make a payment even as I told him that I am currently unemployed. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Also use my brother to threaten me if i do n't make a payment even as I told him that I am currently unemployed. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I have been a XXXX customer for almost 2 years now and they are not reporting my payments as required. My report on Experian is displaying ND which means no data. \nI am requesting that they update my Experian report to show OK on my report. \n","text":"Company chooses not to provide a public response","context":": I have been a XXXX customer for almost 2 years now and they are not reporting my payments as required. My report on Experian is displaying ND which means no data. \nI am requesting that they update my Experian report to show OK on my report. \n : Company chooses not to provide a public response"},{"Question":"I 'm being denied for a loan that I qualify for because my past short sale which settled on XXXX\/XXXX\/2011 is showing up as a foreclosure in the automated XXXX and XXXX XXXX underwriting report. \n","text":"Company chooses not to provide a public response","context":": I 'm being denied for a loan that I qualify for because my past short sale which settled on XXXX\/XXXX\/2011 is showing up as a foreclosure in the automated XXXX and XXXX XXXX underwriting report. \n : Company chooses not to provide a public response"},{"Question":"EXPERIAN HAS WRONG DATE OF BIRTH AND YEAR. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": EXPERIAN HAS WRONG DATE OF BIRTH AND YEAR. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"On or about I sent in a dispute to Experian regarding XXXX collection accounts. I have not received any response regarding this inquiry. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": On or about I sent in a dispute to Experian regarding XXXX collection accounts. I have not received any response regarding this inquiry. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My name is XXXX XXXX XXXX not XXXX XXXX XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My name is XXXX XXXX XXXX not XXXX XXXX XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Called my mother-in-law by phone and began asking her questions such as if she knew me and if she would give them my phone number. Her name is XXXX XXXX and she works for Capital Management. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Called my mother-in-law by phone and began asking her questions such as if she knew me and if she would give them my phone number. Her name is XXXX XXXX and she works for Capital Management. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Tried to get my report form transUnion and they wanted to charge me a fee \n","text":"Company chooses not to provide a public response","context":": Tried to get my report form transUnion and they wanted to charge me a fee \n : Company chooses not to provide a public response"},{"Question":"I have several credit card acct on my credit that I was listed as an authorized user never seen are used the card before..ithink someone might have my info \n","text":"Company chooses not to provide a public response","context":": I have several credit card acct on my credit that I was listed as an authorized user never seen are used the card before..ithink someone might have my info \n : Company chooses not to provide a public response"},{"Question":"BB & T only makes {$100.00} available on next day availablity deposits versus {$200.00} required by Dodd-Frank. \n","text":"Company chooses not to provide a public response","context":": BB & T only makes {$100.00} available on next day availablity deposits versus {$200.00} required by Dodd-Frank. \n : Company chooses not to provide a public response"},{"Question":"Mortgage Co on paper said they paid my taxes for 2015 and has not done. They keep on saying they will. The name of the mortgage co that XXXX XXXX sold is SHELL MORTAGE SERVICING, XXXX, S.C XXXX -- XXXX \n","text":"Company believes complaint is the result of an isolated error","context":": Mortgage Co on paper said they paid my taxes for 2015 and has not done. They keep on saying they will. The name of the mortgage co that XXXX XXXX sold is SHELL MORTAGE SERVICING, XXXX, S.C XXXX -- XXXX \n : Company believes complaint is the result of an isolated error"},{"Question":"Dispute was not handled thoroughly. Problem with statement of dispute. \n","text":"Company chooses not to provide a public response","context":": Dispute was not handled thoroughly. Problem with statement of dispute. \n : Company chooses not to provide a public response"},{"Question":"On XXXX XXXX, 2016 I received an alert on my XXXX credit from a company that has never contacted me about the debt. I was never notified via postage mail nor have I ever had a conversation with this company about the debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": On XXXX XXXX, 2016 I received an alert on my XXXX credit from a company that has never contacted me about the debt. I was never notified via postage mail nor have I ever had a conversation with this company about the debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"US Bank\/XXXX changed the benefits on the card ( free night on award redemptions of two nights or more ), despite charging me a {$65.00} annual fee. \n","text":"Company chooses not to provide a public response","context":": US Bank\/XXXX changed the benefits on the card ( free night on award redemptions of two nights or more ), despite charging me a {$65.00} annual fee. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX is being reported as being 30 days late on my Experian report and I believe that is incorrect. The account has been current always, to my knowledge. I have asked for support on the reporting but I have not received it. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX is being reported as being 30 days late on my Experian report and I believe that is incorrect. The account has been current always, to my knowledge. I have asked for support on the reporting but I have not received it. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I would like Chapter XXXX bankruptcy judgement removed on Transunion credit report and XXXX credit report.It has been passed seven years.Thank you. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I would like Chapter XXXX bankruptcy judgement removed on Transunion credit report and XXXX credit report.It has been passed seven years.Thank you. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Name ( XXXX XXXX XXXX ) and address of XXXX are not correct. Seems as if someone at that address might have tried to get credit card \n","text":"Company chooses not to provide a public response","context":": Name ( XXXX XXXX XXXX ) and address of XXXX are not correct. Seems as if someone at that address might have tried to get credit card \n : Company chooses not to provide a public response"},{"Question":"collecter violated fdcpa .... he has called a few times leaving very intrusive and derigatory voicemails on my phone \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": collecter violated fdcpa .... he has called a few times leaving very intrusive and derigatory voicemails on my phone \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"CMRE FINANCIAL SERVICES INC. I received the attached demand letter from CMRE for a debt I do not owe. \n","text":"Company chooses not to provide a public response","context":": CMRE FINANCIAL SERVICES INC. I received the attached demand letter from CMRE for a debt I do not owe. \n : Company chooses not to provide a public response"},{"Question":"I have made attempts to try and resolve debt through a settlement offer of approximately 65 % of the debt. No validation of debt has ever been provided to validate the debt. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I have made attempts to try and resolve debt through a settlement offer of approximately 65 % of the debt. No validation of debt has ever been provided to validate the debt. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I underwent a XXXX in XXXX 2015. The hospital in question accepted my initial condition and took care of me. However, I rejected additional XXXX, and against my will they billed me for services that were not rendered \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I underwent a XXXX in XXXX 2015. The hospital in question accepted my initial condition and took care of me. However, I rejected additional XXXX, and against my will they billed me for services that were not rendered \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I owe money to XXXX XXXX. They sent the debt to ic system, and they have been calling my wife about my debt repeatedly, even after saying they wo n't call anymore. \n","text":"Company chooses not to provide a public response","context":": I owe money to XXXX XXXX. They sent the debt to ic system, and they have been calling my wife about my debt repeatedly, even after saying they wo n't call anymore. \n : Company chooses not to provide a public response"},{"Question":"My yonger sister bad credit is on my credit. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My yonger sister bad credit is on my credit. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX 2014 I went to the hospital with full healthcare coverage. I paid my copay and received medical service. I paid the appropriate healthcare bill and have had my account sent to Americollect. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX 2014 I went to the hospital with full healthcare coverage. I paid my copay and received medical service. I paid the appropriate healthcare bill and have had my account sent to Americollect. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Transunion is reporting me 90 days late twice. last reported XXXX 2015. This is incorrect. I have paid on time \n","text":"Company chooses not to provide a public response","context":": Transunion is reporting me 90 days late twice. last reported XXXX 2015. This is incorrect. I have paid on time \n : Company chooses not to provide a public response"},{"Question":"I received an alert from a credit monitoring service of a credit inquiry to Experian initiated by XXXX XXXX, which I did not approve. I have not been able to reach anyone at XXXX XXXX or Experian to resolve the matter. \n","text":"Company chooses not to provide a public response","context":": I received an alert from a credit monitoring service of a credit inquiry to Experian initiated by XXXX XXXX, which I did not approve. I have not been able to reach anyone at XXXX XXXX or Experian to resolve the matter. \n : Company chooses not to provide a public response"},{"Question":"I received an active credit card from Wells Fargo Financial National Bank that I did not apply for. \n","text":"Company chooses not to provide a public response","context":": I received an active credit card from Wells Fargo Financial National Bank that I did not apply for. \n : Company chooses not to provide a public response"},{"Question":"XXXX reported an hard inquiry to Transunion Credit Bureau on XXXX\/XXXX\/2015. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX reported an hard inquiry to Transunion Credit Bureau on XXXX\/XXXX\/2015. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX reported on my Transunion Credit Report on the following dates : XXXX\/XXXX\/15, XXXX\/XXXX\/15 and XXXX\/XXXX\/15. I did not inquire any information regarding this company. These are XXXX hard inquiries. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX reported on my Transunion Credit Report on the following dates : XXXX\/XXXX\/15, XXXX\/XXXX\/15 and XXXX\/XXXX\/15. I did not inquire any information regarding this company. These are XXXX hard inquiries. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Trans Union is not responding to any of my credit reports to investigate and remove XXXX account from my credit report that do not belong to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Trans Union is not responding to any of my credit reports to investigate and remove XXXX account from my credit report that do not belong to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I requested my annual report but they seem like they comply.I have this problem every year. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I requested my annual report but they seem like they comply.I have this problem every year. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Trans Union is not responding to any of my numerous requests to investigate, verify and remove some accounts from my credit file that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Trans Union is not responding to any of my numerous requests to investigate, verify and remove some accounts from my credit file that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"CREDIT REPORT ( TRANSUNION ) IS CURRENTLY REPORTING ERRONEOUS SCORING INFORMATION AFFECTING MY FINANCES, CURRENTLY GOING THROUGH SBA FUNDING, THEREFORE THE FINANCES ARE CRITICAL AND MY REPORT IS DETRIMENTAL. TRANSUNION LACK OF TRANSPARENCY IS PUTTING MY BUSINESS STABILITY IN JEOPARDY. \n","text":"Company chooses not to provide a public response","context":": CREDIT REPORT ( TRANSUNION ) IS CURRENTLY REPORTING ERRONEOUS SCORING INFORMATION AFFECTING MY FINANCES, CURRENTLY GOING THROUGH SBA FUNDING, THEREFORE THE FINANCES ARE CRITICAL AND MY REPORT IS DETRIMENTAL. TRANSUNION LACK OF TRANSPARENCY IS PUTTING MY BUSINESS STABILITY IN JEOPARDY. \n : Company chooses not to provide a public response"},{"Question":"Received demand letter from law firm stating I owe them XXXX \n","text":"Company chooses not to provide a public response","context":": Received demand letter from law firm stating I owe them XXXX \n : Company chooses not to provide a public response"},{"Question":"I vist www.annualcreditreport.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to put it timed out with out giving it to me!!! \n","text":"Company chooses not to provide a public response","context":": I vist www.annualcreditreport.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to put it timed out with out giving it to me!!! \n : Company chooses not to provide a public response"},{"Question":"The first one is with an alarm company that my husband included in his bankruptcy. So now the put it on my credit as a delinquent account. The other one is with a mortgage company, I paid the account in full XX\/XX\/XXXX and is till open in my credit report. \n","text":"Company chooses not to provide a public response","context":": The first one is with an alarm company that my husband included in his bankruptcy. So now the put it on my credit as a delinquent account. The other one is with a mortgage company, I paid the account in full XX\/XX\/XXXX and is till open in my credit report. \n : Company chooses not to provide a public response"},{"Question":"I want trans union to take off the collections of XXXX. I have received my payment statement from XXXX. so therefore helvey and associates have just committed fraud. \n","text":"Company chooses not to provide a public response","context":": I want trans union to take off the collections of XXXX. I have received my payment statement from XXXX. so therefore helvey and associates have just committed fraud. \n : Company chooses not to provide a public response"},{"Question":"I HAVE BEEN SENT A LETTER IN THE MAIL FOR A DEBT of {$38.00} IN WHICH I DO NOT OWE \n","text":"Company chooses not to provide a public response","context":": I HAVE BEEN SENT A LETTER IN THE MAIL FOR A DEBT of {$38.00} IN WHICH I DO NOT OWE \n : Company chooses not to provide a public response"},{"Question":"I asked Sears\/CBNA to remove me as an authorized user from an account and was told that I needed to talk to an X of mine as we are not on talking terms. I am not going to be held responsible. Sears basically said this is my own problem. \n","text":"Company chooses not to provide a public response","context":": I asked Sears\/CBNA to remove me as an authorized user from an account and was told that I needed to talk to an X of mine as we are not on talking terms. I am not going to be held responsible. Sears basically said this is my own problem. \n : Company chooses not to provide a public response"},{"Question":"I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Can not retrieve my credit reportsuspect my Fathers son has used his social security number \n","text":"Company chooses not to provide a public response","context":": Can not retrieve my credit reportsuspect my Fathers son has used his social security number \n : Company chooses not to provide a public response"},{"Question":"I got ripped off by CitiBank Credit Card Services. I scheduled a payment through their online services and the system did not process the payment. Since then XXXX broke loose and now they have ruined my decent credit and took me to a collection agency. \n","text":"Company chooses not to provide a public response","context":": I got ripped off by CitiBank Credit Card Services. I scheduled a payment through their online services and the system did not process the payment. Since then XXXX broke loose and now they have ruined my decent credit and took me to a collection agency. \n : Company chooses not to provide a public response"},{"Question":"Disputed debt, failed to respond to Dispute Notice, continues collection efforts \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Disputed debt, failed to respond to Dispute Notice, continues collection efforts \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Unauthorized charges were approved to newly opened Citibank Credit Card account with the wrong cardholder name and cardholder number. \n","text":"Company chooses not to provide a public response","context":": Unauthorized charges were approved to newly opened Citibank Credit Card account with the wrong cardholder name and cardholder number. \n : Company chooses not to provide a public response"},{"Question":"i wasnt notified by the creditor before they tried to take legal action, not even the attorney office, they never sent me a validation of debt notice not even a phone card no communication at all \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i wasnt notified by the creditor before they tried to take legal action, not even the attorney office, they never sent me a validation of debt notice not even a phone card no communication at all \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My private student loan ( Sallie Mae ) is at 12.75 % yet on the web site they offer student loans from 2.5 % to 9.59 % i have called numerous times to try and get my student loan interest rate reduced so that i can afford making the payments each month. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My private student loan ( Sallie Mae ) is at 12.75 % yet on the web site they offer student loans from 2.5 % to 9.59 % i have called numerous times to try and get my student loan interest rate reduced so that i can afford making the payments each month. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received a letter stating I owed a debt. I sent a debt validation letter back and did n't receive validation but did receive another letter for debt payment. I clearly stated in my validation letter not to contact me or continue to try and collect without validating the debt. \n","text":"Company chooses not to provide a public response","context":": I received a letter stating I owed a debt. I sent a debt validation letter back and did n't receive validation but did receive another letter for debt payment. I clearly stated in my validation letter not to contact me or continue to try and collect without validating the debt. \n : Company chooses not to provide a public response"},{"Question":"my Mortgage company wants to double my escrow payment, I ca n't afford this. I believe there was an error on the mortgage company by allowing or not foreseeing an escrow shortage. \n","text":"Company chooses not to provide a public response","context":": my Mortgage company wants to double my escrow payment, I ca n't afford this. I believe there was an error on the mortgage company by allowing or not foreseeing an escrow shortage. \n : Company chooses not to provide a public response"},{"Question":"I have received a debt collector letter stating I owe a debt. I have never owned a credit card nor do I know this bank. I do think they have the wrong person on the account. \n","text":"Company chooses not to provide a public response","context":": I have received a debt collector letter stating I owe a debt. I have never owned a credit card nor do I know this bank. I do think they have the wrong person on the account. \n : Company chooses not to provide a public response"},{"Question":"This is a fake credit company. I have done research on this company, but they somehow managed to get into my credit report and illegal XXXX with my credit report, beinging my fico score down. Stating that i owe them money. Bogus if you ask me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This is a fake credit company. I have done research on this company, but they somehow managed to get into my credit report and illegal XXXX with my credit report, beinging my fico score down. Stating that i owe them money. Bogus if you ask me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX XXXX XXXX, GA XXXX This address showed up on my credit report ... .it was a reported attempt at fraud that I caught in time. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX, GA XXXX This address showed up on my credit report ... .it was a reported attempt at fraud that I caught in time. \n : Company chooses not to provide a public response"},{"Question":"closed XXXX\/XXXX\/15, deed and mortgage still not recorded. \ncontacted ALTI SOURCE to find out why, no response. \n","text":"Company chooses not to provide a public response","context":": closed XXXX\/XXXX\/15, deed and mortgage still not recorded. \ncontacted ALTI SOURCE to find out why, no response. \n : Company chooses not to provide a public response"},{"Question":"Both accounts on my credit report are misreporting a rolling charge off. Many months if not more than a year. \nXXXX ( Experian ) # XXXX for misreporting a rolling charge offXXXX ( XXXX ) # XXXX, ( Experian ) XXXX XXXX for misreporting a rolling charge off \n","text":"Company chooses not to provide a public response","context":": Both accounts on my credit report are misreporting a rolling charge off. Many months if not more than a year. \nXXXX ( Experian ) # XXXX for misreporting a rolling charge offXXXX ( XXXX ) # XXXX, ( Experian ) XXXX XXXX for misreporting a rolling charge off \n : Company chooses not to provide a public response"},{"Question":"I sent a XXXX wire transfer to XXXX, but in the XXXX bankthey say they only received XXXX XXXX. over XXXX dollars are lost. \nmy bank here says they send it, and the bank there says they only receivedXXXX \n","text":"Company chooses not to provide a public response","context":": I sent a XXXX wire transfer to XXXX, but in the XXXX bankthey say they only received XXXX XXXX. over XXXX dollars are lost. \nmy bank here says they send it, and the bank there says they only receivedXXXX \n : Company chooses not to provide a public response"},{"Question":"Experian does not provide credit report online via annualcreditreport.com. \nI keep getting the message \" we are unable to honor your request '' I am being asked to do this via snail mail! There is no explanation as to why. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian does not provide credit report online via annualcreditreport.com. \nI keep getting the message \" we are unable to honor your request '' I am being asked to do this via snail mail! There is no explanation as to why. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Experian is reporting an item from XXXX as if is under payment plan. This account was included in a chapter XXXX bankruptcy which completed in XXXX on this year. My husband and I were awarded a discharge. \n","text":"Company chooses not to provide a public response","context":": Experian is reporting an item from XXXX as if is under payment plan. This account was included in a chapter XXXX bankruptcy which completed in XXXX on this year. My husband and I were awarded a discharge. \n : Company chooses not to provide a public response"},{"Question":"I have requested proof of how the following accounts were verified : 1. XXXX XXXX XXXX.-Account # : XXXX 2. XXXX XXXX # : XXXX .... \n","text":"Company chooses not to provide a public response","context":": I have requested proof of how the following accounts were verified : 1. XXXX XXXX XXXX.-Account # : XXXX 2. XXXX XXXX # : XXXX .... \n : Company chooses not to provide a public response"},{"Question":"There are XXXX accounts that belong to my son XXXX XXXX XXXX XXXX and I am XXXX XXXX XXXX XXXX. \nXXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70000.00} \n","text":"Company chooses not to provide a public response","context":": There are XXXX accounts that belong to my son XXXX XXXX XXXX XXXX and I am XXXX XXXX XXXX XXXX. \nXXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70000.00} \n : Company chooses not to provide a public response"},{"Question":"I received an adverse action on my utility credit score. I requested the report from Experian and my request was denied, even though I have a letter from the utility company saying that I am entitled to a free report. \n","text":"Company chooses not to provide a public response","context":": I received an adverse action on my utility credit score. I requested the report from Experian and my request was denied, even though I have a letter from the utility company saying that I am entitled to a free report. \n : Company chooses not to provide a public response"},{"Question":"Riamoneytransfer was contracted to provide payment service. \nAfter taking money, they blocked account. Payment was not made nor refunded. \nEmails to company are ignored. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Riamoneytransfer was contracted to provide payment service. \nAfter taking money, they blocked account. Payment was not made nor refunded. \nEmails to company are ignored. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My credit report from Transunion have an account ( # XXXX ) from XXXX XXXX XXXX XXXX that does n't belong to me. I need this account to be removed from my credit report, its affecting my credit score. \n","text":"Company chooses not to provide a public response","context":": My credit report from Transunion have an account ( # XXXX ) from XXXX XXXX XXXX XXXX that does n't belong to me. I need this account to be removed from my credit report, its affecting my credit score. \n : Company chooses not to provide a public response"},{"Question":"COLLECTOR FAILED TO VALIDATE DEBT AND HAS REPEATLY CALLED MY WORK AND CELL NUMBERS IN VIOLATION OF FCRA, FDCPA AND TCPA. \n","text":"Company chooses not to provide a public response","context":": COLLECTOR FAILED TO VALIDATE DEBT AND HAS REPEATLY CALLED MY WORK AND CELL NUMBERS IN VIOLATION OF FCRA, FDCPA AND TCPA. \n : Company chooses not to provide a public response"},{"Question":"Experian is not responding to any of my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Experian is not responding to any of my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"XXXX on my credit report should be deleted \n","text":"Company chooses not to provide a public response","context":": XXXX on my credit report should be deleted \n : Company chooses not to provide a public response"},{"Question":"Received Debt collection from XXXX for which I do not owe any money. Called several times indicating that no money is due to them. However, they continue sending notices. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Received Debt collection from XXXX for which I do not owe any money. Called several times indicating that no money is due to them. However, they continue sending notices. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am enrolled in a HAMP modification. My rate has prematurely increased from 2 to 3 % and I have not received the $ XXXX a year good faith principal reduction. \n","text":"Company chooses not to provide a public response","context":": I am enrolled in a HAMP modification. My rate has prematurely increased from 2 to 3 % and I have not received the $ XXXX a year good faith principal reduction. \n : Company chooses not to provide a public response"},{"Question":"I have never solicites crdito with XXXX for a XXXX auto loan. If this was XXXX On My name it was n't me. Please erase this from My account or credit report. \n","text":"Company chooses not to provide a public response","context":": I have never solicites crdito with XXXX for a XXXX auto loan. If this was XXXX On My name it was n't me. Please erase this from My account or credit report. \n : Company chooses not to provide a public response"},{"Question":"There 's a debt agency calling me everyday 6 times a day. Will not tell me who they represent or leave a voice message. They want me to give all of my info to them before they speak with me. I will not verify my information for a company I do not recognize. \n","text":"Company disputes the facts presented in the complaint","context":": There 's a debt agency calling me everyday 6 times a day. Will not tell me who they represent or leave a voice message. They want me to give all of my info to them before they speak with me. I will not verify my information for a company I do not recognize. \n : Company disputes the facts presented in the complaint"},{"Question":"My credit report is a mixed file. It contains the address, employer, credit accounts and other information of someone in my family with the same\/similar name. \n","text":"Company chooses not to provide a public response","context":": My credit report is a mixed file. It contains the address, employer, credit accounts and other information of someone in my family with the same\/similar name. \n : Company chooses not to provide a public response"},{"Question":"My US BANK home mortgage account is being reported inaccurately to credit reporting agencies and its impacting my loans and credit cards. \n","text":"Company chooses not to provide a public response","context":": My US BANK home mortgage account is being reported inaccurately to credit reporting agencies and its impacting my loans and credit cards. \n : Company chooses not to provide a public response"},{"Question":"Intercepting my taxes without validate the debt. I sent them a written request to prove I owe this money. They did not sent any documents that the money was issue. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Intercepting my taxes without validate the debt. I sent them a written request to prove I owe this money. They did not sent any documents that the money was issue. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Wells Fargo, the owner of the loan, is not allowing loan modifications to occur. XXXX and I qualify for loan modifications based on both XXXX and loss of income. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Wells Fargo, the owner of the loan, is not allowing loan modifications to occur. XXXX and I qualify for loan modifications based on both XXXX and loss of income. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Company did not respond to letter of inquiry concerning improper credit reporting notification. \n","text":"Company chooses not to provide a public response","context":": Company did not respond to letter of inquiry concerning improper credit reporting notification. \n : Company chooses not to provide a public response"},{"Question":"I had a car loan opened XX\/XX\/XXXX with XXXX XXXX and paid off in XX\/XX\/XXXX. I had a excellent payment history with XXXX paid as agreed and never late. I recently check my credit reports online and XXXX XXXX is reporting my old account with various negative remarks. \n","text":"Company chooses not to provide a public response","context":": I had a car loan opened XX\/XX\/XXXX with XXXX XXXX and paid off in XX\/XX\/XXXX. I had a excellent payment history with XXXX paid as agreed and never late. I recently check my credit reports online and XXXX XXXX is reporting my old account with various negative remarks. \n : Company chooses not to provide a public response"},{"Question":"CSD COLLECTIONS IS REPORTING AN ACCOUNT IN COLLECTIONS FOR AN UNDISCLOSED DOLLAR AMOUNT THAT IS NOT ACCURATE. ALL DEBTS HAVE BEEN PAID OFF \n","text":"Company chooses not to provide a public response","context":": CSD COLLECTIONS IS REPORTING AN ACCOUNT IN COLLECTIONS FOR AN UNDISCLOSED DOLLAR AMOUNT THAT IS NOT ACCURATE. ALL DEBTS HAVE BEEN PAID OFF \n : Company chooses not to provide a public response"},{"Question":"I did not receive documents from the original lender, the original would not respond because the account was sold. \nAfter many calls to the collection agency, I then wrote a letter. They refused to supply me with any documentation before I made a payment. \n","text":"Company chooses not to provide a public response","context":": I did not receive documents from the original lender, the original would not respond because the account was sold. \nAfter many calls to the collection agency, I then wrote a letter. They refused to supply me with any documentation before I made a payment. \n : Company chooses not to provide a public response"},{"Question":"Experian would not give me a credit report unless I signed up for their XXXX service. I offered to pay for report but did not want service \n","text":"Company chooses not to provide a public response","context":": Experian would not give me a credit report unless I signed up for their XXXX service. I offered to pay for report but did not want service \n : Company chooses not to provide a public response"},{"Question":"I tried to check my credit score and it says my name and social security number does not match \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I tried to check my credit score and it says my name and social security number does not match \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Account showing as missed payment but account was placed in deferred status. \n","text":"Company chooses not to provide a public response","context":": Account showing as missed payment but account was placed in deferred status. \n : Company chooses not to provide a public response"},{"Question":"Did not Identify themselves, nor give a name, said that it was attempt to collect a debt, called me at work, and said it was for XXXX in which I have not had in 7 or eight years. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Did not Identify themselves, nor give a name, said that it was attempt to collect a debt, called me at work, and said it was for XXXX in which I have not had in 7 or eight years. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX collection agencies collecting the same debt. Collection agency refused to take partial payment \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX collection agencies collecting the same debt. Collection agency refused to take partial payment \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Upon checking my credit report at XXXX, I detected that \" XXXX '' cable\/cellular imposed on me charge on amount {$2300.00}. I state, that, I never used \" XXXX '' services cable\/cellular. It is apparent to me that my identity was compromised by fraudulent activities. \n","text":"Company chooses not to provide a public response","context":": Upon checking my credit report at XXXX, I detected that \" XXXX '' cable\/cellular imposed on me charge on amount {$2300.00}. I state, that, I never used \" XXXX '' services cable\/cellular. It is apparent to me that my identity was compromised by fraudulent activities. \n : Company chooses not to provide a public response"},{"Question":"Debt collector called my minor son and left threatening message regarding a debt I do n't owe. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt collector called my minor son and left threatening message regarding a debt I do n't owe. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX XXXX has placed a collection acct on my credit report that was previously deleted. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX has placed a collection acct on my credit report that was previously deleted. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX can get away with identity theft to alter documents and sell that loan with the altered documents \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX can get away with identity theft to alter documents and sell that loan with the altered documents \n : Company chooses not to provide a public response"},{"Question":"The company is calling harassing me about a loan I know nothing about. They threatened to contact my job \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The company is calling harassing me about a loan I know nothing about. They threatened to contact my job \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Hi, I am not able to get my annual credit report. \n","text":"Company chooses not to provide a public response","context":": Hi, I am not able to get my annual credit report. \n : Company chooses not to provide a public response"},{"Question":"I was unable to receive XXXX of my credit reports \n","text":"Company chooses not to provide a public response","context":": I was unable to receive XXXX of my credit reports \n : Company chooses not to provide a public response"},{"Question":"Citi Bank Thank You Credit Card Raised Interest rates as follows WITHOUT ANY NOTIFICATION XXXX\/XXXX\/XXXX : XXXX XXXX XXXX\/XXXX\/XXXX : XXXX XXXX\/XXXX\/XXXX : XXXX XXXX XXXX : XXXX Without notice or anything via email or mail- They raised the interest on all charges \n","text":"Company chooses not to provide a public response","context":": Citi Bank Thank You Credit Card Raised Interest rates as follows WITHOUT ANY NOTIFICATION XXXX\/XXXX\/XXXX : XXXX XXXX XXXX\/XXXX\/XXXX : XXXX XXXX\/XXXX\/XXXX : XXXX XXXX XXXX : XXXX Without notice or anything via email or mail- They raised the interest on all charges \n : Company chooses not to provide a public response"},{"Question":"I am Not the person they are calling for, there fore I do not respond to the call but they still call me Everyday \n","text":"Company chooses not to provide a public response","context":": I am Not the person they are calling for, there fore I do not respond to the call but they still call me Everyday \n : Company chooses not to provide a public response"},{"Question":"MY CREDIT SCORE WAS XXXX ONE MONTH AGO - IT XXXX TODAY. I CHECK IT EVERY MONTH. NOW NOTHING HAS CHANGED. NO BALANCES HAVE WENT UP. NOTHING HAS BEEN LATE AND NO INQUIRIES. THIS NEEDS TO BE ACCOUNTED FOR ASAP. \n","text":"Company chooses not to provide a public response","context":": MY CREDIT SCORE WAS XXXX ONE MONTH AGO - IT XXXX TODAY. I CHECK IT EVERY MONTH. NOW NOTHING HAS CHANGED. NO BALANCES HAVE WENT UP. NOTHING HAS BEEN LATE AND NO INQUIRIES. THIS NEEDS TO BE ACCOUNTED FOR ASAP. \n : Company chooses not to provide a public response"},{"Question":"This is for an XXXX visit. My insurance sent me notices that the hospital overcharged and to not pay over a particular amount. I have an EOB that says the hospital was paid in full. I have continued to get phone calls from this credit collection agency and now it has hit my credit too. \n","text":"Company chooses not to provide a public response","context":": This is for an XXXX visit. My insurance sent me notices that the hospital overcharged and to not pay over a particular amount. I have an EOB that says the hospital was paid in full. I have continued to get phone calls from this credit collection agency and now it has hit my credit too. \n : Company chooses not to provide a public response"},{"Question":"XXXX department mistakenly filed a tax lien against me. I contacted them and they sent me a letter to send to XXXX, XXXX and Transunion credit bureaus telling them it was okay to delete the entry. XXXX deleted the entry about the tax lien, XXXX has not, saying its a legitimate debt. \n","text":"Company chooses not to provide a public response","context":": XXXX department mistakenly filed a tax lien against me. I contacted them and they sent me a letter to send to XXXX, XXXX and Transunion credit bureaus telling them it was okay to delete the entry. XXXX deleted the entry about the tax lien, XXXX has not, saying its a legitimate debt. \n : Company chooses not to provide a public response"},{"Question":"My social security number was stolen to open accounts in my name. The account from Enhanced Recovery resulted from ID Theft. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My social security number was stolen to open accounts in my name. The account from Enhanced Recovery resulted from ID Theft. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"On XXXX XXXX, 2016, I mailed a letter to Firstsource Advantage requesting how to contact me. I informed them in writing to only contact me by mail. The letter was received by them on XXXX XXXX, 2016. Today, XXXX XXXX, 2016, they called my mobile phone number at XXXX. \n","text":"Company believes complaint is the result of an isolated error","context":": On XXXX XXXX, 2016, I mailed a letter to Firstsource Advantage requesting how to contact me. I informed them in writing to only contact me by mail. The letter was received by them on XXXX XXXX, 2016. Today, XXXX XXXX, 2016, they called my mobile phone number at XXXX. \n : Company believes complaint is the result of an isolated error"},{"Question":"I was told that late payments would be removed ; however it was n't, I paid bill in full. I never got a late payment notice till it was to late. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I was told that late payments would be removed ; however it was n't, I paid bill in full. I never got a late payment notice till it was to late. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Harassing calls and bringing up the past credit one bank with XXXX credit monitoring \n","text":"Company chooses not to provide a public response","context":": Harassing calls and bringing up the past credit one bank with XXXX credit monitoring \n : Company chooses not to provide a public response"},{"Question":"I WANT TO SEE HOW AND WHEN I ASKED FOR FREE CREDIT REPORTS FOR EACH AGENCY ON THE ANNUAL FREE CREIDT REPORT WEBSITE. I DO N'T BELIEVE I HAVE CONTACTED XXXX AND RECEIVED XXXX REPORTS WITHIN A YEAR 'S TIME. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I WANT TO SEE HOW AND WHEN I ASKED FOR FREE CREDIT REPORTS FOR EACH AGENCY ON THE ANNUAL FREE CREIDT REPORT WEBSITE. I DO N'T BELIEVE I HAVE CONTACTED XXXX AND RECEIVED XXXX REPORTS WITHIN A YEAR 'S TIME. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I was able to get my report from transunion but when I returned minutes later to get the reports from the other XXXX agencies it said it timed out and that I could n't get either one online. \n","text":"Company chooses not to provide a public response","context":": I was able to get my report from transunion but when I returned minutes later to get the reports from the other XXXX agencies it said it timed out and that I could n't get either one online. \n : Company chooses not to provide a public response"},{"Question":"I have disputed several times with XXXX and United Revenue Corporation. This account does not belong to me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have disputed several times with XXXX and United Revenue Corporation. This account does not belong to me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I signed up to dispute my accounts but after multiple attempts Experian 's website just keeps sending you to a page to pat more and it 's to mail in for a report vs dispute what you have online. The phone numbers do n't allow you dispute anything. \n","text":"Company chooses not to provide a public response","context":": I signed up to dispute my accounts but after multiple attempts Experian 's website just keeps sending you to a page to pat more and it 's to mail in for a report vs dispute what you have online. The phone numbers do n't allow you dispute anything. \n : Company chooses not to provide a public response"},{"Question":"My credit is suffering because it says I have not paid back a student debt, but I did in fact just pay it. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": My credit is suffering because it says I have not paid back a student debt, but I did in fact just pay it. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Experian and XXXX refuse to take a bad credit line off while XXXX XXXX did. The trade line is XXXX Bank. This is over 7 years old and needs to come off. My disputes with them have not resulted in any action. \n","text":"Company chooses not to provide a public response","context":": Experian and XXXX refuse to take a bad credit line off while XXXX XXXX did. The trade line is XXXX Bank. This is over 7 years old and needs to come off. My disputes with them have not resulted in any action. \n : Company chooses not to provide a public response"},{"Question":"I have sent Experian numerous requests asking them to please investigate and correct some accounts in my credit report that are reporting incorrectly and they are not responding. \n","text":"Company chooses not to provide a public response","context":": I have sent Experian numerous requests asking them to please investigate and correct some accounts in my credit report that are reporting incorrectly and they are not responding. \n : Company chooses not to provide a public response"},{"Question":"I sent a letter to first credit services not to contact me by phone. I 'm still being harrassed to this date with threating and other tactics \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I sent a letter to first credit services not to contact me by phone. I 'm still being harrassed to this date with threating and other tactics \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"EXPERIAN HAS NOT UPDATED MY FIRST PREMIER ACCOUNT TO THE STATUS OF PAID COLLECTION OR PAID CHARGE OFF. I AM WORKING HARD TO RESTORE MY CREDIT AND NEED THIS INFORMATION UPDATED IMMEDIATELY! \n","text":"Company chooses not to provide a public response","context":": EXPERIAN HAS NOT UPDATED MY FIRST PREMIER ACCOUNT TO THE STATUS OF PAID COLLECTION OR PAID CHARGE OFF. I AM WORKING HARD TO RESTORE MY CREDIT AND NEED THIS INFORMATION UPDATED IMMEDIATELY! \n : Company chooses not to provide a public response"},{"Question":"Ditech calls repeatedly on my home phone and our cells, even though we have repeatedly asked them NOT to contact us via phone. We are not behind on our mortgage payments. I am tired of the daily harassment! \n","text":"Company believes complaint is the result of an isolated error","context":": Ditech calls repeatedly on my home phone and our cells, even though we have repeatedly asked them NOT to contact us via phone. We are not behind on our mortgage payments. I am tired of the daily harassment! \n : Company believes complaint is the result of an isolated error"},{"Question":"On or around XXXX XXXX, XXXX, I received a XXXX ( Cancellation of Debt ) from SPS Mortgage. The date of identifiable event is XXXX\/XXXX\/XXXX. SPS Mortgage continued to collect mortgage payments before and after the identifiable event date. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": On or around XXXX XXXX, XXXX, I received a XXXX ( Cancellation of Debt ) from SPS Mortgage. The date of identifiable event is XXXX\/XXXX\/XXXX. SPS Mortgage continued to collect mortgage payments before and after the identifiable event date. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This was already paid by my insurance company and it 's still on my report. \n","text":"Company can't verify or dispute the facts in the complaint","context":": This was already paid by my insurance company and it 's still on my report. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Incorrectly charged a fee when making an ATM withdrawal \n","text":"Company chooses not to provide a public response","context":": Incorrectly charged a fee when making an ATM withdrawal \n : Company chooses not to provide a public response"},{"Question":"BARCLAYS BANK XXXX, DE XXXX ( XXXX ) XXXXXXXXwas not authorized to pull my credit. I would like this deleted from my hard credit. It is helping to pull my score down. Thank you. \n","text":"Company chooses not to provide a public response","context":": BARCLAYS BANK XXXX, DE XXXX ( XXXX ) XXXXXXXXwas not authorized to pull my credit. I would like this deleted from my hard credit. It is helping to pull my score down. Thank you. \n : Company chooses not to provide a public response"},{"Question":"I wish to add the attached document to complaint XXXX. As you can see, the cash advance balance was explicitly paid off on XXXX\/XXXX\/15. \n","text":"Company chooses not to provide a public response","context":": I wish to add the attached document to complaint XXXX. As you can see, the cash advance balance was explicitly paid off on XXXX\/XXXX\/15. \n : Company chooses not to provide a public response"},{"Question":"I received a credit offer from Seventh Avenue. I got behind on my payments and I faxed them a letter and mailed them a letter on the XXXX\/XXXX\/2015 requesting a repayment plan. As of today I have not received a letter from them. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received a credit offer from Seventh Avenue. I got behind on my payments and I faxed them a letter and mailed them a letter on the XXXX\/XXXX\/2015 requesting a repayment plan. As of today I have not received a letter from them. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received a call at XXXX from Bank of America a voicemail was left about my account being locked and I am not a Bank of America customer. \n","text":"Company chooses not to provide a public response","context":": I received a call at XXXX from Bank of America a voicemail was left about my account being locked and I am not a Bank of America customer. \n : Company chooses not to provide a public response"},{"Question":"Debt was paid in full yet Professional Placement services has left it \" OPEN '' on my credit report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt was paid in full yet Professional Placement services has left it \" OPEN '' on my credit report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I get constant calls from ERC ( XXXX ). We owe no debt aside from home mortgage ( which is paid on time ). ERC calls are on a daily or weekly basis. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I get constant calls from ERC ( XXXX ). We owe no debt aside from home mortgage ( which is paid on time ). ERC calls are on a daily or weekly basis. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The Statute Limitation on this account has passed. \n","text":"Company chooses not to provide a public response","context":": The Statute Limitation on this account has passed. \n : Company chooses not to provide a public response"},{"Question":"I submitted my claim as -borrower with XXXX XXXX he received a settlement I have not. I am XXXX XXXX I need to know why I did not receive a payment also? \n","text":"Company chooses not to provide a public response","context":": I submitted my claim as -borrower with XXXX XXXX he received a settlement I have not. I am XXXX XXXX I need to know why I did not receive a payment also? \n : Company chooses not to provide a public response"},{"Question":"Experian is not responding to my requests to investigate and remove the accounts from my credit report that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Experian is not responding to my requests to investigate and remove the accounts from my credit report that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"I FELL BEHIND IN MY MORTGAGE DUE TO UNEMPLOYMENT AND I HAVE TRIED TO GET HELP BUT THE BANK HAS DENIED MY REQUEST MULTIPLE TIMES WITH OUT ANY REASON \n","text":"Company chooses not to provide a public response","context":": I FELL BEHIND IN MY MORTGAGE DUE TO UNEMPLOYMENT AND I HAVE TRIED TO GET HELP BUT THE BANK HAS DENIED MY REQUEST MULTIPLE TIMES WITH OUT ANY REASON \n : Company chooses not to provide a public response"},{"Question":"I have a Barclaycard Arrival credit card. The account was closed by the bank and the department responsible for closing my account refuses to take my phone call to explain to me why the account was closed. They are keeping over {$400.00} worth of points I have earned. \n","text":"Company chooses not to provide a public response","context":": I have a Barclaycard Arrival credit card. The account was closed by the bank and the department responsible for closing my account refuses to take my phone call to explain to me why the account was closed. They are keeping over {$400.00} worth of points I have earned. \n : Company chooses not to provide a public response"},{"Question":"I have a unauthorized charged on my macys American express card1.XX\/XX\/XXXX macys at XXXX XXXX in amount of $ XXXX.XX\/XX\/XXXX macys at XXXX in amount of $ XXXX.XX\/XX\/XXXX macys at XXXX in amount of $ XXXXtotal amount of XXXX un authorized charge \n","text":"Company chooses not to provide a public response","context":": I have a unauthorized charged on my macys American express card1.XX\/XX\/XXXX macys at XXXX XXXX in amount of $ XXXX.XX\/XX\/XXXX macys at XXXX in amount of $ XXXX.XX\/XX\/XXXX macys at XXXX in amount of $ XXXXtotal amount of XXXX un authorized charge \n : Company chooses not to provide a public response"},{"Question":"On XXXX I sent notice to Barclay Cards informing them not to withdraw from my bank account because it is in a debt management program. on XXXX an authorized amount of XXXX was deducted and I have not been able to resolve this with them despite calls, emails \n","text":"Company chooses not to provide a public response","context":": On XXXX I sent notice to Barclay Cards informing them not to withdraw from my bank account because it is in a debt management program. on XXXX an authorized amount of XXXX was deducted and I have not been able to resolve this with them despite calls, emails \n : Company chooses not to provide a public response"},{"Question":"Ditech Mortgage is calling my work number and my cell phone number at least XXXX times a day, and hanging up ( my current payment is within the 15 day grace period allowed ). \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Ditech Mortgage is calling my work number and my cell phone number at least XXXX times a day, and hanging up ( my current payment is within the 15 day grace period allowed ). \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"citi will not refund credit due me. \n","text":"Company chooses not to provide a public response","context":": citi will not refund credit due me. \n : Company chooses not to provide a public response"},{"Question":"I have a judgement against my ex husband on XXXX bills that still show on my credit score. How can I get this off my credit score and on his??? \n","text":"Company chooses not to provide a public response","context":": I have a judgement against my ex husband on XXXX bills that still show on my credit score. How can I get this off my credit score and on his??? \n : Company chooses not to provide a public response"},{"Question":"The credit bureau is reporting me as deceased. When i tried to go and dispute it, I answered the questions wrong. They asked about a mortgage I did n't even have. The rest of the questions I answered were correct. I am now locked out. \n","text":"Company chooses not to provide a public response","context":": The credit bureau is reporting me as deceased. When i tried to go and dispute it, I answered the questions wrong. They asked about a mortgage I did n't even have. The rest of the questions I answered were correct. I am now locked out. \n : Company chooses not to provide a public response"},{"Question":"This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I did not authorize these company 's to pull my credit. These inquiries were not made by me. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I did not authorize these company 's to pull my credit. These inquiries were not made by me. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I have sent Trans Union requests to investigate and remove unauthorized inquiries from my credit report\/file that were not initiated by me and they are not responding. \n","text":"Company chooses not to provide a public response","context":": I have sent Trans Union requests to investigate and remove unauthorized inquiries from my credit report\/file that were not initiated by me and they are not responding. \n : Company chooses not to provide a public response"},{"Question":"I have sent Trans Union numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": I have sent Trans Union numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"My mother is somehow added to my Credit Account. Shes lowering my credit score. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": My mother is somehow added to my Credit Account. Shes lowering my credit score. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"This bill was already paid by my insurance companies \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": This bill was already paid by my insurance companies \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"American Accounts Advisors had previous removed this account in 2014. It 's showing up again. Its not my account. I never signed anything with XXXX XXXX. Never needed their service never opened an account. This is now turned to collection harassment! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": American Accounts Advisors had previous removed this account in 2014. It 's showing up again. Its not my account. I never signed anything with XXXX XXXX. Never needed their service never opened an account. This is now turned to collection harassment! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"We have done everything that Us Bank has asked us to do and they still will not work with us. We have hired an Attorney and a Meditation Consultant. \n","text":"Company chooses not to provide a public response","context":": We have done everything that Us Bank has asked us to do and they still will not work with us. We have hired an Attorney and a Meditation Consultant. \n : Company chooses not to provide a public response"},{"Question":"This a collection notice for medical for a work comp accident. This is an illegal collection attempt under the work comp laws of Texas. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This a collection notice for medical for a work comp accident. This is an illegal collection attempt under the work comp laws of Texas. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The account is over the Statutes of Limitations and I have a bad credit because of this account. It is with XXXX XXXX XXXX. \n","text":"Company chooses not to provide a public response","context":": The account is over the Statutes of Limitations and I have a bad credit because of this account. It is with XXXX XXXX XXXX. \n : Company chooses not to provide a public response"},{"Question":"Year end summary provided by citi shows balance of {$2800.00} on citi thank you card ending in XXXX. Please investigate as your balance shows an excess of XXXX. \n","text":"Company chooses not to provide a public response","context":": Year end summary provided by citi shows balance of {$2800.00} on citi thank you card ending in XXXX. Please investigate as your balance shows an excess of XXXX. \n : Company chooses not to provide a public response"},{"Question":"This is a gym membership that I cancelled within the time limits and they are reporting that I owe them money and are reporting me negatively. This is from 2006 and it was closed. They are reporting on Transunion. \n","text":"Company chooses not to provide a public response","context":": This is a gym membership that I cancelled within the time limits and they are reporting that I owe them money and are reporting me negatively. This is from 2006 and it was closed. They are reporting on Transunion. \n : Company chooses not to provide a public response"},{"Question":"my social security its wrong \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": my social security its wrong \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have sent Experian numerous requests to investigate, verify and remove accounts from my credit report and they are not responding. \n","text":"Company chooses not to provide a public response","context":": I have sent Experian numerous requests to investigate, verify and remove accounts from my credit report and they are not responding. \n : Company chooses not to provide a public response"},{"Question":"I received a credit card I had not applied for and a bill for purchases on that card that I did not make. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I received a credit card I had not applied for and a bill for purchases on that card that I did not make. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"The Collection Agency has no right to contact me. They are not licensees of the State of Maine. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The Collection Agency has no right to contact me. They are not licensees of the State of Maine. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"An account was placed on my XXXX credit report without notice or verification the debt\/account was mine. No phone call contact or written notices were received. Aargon Agency has an account number of XXXX. I have no knowledge of this account. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": An account was placed on my XXXX credit report without notice or verification the debt\/account was mine. No phone call contact or written notices were received. Aargon Agency has an account number of XXXX. I have no knowledge of this account. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Bank of america is referring me to XXXX and I never had an account with them \n","text":"Company chooses not to provide a public response","context":": Bank of america is referring me to XXXX and I never had an account with them \n : Company chooses not to provide a public response"},{"Question":"I 've already filed a complaint with you against Regional Acceptance Corp of North Carolina. All I want to do is lower my monthly payments to {$250.00}. a month or less. They tell me they ca n't do it. \n","text":"Company chooses not to provide a public response","context":": I 've already filed a complaint with you against Regional Acceptance Corp of North Carolina. All I want to do is lower my monthly payments to {$250.00}. a month or less. They tell me they ca n't do it. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX keeps submitting a charge that i do not owe, nor can they provide any information on the charge of {$170.00}. Every time I ask for debt validation, it is moved to yet another collection agency. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX XXXX XXXX keeps submitting a charge that i do not owe, nor can they provide any information on the charge of {$170.00}. Every time I ask for debt validation, it is moved to yet another collection agency. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX is more than 7 years old and was supposed to be removed from my credit report. someone must have shared or bought some information because that debt should have been removed and it was not. \n","text":"Company chooses not to provide a public response","context":": XXXX is more than 7 years old and was supposed to be removed from my credit report. someone must have shared or bought some information because that debt should have been removed and it was not. \n : Company chooses not to provide a public response"},{"Question":"I have several accounts on my credit file that are reported inaccurately. I reached out to the credit reporting agencies and have n't seen any change or updated from my original disputes. \n","text":"Company chooses not to provide a public response","context":": I have several accounts on my credit file that are reported inaccurately. I reached out to the credit reporting agencies and have n't seen any change or updated from my original disputes. \n : Company chooses not to provide a public response"},{"Question":"Phoenix Financial Services is reporting a debt on my credit report for {$740.00}, I was not given notice of a debt collection until I recently pulled my credit report. \nThey have also reported a different debt that I have been disputing for a long time with no resolution. \n","text":"Company disputes the facts presented in the complaint","context":": Phoenix Financial Services is reporting a debt on my credit report for {$740.00}, I was not given notice of a debt collection until I recently pulled my credit report. \nThey have also reported a different debt that I have been disputing for a long time with no resolution. \n : Company disputes the facts presented in the complaint"},{"Question":"I was directed to this site to request a file disclosure from each nationwide credit bureaus and from nationwide specialty consumer reporting agencies. My files contain inaccurate information and I am exercising my right to this request. \n","text":"Company chooses not to provide a public response","context":": I was directed to this site to request a file disclosure from each nationwide credit bureaus and from nationwide specialty consumer reporting agencies. My files contain inaccurate information and I am exercising my right to this request. \n : Company chooses not to provide a public response"},{"Question":"I have never had a account with a company called XXXX. I have told them this on many occasions and they continue to say that I owe this debt. \n","text":"Company chooses not to provide a public response","context":": I have never had a account with a company called XXXX. I have told them this on many occasions and they continue to say that I owe this debt. \n : Company chooses not to provide a public response"},{"Question":"I think someone in family used my identity to create this false account.. I have no knowledge of this account and, or agreement.. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I think someone in family used my identity to create this false account.. I have no knowledge of this account and, or agreement.. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I moved in 2014 & changed health insurance plans, was not forwarded or contacted by company about debt & have not been given any verification regarding debts I was informed insurance had covered \n","text":"Company can't verify or dispute the facts in the complaint","context":": I moved in 2014 & changed health insurance plans, was not forwarded or contacted by company about debt & have not been given any verification regarding debts I was informed insurance had covered \n : Company can't verify or dispute the facts in the complaint"},{"Question":"There is an apartment in my name but I have never lived there. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": There is an apartment in my name but I have never lived there. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"The debt was removed due to Identity theft with XXXX XXXX. XXXX XXXX sold the debt to JH Portfolio Debt Equi. My social security number was stolen when I was homeless and XXXX. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The debt was removed due to Identity theft with XXXX XXXX. XXXX XXXX sold the debt to JH Portfolio Debt Equi. My social security number was stolen when I was homeless and XXXX. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"keeps putting hard inquries on my credit report \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": keeps putting hard inquries on my credit report \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I scheduled automated monthly payments for my Dillard 's account. The payment were never processed and several late fees were added to my account. \n","text":"Company chooses not to provide a public response","context":": I scheduled automated monthly payments for my Dillard 's account. The payment were never processed and several late fees were added to my account. \n : Company chooses not to provide a public response"},{"Question":"I received a fraudulent charge of {$2.00} on a Macy 's credit two months AFTER canceling the credit card. I tried calling the customer service for hours on end. Could not get a live person. I tried every number, every extension possible. \n","text":"Company chooses not to provide a public response","context":": I received a fraudulent charge of {$2.00} on a Macy 's credit two months AFTER canceling the credit card. I tried calling the customer service for hours on end. Could not get a live person. I tried every number, every extension possible. \n : Company chooses not to provide a public response"},{"Question":"this account somehow was opened up in my name is fraudulent and opened as a result of my identity being stolen i have gone through alot tryying to get this straightned out i have filed police report and notarized id theft affdiavit concerning this with the ftc \n","text":"Company chooses not to provide a public response","context":": this account somehow was opened up in my name is fraudulent and opened as a result of my identity being stolen i have gone through alot tryying to get this straightned out i have filed police report and notarized id theft affdiavit concerning this with the ftc \n : Company chooses not to provide a public response"},{"Question":"The website stopped responding and now I can not get my credit reports. The site says I already got them which is not the case. \n","text":"Company chooses not to provide a public response","context":": The website stopped responding and now I can not get my credit reports. The site says I already got them which is not the case. \n : Company chooses not to provide a public response"},{"Question":"A collection account with XXXX XXXX XXXX XXXX, account number XXXX was previously deleted from my credit report now and readded. They are reporting an open date of XX\/XX\/2014 which is not true and a balance of {$70.00}. \n","text":"Company chooses not to provide a public response","context":": A collection account with XXXX XXXX XXXX XXXX, account number XXXX was previously deleted from my credit report now and readded. They are reporting an open date of XX\/XX\/2014 which is not true and a balance of {$70.00}. \n : Company chooses not to provide a public response"},{"Question":"My interest rate sporadically increased from 10.99 % to 11.24 % without any notice from bank of america. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My interest rate sporadically increased from 10.99 % to 11.24 % without any notice from bank of america. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I tried to get my free credit report online. I was unable to do so. I fear someone is using my credit. \n","text":"Company chooses not to provide a public response","context":": I tried to get my free credit report online. I was unable to do so. I fear someone is using my credit. \n : Company chooses not to provide a public response"},{"Question":"I have been trying to recieve a loan modification from Bank of America and feel my case has not been reviewed correctly.Myself and my lawyer have sent in all items asked of us in the proper time frame and still have had no response. \n","text":"Company chooses not to provide a public response","context":": I have been trying to recieve a loan modification from Bank of America and feel my case has not been reviewed correctly.Myself and my lawyer have sent in all items asked of us in the proper time frame and still have had no response. \n : Company chooses not to provide a public response"},{"Question":"rec in the mail offer 6.29 apr, if approved, was approve but came back 11.5 apr their adv is misleading \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": rec in the mail offer 6.29 apr, if approved, was approve but came back 11.5 apr their adv is misleading \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am trying to re access my free credit report so that I can print a hard copy. I ran out of ink the first time and was unable to print out on the spot. Please guide me through where i need to go to put in my report # and report date. \n","text":"Company chooses not to provide a public response","context":": I am trying to re access my free credit report so that I can print a hard copy. I ran out of ink the first time and was unable to print out on the spot. Please guide me through where i need to go to put in my report # and report date. \n : Company chooses not to provide a public response"},{"Question":"I am a reference for my god daughter. Great Lakes 1st called and tried to get information about her because of an \" emergency ''. Now I have a letter that offers me condolences because they have information that she died. These are obscene methods to collect \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am a reference for my god daughter. Great Lakes 1st called and tried to get information about her because of an \" emergency ''. Now I have a letter that offers me condolences because they have information that she died. These are obscene methods to collect \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert fro my credit profile \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert fro my credit profile \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have never been In Kansas, Oklahoma ; I was born in XX\/XX\/XXXX, not XX\/XX\/XXXX, I have never had any business name \" XXXX ''. \n","text":"Company chooses not to provide a public response","context":": I have never been In Kansas, Oklahoma ; I was born in XX\/XX\/XXXX, not XX\/XX\/XXXX, I have never had any business name \" XXXX ''. \n : Company chooses not to provide a public response"},{"Question":"Can not access my own annual credit report, as well as questions prior to checking my credit report, the XXXX questions to verify my identity were answered all none of the above referring to prior loans never opened by me. Victim of identity theft and fraudulent activity \n","text":"Company chooses not to provide a public response","context":": Can not access my own annual credit report, as well as questions prior to checking my credit report, the XXXX questions to verify my identity were answered all none of the above referring to prior loans never opened by me. Victim of identity theft and fraudulent activity \n : Company chooses not to provide a public response"},{"Question":"Experian is ignoring my requests to investigate and remove accounts from my credit report that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Experian is ignoring my requests to investigate and remove accounts from my credit report that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"I borrowed {$300.00}, for 1 month and paid {$190.00} for interest which is outrageous. And made payments every 2 weeks. This is the highest I have paid. This company needs some checking into. It is the Cash Store. \n","text":"Company chooses not to provide a public response","context":": I borrowed {$300.00}, for 1 month and paid {$190.00} for interest which is outrageous. And made payments every 2 weeks. This is the highest I have paid. This company needs some checking into. It is the Cash Store. \n : Company chooses not to provide a public response"},{"Question":"Kays jewlers misplacsed XXXX dollars in payments the payments were made in store. Never applied to the account. They are now contacting friends and family members not even on the account trying to collect payment for funds they misplaced \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Kays jewlers misplacsed XXXX dollars in payments the payments were made in store. Never applied to the account. They are now contacting friends and family members not even on the account trying to collect payment for funds they misplaced \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My credit report shows I took out a mortgage loan in XXXX, but I did n't I have never applied for a mortgage loan and do not have one. Also it says I filed bankruptcy in XXXX when in fact it was XXXX. Please help. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": My credit report shows I took out a mortgage loan in XXXX, but I did n't I have never applied for a mortgage loan and do not have one. Also it says I filed bankruptcy in XXXX when in fact it was XXXX. Please help. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"XXXX agreed to remove this debt from my record. This should never have been sent to collections in the first place. It was a case of overbilling. I have paid my XXXX bills in full to them. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX agreed to remove this debt from my record. This should never have been sent to collections in the first place. It was a case of overbilling. I have paid my XXXX bills in full to them. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Regions Mortgage is reported wage earner on credit report. The loan is being paid outside of the chapter XXXX. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Regions Mortgage is reported wage earner on credit report. The loan is being paid outside of the chapter XXXX. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"They need to prove that this is my debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They need to prove that this is my debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Force-able collections and predatory lending. Wells Fargo completed set-off on XXXX of my accounts well before any last resort action or fair practices were taken. \n","text":"Company chooses not to provide a public response","context":": Force-able collections and predatory lending. Wells Fargo completed set-off on XXXX of my accounts well before any last resort action or fair practices were taken. \n : Company chooses not to provide a public response"},{"Question":"Allied Interstate has called my place of employment and harassed people I work with while disclosing that I have undpaid debt to people I work with that is not myself. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Allied Interstate has called my place of employment and harassed people I work with while disclosing that I have undpaid debt to people I work with that is not myself. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have never once received a bill from XXXX XXXX XXXX XXXX XXXX. I was unaware of this bill and do n't believe that it is mine. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I have never once received a bill from XXXX XXXX XXXX XXXX XXXX. I was unaware of this bill and do n't believe that it is mine. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"this is not mine \n","text":"Company can't verify or dispute the facts in the complaint","context":": this is not mine \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Each time I put in who I am I can never get my score \n","text":"Company can't verify or dispute the facts in the complaint","context":": Each time I put in who I am I can never get my score \n : Company can't verify or dispute the facts in the complaint"},{"Question":"RCS Recovery Services LLC is reporting an account that is past the FCRA retention time associated with the account. \n","text":"Company chooses not to provide a public response","context":": RCS Recovery Services LLC is reporting an account that is past the FCRA retention time associated with the account. \n : Company chooses not to provide a public response"},{"Question":"Debt Collector has placed a charge off onto my credit file and I have made several phone calls and message to this company and this company has not returned any of my phone calls. \n","text":"Company chooses not to provide a public response","context":": Debt Collector has placed a charge off onto my credit file and I have made several phone calls and message to this company and this company has not returned any of my phone calls. \n : Company chooses not to provide a public response"},{"Question":"CCSOffices.com, they ask for my husband. They give me no information. XXXX and I have racked our brains trying to find the debt. We do not have any debts in collections. I googled them, they have an impressive list of complaints as : Zombie Debt Collectors. \n","text":"Company can't verify or dispute the facts in the complaint","context":": CCSOffices.com, they ask for my husband. They give me no information. XXXX and I have racked our brains trying to find the debt. We do not have any debts in collections. I googled them, they have an impressive list of complaints as : Zombie Debt Collectors. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"DEBT WAS SOLD AND COLLECTION agency SETTLED DEBT AND NOW MACY 'S NOT REMOVING DEBT AND STATING THEY HAVE NO INTEREST IN ACCOUNT, BUT STILL NOT REMOVING AND OR NOT TALKING TO ME. DEBT ALSO WAS LIST AS IDENTITY THIEFT \n","text":"Company chooses not to provide a public response","context":": DEBT WAS SOLD AND COLLECTION agency SETTLED DEBT AND NOW MACY 'S NOT REMOVING DEBT AND STATING THEY HAVE NO INTEREST IN ACCOUNT, BUT STILL NOT REMOVING AND OR NOT TALKING TO ME. DEBT ALSO WAS LIST AS IDENTITY THIEFT \n : Company chooses not to provide a public response"},{"Question":"There is an account that is past the statute of limitations and still listed on my credit file. University XXXX \n","text":"Company chooses not to provide a public response","context":": There is an account that is past the statute of limitations and still listed on my credit file. University XXXX \n : Company chooses not to provide a public response"},{"Question":"I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I never received a notice of intent to collect on this debt so i do n't know what it is for. I discovered it on my credit and i have reached out to the complaint on several occasions and i have yet to hear back from them \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I never received a notice of intent to collect on this debt so i do n't know what it is for. I discovered it on my credit and i have reached out to the complaint on several occasions and i have yet to hear back from them \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"This company name XXXX XXXX XXXX has reported that I owe {$80.00} to them. This information is inaccurate because I never received a parking ticket with the city of XXXX. \n","text":"Company chooses not to provide a public response","context":": This company name XXXX XXXX XXXX has reported that I owe {$80.00} to them. This information is inaccurate because I never received a parking ticket with the city of XXXX. \n : Company chooses not to provide a public response"},{"Question":"name on my report is wrong, i have accounts on my report that are not mine : XXXX Name identification number : address : XXXX XXXX XXXX XXXX, FL XXXX Address identification number : XXXX Type of Residence : XXXX Geographical Code : XXXX \n","text":"Company chooses not to provide a public response","context":": name on my report is wrong, i have accounts on my report that are not mine : XXXX Name identification number : address : XXXX XXXX XXXX XXXX, FL XXXX Address identification number : XXXX Type of Residence : XXXX Geographical Code : XXXX \n : Company chooses not to provide a public response"},{"Question":"In 2000 I cosigned a loan and the borrower has not paid the latest installment. I wish to pay off this loan but Wells Fargo Education Financial Services is giving me a difficult time about paying off this loan. \n","text":"Company chooses not to provide a public response","context":": In 2000 I cosigned a loan and the borrower has not paid the latest installment. I wish to pay off this loan but Wells Fargo Education Financial Services is giving me a difficult time about paying off this loan. \n : Company chooses not to provide a public response"},{"Question":"I have received XXXX denial letters for store credit cards that I did not apply for. The XXXX letter was for a Best Buy credit card and the XXXX Sears. \n","text":"Company chooses not to provide a public response","context":": I have received XXXX denial letters for store credit cards that I did not apply for. The XXXX letter was for a Best Buy credit card and the XXXX Sears. \n : Company chooses not to provide a public response"},{"Question":"Focus Receivables Management calls every day and often more than once. I have asked them several times to please send me proof of the original debt, they deny this being available and continue to call. \n","text":"Company can't verify or dispute the facts in the complaint","context":": Focus Receivables Management calls every day and often more than once. I have asked them several times to please send me proof of the original debt, they deny this being available and continue to call. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I was told by Medical Business Bureau that once I paid this account in full and not a settlement it would be deleted from my credit report. Instead of deleting it, they still listed it on my credit report as paid. My maiden name was XXXX XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was told by Medical Business Bureau that once I paid this account in full and not a settlement it would be deleted from my credit report. Instead of deleting it, they still listed it on my credit report as paid. My maiden name was XXXX XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I would like for this company to remove debt from my credit file due to me having this same company as my auto insurance carrier. \n","text":"Company chooses not to provide a public response","context":": I would like for this company to remove debt from my credit file due to me having this same company as my auto insurance carrier. \n : Company chooses not to provide a public response"},{"Question":"I was advised if I paid this debt this company IQ Data would remove it off of my credit file, that has not happened I have addressed it several times with the credit agencies and nothing transpired \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was advised if I paid this debt this company IQ Data would remove it off of my credit file, that has not happened I have addressed it several times with the credit agencies and nothing transpired \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The credit repair firm unauthorized my debit account XXXX times for {$13.00}. The initial amount to be debited from the account for the credit report fee was suppose to be only {$12.00} \n","text":"Company chooses not to provide a public response","context":": The credit repair firm unauthorized my debit account XXXX times for {$13.00}. The initial amount to be debited from the account for the credit report fee was suppose to be only {$12.00} \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX i have asked for a payment history over 60 days ago and i believe the late payments reported are incorrect. XXXX 2012, XXXX 2012, XXXX 2012, XXXX 2012 and XXXX 2012. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX i have asked for a payment history over 60 days ago and i believe the late payments reported are incorrect. XXXX 2012, XXXX 2012, XXXX 2012, XXXX 2012 and XXXX 2012. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I was charged a $ XXXX monthly fee on my checking account. The first month it happened I called Wells Fargo Bank. They refused to reverse the fee. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I was charged a $ XXXX monthly fee on my checking account. The first month it happened I called Wells Fargo Bank. They refused to reverse the fee. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Never ever have I had XXXX in my name \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Never ever have I had XXXX in my name \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Judgment was settled and dismissed ..never should have been placed on credit report \n","text":"Company chooses not to provide a public response","context":": Judgment was settled and dismissed ..never should have been placed on credit report \n : Company chooses not to provide a public response"},{"Question":"The XXXX, TX address they keep showing on my personal information is not my address and Has never been. That address belongs to XXXX XXXX XXXX which is my daughter. \nPlease have it removed. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The XXXX, TX address they keep showing on my personal information is not my address and Has never been. That address belongs to XXXX XXXX XXXX which is my daughter. \nPlease have it removed. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"my client needs help getting the payoff on her 1st mortgage. the loan is delinquent and is part of a short sale and we can not get the lender to provide us payoff figures so we can get the sale closed \n","text":"Company chooses not to provide a public response","context":": my client needs help getting the payoff on her 1st mortgage. the loan is delinquent and is part of a short sale and we can not get the lender to provide us payoff figures so we can get the sale closed \n : Company chooses not to provide a public response"},{"Question":"Master card, Barclay 's, charged me an annual fee, then interest, then late payments BEFORE I opened the envelope, before the card was activated!!! \n","text":"Company chooses not to provide a public response","context":": Master card, Barclay 's, charged me an annual fee, then interest, then late payments BEFORE I opened the envelope, before the card was activated!!! \n : Company chooses not to provide a public response"},{"Question":"Transunion reports the wrong SS # on the credit report and it is keeping me from getting a mortgage as well as hurting my credit. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Transunion reports the wrong SS # on the credit report and it is keeping me from getting a mortgage as well as hurting my credit. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"THIS COMPANY HAS CALLED MY WORK PHONE AFTER I TOLD THEM TO STOP CALLING, THEY ASKED TO SPEAK TO PEOPLE SITTING NEXT TO ME THEY ASKED THE RECEPTIONIST TO PAGE ME AND KEPT ASKING FOR A CELL PHONE NUMBER AT MY PLACE OF EMPLOYMENT. THEY CALLED MY CELL PHONE 13 TIMES \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": THIS COMPANY HAS CALLED MY WORK PHONE AFTER I TOLD THEM TO STOP CALLING, THEY ASKED TO SPEAK TO PEOPLE SITTING NEXT TO ME THEY ASKED THE RECEPTIONIST TO PAGE ME AND KEPT ASKING FOR A CELL PHONE NUMBER AT MY PLACE OF EMPLOYMENT. THEY CALLED MY CELL PHONE 13 TIMES \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This company has been calling my phone non stop asking for someone I do not know and refuses to identify themeselves and the name of the company they are calling from. \n","text":"Company can't verify or dispute the facts in the complaint","context":": This company has been calling my phone non stop asking for someone I do not know and refuses to identify themeselves and the name of the company they are calling from. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"They saying I had got a pay day loan but I did n't \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": They saying I had got a pay day loan but I did n't \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"After submitting a mortgage application 1 month ago, Bank of America has not sent us the new Loan Disclosure form. BofA, when asked, said they were not aware that a Loan Disclosure form was a requirement. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": After submitting a mortgage application 1 month ago, Bank of America has not sent us the new Loan Disclosure form. BofA, when asked, said they were not aware that a Loan Disclosure form was a requirement. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX members of my family and I have all been called numerous times by XXXX XXXX XXXX stating they have legal documents to serve and wanting to verify my information. The call comes from a XXXX number XXXX XXXX XXXX and refuse to say who it is or what it is in regards to. \n","text":"Company disputes the facts presented in the complaint","context":": XXXX members of my family and I have all been called numerous times by XXXX XXXX XXXX stating they have legal documents to serve and wanting to verify my information. The call comes from a XXXX number XXXX XXXX XXXX and refuse to say who it is or what it is in regards to. \n : Company disputes the facts presented in the complaint"},{"Question":"Trans Union is not responding to my request to investigate and remove some accounts from my credit report that do not belong to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Trans Union is not responding to my request to investigate and remove some accounts from my credit report that do not belong to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Experian has not provide me with evidence from disputed accounts which I have requested serval times in the past. \n","text":"Company chooses not to provide a public response","context":": Experian has not provide me with evidence from disputed accounts which I have requested serval times in the past. \n : Company chooses not to provide a public response"},{"Question":"Experian keeps wrong information on my report. \n","text":"Company chooses not to provide a public response","context":": Experian keeps wrong information on my report. \n : Company chooses not to provide a public response"},{"Question":"I recently learned that a high-interest online loan I have with NetCredit is not legally binding in the state of Virginia. \n\nI notified the lender who responded by stating that their license in the State of Utah allows them to do business in Virginia. \n","text":"Company disputes the facts presented in the complaint","context":": I recently learned that a high-interest online loan I have with NetCredit is not legally binding in the state of Virginia. \n\nI notified the lender who responded by stating that their license in the State of Utah allows them to do business in Virginia. \n : Company disputes the facts presented in the complaint"},{"Question":"They call daily ( in the morning ) and sometimes multiple times during the day ( as late as XXXX ). Either they wo n't leave a message, they talk very suspiciously, or there 's complete silence on the line when I try to communicate with them. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": They call daily ( in the morning ) and sometimes multiple times during the day ( as late as XXXX ). Either they wo n't leave a message, they talk very suspiciously, or there 's complete silence on the line when I try to communicate with them. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I received a letter from this company demanding payment. To my knowledge I have never signed a contract with this company and they have never provided me with services or goods \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received a letter from this company demanding payment. To my knowledge I have never signed a contract with this company and they have never provided me with services or goods \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Introductory offer False advertisement, Citi ThankYou Preferred Card - Earn XXXX bonus ThankYou Points after you spend {$0.00} in purchases within 3 months. It 's been almost 2 months since and I do n't see the points on my banking. \n","text":"Company chooses not to provide a public response","context":": Introductory offer False advertisement, Citi ThankYou Preferred Card - Earn XXXX bonus ThankYou Points after you spend {$0.00} in purchases within 3 months. It 's been almost 2 months since and I do n't see the points on my banking. \n : Company chooses not to provide a public response"},{"Question":"I paid this account in full back in XXXX, 2015. This is not reflected in my credit report. \n","text":"Company chooses not to provide a public response","context":": I paid this account in full back in XXXX, 2015. This is not reflected in my credit report. \n : Company chooses not to provide a public response"},{"Question":"On XXXX\/XXXX\/2015 a Hard Inquiry was done by XXXX XXXX, XXXX, XXXX, XXXX WITHOUT MY PERMISSION AND DONE ILLEGALLY WITHOUT MY KNOWLEDGE and should be removed immediately. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": On XXXX\/XXXX\/2015 a Hard Inquiry was done by XXXX XXXX, XXXX, XXXX, XXXX WITHOUT MY PERMISSION AND DONE ILLEGALLY WITHOUT MY KNOWLEDGE and should be removed immediately. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"PROFESSIONAL FINANCE CO IS REPORTING A DEBT ON MY CREDIT REPORT THAT WAS PAID TO THE ORIGINAL CREDITOR. THEY HAVE NO REASON TO REPORT THE DEBT SINCE IT IS NOT OWED TO THEM. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": PROFESSIONAL FINANCE CO IS REPORTING A DEBT ON MY CREDIT REPORT THAT WAS PAID TO THE ORIGINAL CREDITOR. THEY HAVE NO REASON TO REPORT THE DEBT SINCE IT IS NOT OWED TO THEM. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"A name on my credit report is wrong - I have never been XXXX XXXX - please remove.Names Reported XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": A name on my credit report is wrong - I have never been XXXX XXXX - please remove.Names Reported XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"Called me about some debt collection, asked for someone I did n't know, harassing me for no reason. Calling from XXXX XXXX XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Called me about some debt collection, asked for someone I did n't know, harassing me for no reason. Calling from XXXX XXXX XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"IN THE LIST OF ADDRESSES THERE IS XXXX THAT I HAVE NEVER LIVED AT. XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER LIVED ANYWHERE BUT THE OTHER XXXX ADDRESSES XXXX. \n","text":"Company chooses not to provide a public response","context":": IN THE LIST OF ADDRESSES THERE IS XXXX THAT I HAVE NEVER LIVED AT. XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER LIVED ANYWHERE BUT THE OTHER XXXX ADDRESSES XXXX. \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo Bank received and deposited insurance proceeds that was in my name and not endorsed by me and now holding and refusing to release funds that was supposed to repair home from fire. The proceeds are much more than what I owe. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo Bank received and deposited insurance proceeds that was in my name and not endorsed by me and now holding and refusing to release funds that was supposed to repair home from fire. The proceeds are much more than what I owe. \n : Company chooses not to provide a public response"},{"Question":"XXXX Bank alleged my Business Account was found on a known cyber criminals XXXX XXXX, so they closed the account and report to chexsystems under my personal social security number instead of the business XXXX \" suspected fraud activity '' \n","text":"Company chooses not to provide a public response","context":": XXXX Bank alleged my Business Account was found on a known cyber criminals XXXX XXXX, so they closed the account and report to chexsystems under my personal social security number instead of the business XXXX \" suspected fraud activity '' \n : Company chooses not to provide a public response"},{"Question":"all XXXX bureaus failed to correct XXXX Mortgage reporting inaccurate and incorrect information about current payment status \n","text":"Company chooses not to provide a public response","context":": all XXXX bureaus failed to correct XXXX Mortgage reporting inaccurate and incorrect information about current payment status \n : Company chooses not to provide a public response"},{"Question":"I filed bankruptcy in 2013, and added Advance America in the case and they continue to contact me threating to take action against me if I do not pay them. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I filed bankruptcy in 2013, and added Advance America in the case and they continue to contact me threating to take action against me if I do not pay them. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company and find out get bad review with XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company and find out get bad review with XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"PRO COLLECT INC. I DISPUTED ONCE THEY NEVER MAILED ME ANY INFO AFTER I ASK. THEY HAVE THE WRONG PERSON I NEVER LIVED AT THIS ADDRESS I BEEN AT MY HOME SINCE 1998 HAVE THEM REMOVE IT FROM MY REPORT \n","text":"Company chooses not to provide a public response","context":": PRO COLLECT INC. I DISPUTED ONCE THEY NEVER MAILED ME ANY INFO AFTER I ASK. THEY HAVE THE WRONG PERSON I NEVER LIVED AT THIS ADDRESS I BEEN AT MY HOME SINCE 1998 HAVE THEM REMOVE IT FROM MY REPORT \n : Company chooses not to provide a public response"},{"Question":"THEIR WEBSITE IS NOT WORKING \n","text":"Company chooses not to provide a public response","context":": THEIR WEBSITE IS NOT WORKING \n : Company chooses not to provide a public response"},{"Question":"This company is calling my personal number to try and reach someone else at the same address for collection purposes. I spoke with XXXX at XXXX XXXX XXXX about XXXX Pacific. The person they are trying to reach does not have my number. This is a hunting addition on their part. \n","text":"Company chooses not to provide a public response","context":": This company is calling my personal number to try and reach someone else at the same address for collection purposes. I spoke with XXXX at XXXX XXXX XXXX about XXXX Pacific. The person they are trying to reach does not have my number. This is a hunting addition on their part. \n : Company chooses not to provide a public response"},{"Question":"I disputed these accounts ( dismissed chapter XXXX BK XXXX and XXXX ) and was deleted from XXXX the other bureau, but I have not good resulted with Experian. \n","text":"Company chooses not to provide a public response","context":": I disputed these accounts ( dismissed chapter XXXX BK XXXX and XXXX ) and was deleted from XXXX the other bureau, but I have not good resulted with Experian. \n : Company chooses not to provide a public response"},{"Question":"My student loan was sold to progressive financial due to default on a student loan. I have made attempts to rectify this debt but was told to pay more. Progressive financial has a history of illegal practices with multiple complaints. \n","text":"Company chooses not to provide a public response","context":": My student loan was sold to progressive financial due to default on a student loan. I have made attempts to rectify this debt but was told to pay more. Progressive financial has a history of illegal practices with multiple complaints. \n : Company chooses not to provide a public response"},{"Question":"I been trying ro get my credit score but when I check it it say I have a thin file but I would really like to get a car out butbwhen they run my credit it says XXXX can you please help \n","text":"Company chooses not to provide a public response","context":": I been trying ro get my credit score but when I check it it say I have a thin file but I would really like to get a car out butbwhen they run my credit it says XXXX can you please help \n : Company chooses not to provide a public response"},{"Question":"My mortgage processor has severely limited my payment options as a result of their own internal error. This has made it very difficult to pay them resulting in additional fees due to delays they have introduced to the process. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": My mortgage processor has severely limited my payment options as a result of their own internal error. This has made it very difficult to pay them resulting in additional fees due to delays they have introduced to the process. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Ca n't cash IRS refund check at any store, i.e. XXXX or XXXX. Contacted Certegy and it was useless. Said it was risk factors set up in the software. Now have no idea what to do. How is it possible that there is a risk factor in cashing an IRS check? \n","text":"Company chooses not to provide a public response","context":": Ca n't cash IRS refund check at any store, i.e. XXXX or XXXX. Contacted Certegy and it was useless. Said it was risk factors set up in the software. Now have no idea what to do. How is it possible that there is a risk factor in cashing an IRS check? \n : Company chooses not to provide a public response"},{"Question":"DITECH FINANCIAL, LLC indicates that I have an existing mortgage with a balance of {$15000.00} as of XXXX 2015. I do not have an account nor a balance with this company. Account was charged off thru Chapter XXXX. \n","text":"Company believes complaint is the result of an isolated error","context":": DITECH FINANCIAL, LLC indicates that I have an existing mortgage with a balance of {$15000.00} as of XXXX 2015. I do not have an account nor a balance with this company. Account was charged off thru Chapter XXXX. \n : Company believes complaint is the result of an isolated error"},{"Question":"I originally mailed my dispute letter to Experian on XXXX XXXX, 2015 and then followed up wit a second letter on XXXX XXXX, 2015 and till this date i have not heard back from them. \n","text":"Company chooses not to provide a public response","context":": I originally mailed my dispute letter to Experian on XXXX XXXX, 2015 and then followed up wit a second letter on XXXX XXXX, 2015 and till this date i have not heard back from them. \n : Company chooses not to provide a public response"},{"Question":"I received the debt collection letter without evidence that it belongs to myself. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received the debt collection letter without evidence that it belongs to myself. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The Servicer does not allowed an alternate option in repaying the amount owed. The company is forcing a foreclosure. Is there any HAFA ( Home Affordable Foreclosure Aletrnative ) available with this company? \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The Servicer does not allowed an alternate option in repaying the amount owed. The company is forcing a foreclosure. Is there any HAFA ( Home Affordable Foreclosure Aletrnative ) available with this company? \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My husband and I applied for a mortgage with Bank of America and I believe we were turned down because he is a XXXX vet and of XXXX heritage. \n","text":"Company chooses not to provide a public response","context":": My husband and I applied for a mortgage with Bank of America and I believe we were turned down because he is a XXXX vet and of XXXX heritage. \n : Company chooses not to provide a public response"},{"Question":"Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them {$1200.00}. A man named XXXX XXXX is calling me stating that I have to appear in court. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them {$1200.00}. A man named XXXX XXXX is calling me stating that I have to appear in court. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Every time I get a call from the company it the same guy. He hang up the phone on me. Demand thing. Rude, disrespectful, just mean and rude. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Every time I get a call from the company it the same guy. He hang up the phone on me. Demand thing. Rude, disrespectful, just mean and rude. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The website XXXX is broken. This is a well known problem and a total scandal. You should do something. This is a disgrace. \n","text":"Company chooses not to provide a public response","context":": The website XXXX is broken. This is a well known problem and a total scandal. You should do something. This is a disgrace. \n : Company chooses not to provide a public response"},{"Question":"To sum in up apparently during computer and many other changes that the XXXX XXXX were implementing me dical bills fully covers by my then under XXXX XXXX XXXX son are now in collections and adding great stress and loss of living and vehicle purchasing needs. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": To sum in up apparently during computer and many other changes that the XXXX XXXX were implementing me dical bills fully covers by my then under XXXX XXXX XXXX son are now in collections and adding great stress and loss of living and vehicle purchasing needs. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I mailed a validation letter in XXXX 2015 and have not received information regarding the debt. They continue to report to the credit bureaus. In addition, XXXX the accounts they claim I owe are the same amount. \n","text":"Company chooses not to provide a public response","context":": I mailed a validation letter in XXXX 2015 and have not received information regarding the debt. They continue to report to the credit bureaus. In addition, XXXX the accounts they claim I owe are the same amount. \n : Company chooses not to provide a public response"},{"Question":"Bank of America credit card account has been paid in full and resolved but still shows on my credit report as non-payment amount of {$580.00}. I need this cleared from XXXX credit bureaus ASAP. \n","text":"Company chooses not to provide a public response","context":": Bank of America credit card account has been paid in full and resolved but still shows on my credit report as non-payment amount of {$580.00}. I need this cleared from XXXX credit bureaus ASAP. \n : Company chooses not to provide a public response"},{"Question":"This was included in my bankruptcy that was discharge XXXX 2013. I have called them and my lawyer has sent them numerous letters to remove this from my credit report because I do not owe it. They keep trying to collect and now it is still on my credit report. \n","text":"Company disputes the facts presented in the complaint","context":": This was included in my bankruptcy that was discharge XXXX 2013. I have called them and my lawyer has sent them numerous letters to remove this from my credit report because I do not owe it. They keep trying to collect and now it is still on my credit report. \n : Company disputes the facts presented in the complaint"},{"Question":"They are calling me everyday about family member debt. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": They are calling me everyday about family member debt. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"TALKED, FRAUDULANTLY POSTED TO CREDIT REPORT, WOULD NOT RESPOND, MADE SEVERAL SCARY PHONE CALLS TO ME AND MY DAUGHTER, THREATENED TO PHYSICALLY HARM ME. \n","text":"Company disputes the facts presented in the complaint","context":": TALKED, FRAUDULANTLY POSTED TO CREDIT REPORT, WOULD NOT RESPOND, MADE SEVERAL SCARY PHONE CALLS TO ME AND MY DAUGHTER, THREATENED TO PHYSICALLY HARM ME. \n : Company disputes the facts presented in the complaint"},{"Question":"there is an account that continues to report on my credit file from XXXX acct # XXXX and XXXX # XXXX also known as XXXX # XXXX after this acct has been established with the other credit bureaus and the companies to be fraudulent ... .. \n","text":"Company chooses not to provide a public response","context":": there is an account that continues to report on my credit file from XXXX acct # XXXX and XXXX # XXXX also known as XXXX # XXXX after this acct has been established with the other credit bureaus and the companies to be fraudulent ... .. \n : Company chooses not to provide a public response"},{"Question":"I have asked to have addresses removed from my credit report because I have never lived there and I just had a background check and found that the addresses are still on my report \n","text":"Company chooses not to provide a public response","context":": I have asked to have addresses removed from my credit report because I have never lived there and I just had a background check and found that the addresses are still on my report \n : Company chooses not to provide a public response"},{"Question":"I received repeated phone calls to my cell phone IC Systems today I finally contacted a manager XXXX XXXX to stop blowing up my cell phone and demanded all communication only by mail be sent to me \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I received repeated phone calls to my cell phone IC Systems today I finally contacted a manager XXXX XXXX to stop blowing up my cell phone and demanded all communication only by mail be sent to me \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"ENHANCED RECOVERY CORP, was disputed and removed off all my credit report only to show back up with misleading information. This account with XXXX was opened up by another person using my information fraudulently. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": ENHANCED RECOVERY CORP, was disputed and removed off all my credit report only to show back up with misleading information. This account with XXXX was opened up by another person using my information fraudulently. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This debt was paid on XXXX\/XXXX\/15 which settled this account. I was informed that this would not show on my credit any further. Upon obtaining a new job my credit was ran and this still showed on my report. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": This debt was paid on XXXX\/XXXX\/15 which settled this account. I was informed that this would not show on my credit any further. Upon obtaining a new job my credit was ran and this still showed on my report. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"All XXXX bureaus are continuously reporting false and malicious information \n","text":"Company chooses not to provide a public response","context":": All XXXX bureaus are continuously reporting false and malicious information \n : Company chooses not to provide a public response"},{"Question":"Mortgage paid off in good terms when sold. Is marked as \" closed - Derogatory \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Mortgage paid off in good terms when sold. Is marked as \" closed - Derogatory \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I was charged an annual fee on my Citi Credit Card without anoticd and was offered a refund, but then they would close my account. \n","text":"Company chooses not to provide a public response","context":": I was charged an annual fee on my Citi Credit Card without anoticd and was offered a refund, but then they would close my account. \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo used scare tactics and unprofessional & unhelpful advice re : underwater mortgage. I am XXXX and can not afford current payments. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo used scare tactics and unprofessional & unhelpful advice re : underwater mortgage. I am XXXX and can not afford current payments. \n : Company chooses not to provide a public response"},{"Question":"They continue to call after I 've made a payment on XXXX XXXX and made payment arrangements. Asked them to not call me on Sunday and they call 7 days and week multiple times a day. Then when I call to speak with a Manager they hang up on me. \n","text":"Company chooses not to provide a public response","context":": They continue to call after I 've made a payment on XXXX XXXX and made payment arrangements. Asked them to not call me on Sunday and they call 7 days and week multiple times a day. Then when I call to speak with a Manager they hang up on me. \n : Company chooses not to provide a public response"},{"Question":"I 'm a victim of identity theft and someone open lots account in my name and I do n't no any thing about this account. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I 'm a victim of identity theft and someone open lots account in my name and I do n't no any thing about this account. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Paid amount of {$81.00} as of XX\/XX\/2015 \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Paid amount of {$81.00} as of XX\/XX\/2015 \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"On XXXX I filed a dispute with Experian disputing the following accounts. But they never responded to my dispute. I disputed that the accounts below is not reporting accurately. \n\nHere are the accounts that I XXXXXXXXXXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX \n","text":"Company chooses not to provide a public response","context":": On XXXX I filed a dispute with Experian disputing the following accounts. But they never responded to my dispute. I disputed that the accounts below is not reporting accurately. \n\nHere are the accounts that I XXXXXXXXXXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX \n : Company chooses not to provide a public response"},{"Question":"I do not owe any credit card with this institution. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I do not owe any credit card with this institution. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Recently noticed a debt collection record from ERC ( Enhanced Recovery Corporation ) for XXXX account stated as opened on XX\/XX\/XXXX. I was not residing in US from XX\/XX\/XXXX to XX\/XX\/XXXX. Also I did not got any letter later for account opened in XX\/XX\/XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Recently noticed a debt collection record from ERC ( Enhanced Recovery Corporation ) for XXXX account stated as opened on XX\/XX\/XXXX. I was not residing in US from XX\/XX\/XXXX to XX\/XX\/XXXX. Also I did not got any letter later for account opened in XX\/XX\/XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX - Barclays issued a Master Card credit card under my name and sent it to my previous address ( 15yrs old ) ready for activation. I did not submit information or apply for this card. \n","text":"Company chooses not to provide a public response","context":": XXXX - Barclays issued a Master Card credit card under my name and sent it to my previous address ( 15yrs old ) ready for activation. I did not submit information or apply for this card. \n : Company chooses not to provide a public response"},{"Question":"Experian is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Experian is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"My identify was stolen XXXX XXXX\/XXXX\/15 and a person emptied my bank account as well as opened a charge card backed by XXXX XXXX\/XXXX XXXX XXXX. I would like the hard pull\/credit inquiry removed please. \n","text":"Company chooses not to provide a public response","context":": My identify was stolen XXXX XXXX\/XXXX\/15 and a person emptied my bank account as well as opened a charge card backed by XXXX XXXX\/XXXX XXXX XXXX. I would like the hard pull\/credit inquiry removed please. \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo close my account due to the filing of a cfpb complaint. Keep funds and did not disclose terms. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Wells Fargo close my account due to the filing of a cfpb complaint. Keep funds and did not disclose terms. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX tellers to assist all customers on XXXX of the busiest days of the year, XXXX XXXX XXXX XXXX. Waited more than an hour to make a withdrawal. \n","text":"Company chooses not to provide a public response","context":": XXXX tellers to assist all customers on XXXX of the busiest days of the year, XXXX XXXX XXXX XXXX. Waited more than an hour to make a withdrawal. \n : Company chooses not to provide a public response"},{"Question":"I paid off my CitiMortgage loan then they took {$40.00} of my escrow account refund without any notification, justification, or permission. I have made three attempts by phone to get this issue rectified without success. \n","text":"Company chooses not to provide a public response","context":": I paid off my CitiMortgage loan then they took {$40.00} of my escrow account refund without any notification, justification, or permission. I have made three attempts by phone to get this issue rectified without success. \n : Company chooses not to provide a public response"},{"Question":"I 've been issued a number of late fee that are Unfair and Excessive. These fees violate federal regulations put in place to prevent credit card companies from taking advantage of their customers. \n","text":"Company chooses not to provide a public response","context":": I 've been issued a number of late fee that are Unfair and Excessive. These fees violate federal regulations put in place to prevent credit card companies from taking advantage of their customers. \n : Company chooses not to provide a public response"},{"Question":"I just received an alert from XXXX. It says I applied for a credit card form CBNA and listed this address. I DID NOT APPLY FOR A CREDIT CARD. This is an error or stolen identity. \n","text":"Company chooses not to provide a public response","context":": I just received an alert from XXXX. It says I applied for a credit card form CBNA and listed this address. I DID NOT APPLY FOR A CREDIT CARD. This is an error or stolen identity. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX divulge my debt to a third party in order to track me down. On XXXX XXXX, 2015 police officers delivered a \" CONSENT JUDGEMENT '' to XXXX XXXX XXXX, XXXX, LA XXXX. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX divulge my debt to a third party in order to track me down. On XXXX XXXX, 2015 police officers delivered a \" CONSENT JUDGEMENT '' to XXXX XXXX XXXX, XXXX, LA XXXX. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX can get away with identity theft to alter documents and sell that loan with the altered documents \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX XXXX can get away with identity theft to alter documents and sell that loan with the altered documents \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Someone has stolen my entire identity. They 're currently paying a mortgage under my identity and have numerous credit card purchases. \n","text":"Company chooses not to provide a public response","context":": Someone has stolen my entire identity. They 're currently paying a mortgage under my identity and have numerous credit card purchases. \n : Company chooses not to provide a public response"},{"Question":"Bank of America did not honor its Terms and Agreements set forth in their terms and agreements. Held funds and deposits, then close my Account and keep my {$500.00}. Close my account without any electronic confirmation. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Bank of America did not honor its Terms and Agreements set forth in their terms and agreements. Held funds and deposits, then close my Account and keep my {$500.00}. Close my account without any electronic confirmation. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Billing identity theft customer relations and fraud victimization of elite card holders treated with poor service high aprs and synthetic identity theft and poor dispute management with heavy brand information sharing between high end affinity banking partners under XXXX \n","text":"Company chooses not to provide a public response","context":": Billing identity theft customer relations and fraud victimization of elite card holders treated with poor service high aprs and synthetic identity theft and poor dispute management with heavy brand information sharing between high end affinity banking partners under XXXX \n : Company chooses not to provide a public response"},{"Question":"Dillards department stores identity theieves and interest rates and settlements and adjustments to accounts that are false to XXXX cards in XXXX center \n","text":"Company chooses not to provide a public response","context":": Dillards department stores identity theieves and interest rates and settlements and adjustments to accounts that are false to XXXX cards in XXXX center \n : Company chooses not to provide a public response"},{"Question":"I have a Best Buy\/Citi Card. I was 3 days late on a {$25.00} payment, they charged me a late fee of XXXX. Since then they have been calling me from an automated service 3-6 times a day, even Sunday. \n","text":"Company chooses not to provide a public response","context":": I have a Best Buy\/Citi Card. I was 3 days late on a {$25.00} payment, they charged me a late fee of XXXX. Since then they have been calling me from an automated service 3-6 times a day, even Sunday. \n : Company chooses not to provide a public response"},{"Question":"CBNA made a hard inquiry on my credit without asking me. I already have a citi bank card and have had it for a year, why are they pulling a hard inquiry and lowering my credit score by XXXX points??? \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": CBNA made a hard inquiry on my credit without asking me. I already have a citi bank card and have had it for a year, why are they pulling a hard inquiry and lowering my credit score by XXXX points??? \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"this was paid either by my health insurance or fed workers comp \n","text":"Company can't verify or dispute the facts in the complaint","context":": this was paid either by my health insurance or fed workers comp \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I have been trying to apply for college loans and have been unsuccessful. Upon inquiring about my credit score, I have found XXXX different times when there are large charges under my name from the following companies : XXXX ( XXXX ), XXXX, and XXXX. \n","text":"Company chooses not to provide a public response","context":": I have been trying to apply for college loans and have been unsuccessful. Upon inquiring about my credit score, I have found XXXX different times when there are large charges under my name from the following companies : XXXX ( XXXX ), XXXX, and XXXX. \n : Company chooses not to provide a public response"},{"Question":"I have repeatedly asked Wells Fargo to stop sending me marketing materials regarding my HSA - and they keep on sending them to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have repeatedly asked Wells Fargo to stop sending me marketing materials regarding my HSA - and they keep on sending them to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"They have called me upwards of 60 times in the past month. They are callingmy parents house, and harassing them, after repeatedly being asked to stop. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They have called me upwards of 60 times in the past month. They are callingmy parents house, and harassing them, after repeatedly being asked to stop. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They keep calling for a debt that 's in my husbands name, that we wholeheartedly intend on paying but I asked them to stop calling and to put me on the DNC list. He said okay. Now they keep calling but not speaking. They call up to 3 times a day. \n","text":"Company can't verify or dispute the facts in the complaint","context":": They keep calling for a debt that 's in my husbands name, that we wholeheartedly intend on paying but I asked them to stop calling and to put me on the DNC list. He said okay. Now they keep calling but not speaking. They call up to 3 times a day. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"they saying my current add is not on their file, and wont sent report. I know they lying cause Transunion has my current add on file. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": they saying my current add is not on their file, and wont sent report. I know they lying cause Transunion has my current add on file. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"There are some wrong information on my credit report and they are not belong to me! \n","text":"Company chooses not to provide a public response","context":": There are some wrong information on my credit report and they are not belong to me! \n : Company chooses not to provide a public response"},{"Question":"I got a check in the mail so I cashed it now I 'm being harassed by credit Central saying I owe them I did n't apply for a loan with them \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I got a check in the mail so I cashed it now I 'm being harassed by credit Central saying I owe them I did n't apply for a loan with them \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received a letter from this company demanding payment for a debt that is not mine. This is the XXXX debt collector that has sent me a demand for payment concerning this alleged account \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received a letter from this company demanding payment for a debt that is not mine. This is the XXXX debt collector that has sent me a demand for payment concerning this alleged account \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"These people are calling me about a debt I never heard of. On top of that they say there is XXXX debt from 2007 and XXXX from earlier than that. XXXX past SOL, IF they were my debt to begin with. I want this company to cease and and all communication with me ASAP. \n","text":"Company chooses not to provide a public response","context":": These people are calling me about a debt I never heard of. On top of that they say there is XXXX debt from 2007 and XXXX from earlier than that. XXXX past SOL, IF they were my debt to begin with. I want this company to cease and and all communication with me ASAP. \n : Company chooses not to provide a public response"},{"Question":"Management at apartment complex cleared lease obligations with no other financial debts. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Management at apartment complex cleared lease obligations with no other financial debts. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have XXXX items on my credit report Trans Union refuses to investigate Chapter XXXX bankruptcy account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX \n","text":"Company chooses not to provide a public response","context":": I have XXXX items on my credit report Trans Union refuses to investigate Chapter XXXX bankruptcy account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX \n : Company chooses not to provide a public response"},{"Question":"I disputed this Bankruptcy information previously and it could n't be verified and was removed from my credit file, I see it has been added back on to my credit file. \n","text":"Company chooses not to provide a public response","context":": I disputed this Bankruptcy information previously and it could n't be verified and was removed from my credit file, I see it has been added back on to my credit file. \n : Company chooses not to provide a public response"},{"Question":"Experian REFUSED to provide me a credit report for a declined loan based upon credit information Experian proved to the lender ( XXXX XXXX XXXX\/XXXX\/2015 ) \n","text":"Company chooses not to provide a public response","context":": Experian REFUSED to provide me a credit report for a declined loan based upon credit information Experian proved to the lender ( XXXX XXXX XXXX\/XXXX\/2015 ) \n : Company chooses not to provide a public response"},{"Question":"I am sick and tired of getting credit card, loan, and insurance mail from USAA. I 've called these XXXX and told them I 'm not interested in there products, but I still keep getting mail from them. I want it stopped. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am sick and tired of getting credit card, loan, and insurance mail from USAA. I 've called these XXXX and told them I 'm not interested in there products, but I still keep getting mail from them. I want it stopped. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am in the process of purchasing a home. I am actually in escrow. My credit was pulled XX\/XX\/XXXX and I was suppose to sign docs today until this company placed an unknown account on my credit. \nI was never contacted by them via phone or mail. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am in the process of purchasing a home. I am actually in escrow. My credit was pulled XX\/XX\/XXXX and I was suppose to sign docs today until this company placed an unknown account on my credit. \nI was never contacted by them via phone or mail. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I did not make all these inquires a old worker of mine that has been fired was suspected of getting my ss # and trying to apply for credit all over please remove all this ridiculous inquires asap thank u \n","text":"Company chooses not to provide a public response","context":": I did not make all these inquires a old worker of mine that has been fired was suspected of getting my ss # and trying to apply for credit all over please remove all this ridiculous inquires asap thank u \n : Company chooses not to provide a public response"},{"Question":"I have a car lone we are late on it we talk to them once or twice a week they keep calling us in between the calls they call our references our references want them to stop and they wo n't \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have a car lone we are late on it we talk to them once or twice a week they keep calling us in between the calls they call our references our references want them to stop and they wo n't \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"US Bank has place a report on my name to XXXX back in 2011. Went to the bank to try to find out what was going on when they input my info. nothing came back. They suggested I apply to have it removed \n","text":"Company chooses not to provide a public response","context":": US Bank has place a report on my name to XXXX back in 2011. Went to the bank to try to find out what was going on when they input my info. nothing came back. They suggested I apply to have it removed \n : Company chooses not to provide a public response"},{"Question":"I inquired to Cach LLC in XXXX CO and XXXX XXXX about an debt collection action on my credit report. I made this inquiry on XXXX XXXX, 2016. I have not heard from them \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I inquired to Cach LLC in XXXX CO and XXXX XXXX about an debt collection action on my credit report. I made this inquiry on XXXX XXXX, 2016. I have not heard from them \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"over 7 years since last payment was made -- should be removed from my credit reports \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": over 7 years since last payment was made -- should be removed from my credit reports \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX Lending is attempting to add a forced hazard insurance premium on my property despite adequate coverage or requiring \" flood insurance '' when the property is not within the FEMA guidelines. \n","text":"Company disputes the facts presented in the complaint","context":": XXXX Lending is attempting to add a forced hazard insurance premium on my property despite adequate coverage or requiring \" flood insurance '' when the property is not within the FEMA guidelines. \n : Company disputes the facts presented in the complaint"},{"Question":"XXXX is illegally reporting on my credit, which is negatively affecting my credit score. Please help me enforce my credit right and remove this illegally reported account from my credit report. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX is illegally reporting on my credit, which is negatively affecting my credit score. Please help me enforce my credit right and remove this illegally reported account from my credit report. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"This number calls at least ten times a day and when I answer the phone I get immediately hung up on. \n","text":"Company chooses not to provide a public response","context":": This number calls at least ten times a day and when I answer the phone I get immediately hung up on. \n : Company chooses not to provide a public response"},{"Question":"I am getting at least 1-4 calls per day on my home and cell numbers from a automated caller claiming I owe a debt. I have never taken further steps to answer this automation as I am fairly certain I do not owe this debt. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I am getting at least 1-4 calls per day on my home and cell numbers from a automated caller claiming I owe a debt. I have never taken further steps to answer this automation as I am fairly certain I do not owe this debt. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"The XXXX account is being reported incorrectly! The account is paid and the agreement made with them was for the \" Full '' balance not \" less then full balance '' \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The XXXX account is being reported incorrectly! The account is paid and the agreement made with them was for the \" Full '' balance not \" less then full balance '' \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Bank of America vacated my account XXXX and kept the money. I had been trying to close this account for years. Now when I call them they ca n't heip me. \n","text":"Company chooses not to provide a public response","context":": Bank of America vacated my account XXXX and kept the money. I had been trying to close this account for years. Now when I call them they ca n't heip me. \n : Company chooses not to provide a public response"},{"Question":"I have disputed this information as being fraudulent, not mine or opened by me. They refuse to remove the accounts or reinvestigate the accounts and proof they are mine. \n","text":"Company chooses not to provide a public response","context":": I have disputed this information as being fraudulent, not mine or opened by me. They refuse to remove the accounts or reinvestigate the accounts and proof they are mine. \n : Company chooses not to provide a public response"},{"Question":"This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date. \n","text":"Company chooses not to provide a public response","context":": This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date. \n : Company chooses not to provide a public response"},{"Question":"One day past due and they will call every 2 hours. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": One day past due and they will call every 2 hours. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"First to take action on a foreclosure, fraud not the owner in due course, continue with proceedings while under QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST \n","text":"Company chooses not to provide a public response","context":": First to take action on a foreclosure, fraud not the owner in due course, continue with proceedings while under QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST \n : Company chooses not to provide a public response"},{"Question":"This account was cleared & verified by XXXX that the charge is an error. XXXX sent them info that the balance has been cleared. They are still in pursuit of money I DO NOT owe! \n","text":"Company chooses not to provide a public response","context":": This account was cleared & verified by XXXX that the charge is an error. XXXX sent them info that the balance has been cleared. They are still in pursuit of money I DO NOT owe! \n : Company chooses not to provide a public response"},{"Question":"There is information on my report that is not mine. I live in XXXX, and have all my life. There are adverse accounts that originate in XXXX. \n","text":"Company chooses not to provide a public response","context":": There is information on my report that is not mine. I live in XXXX, and have all my life. There are adverse accounts that originate in XXXX. \n : Company chooses not to provide a public response"},{"Question":"Transunion has listed negative information on my credit report that is not true. I do not owe XXXX XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX any money. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Transunion has listed negative information on my credit report that is not true. I do not owe XXXX XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX any money. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I get paid bi-weekly with a check drawn on Wells Fargo Bank, I do not have a Wells Fargo account. How can they charge me {$7.00} to cash my paycheck, something seems wrong to me. Of course it 's free if I change banks and open an account with them instead of XXXX. \n","text":"Company chooses not to provide a public response","context":": I get paid bi-weekly with a check drawn on Wells Fargo Bank, I do not have a Wells Fargo account. How can they charge me {$7.00} to cash my paycheck, something seems wrong to me. Of course it 's free if I change banks and open an account with them instead of XXXX. \n : Company chooses not to provide a public response"},{"Question":"Tried to get my credit score by registering on credit karma and it keeps saying my personal information does n't match the bureau of records. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Tried to get my credit score by registering on credit karma and it keeps saying my personal information does n't match the bureau of records. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"The report associate me with people in XXXX, XXXX & XXXX PLEASE help me with this, the credit agency gave me your inf. to contact you \n","text":"Company chooses not to provide a public response","context":": The report associate me with people in XXXX, XXXX & XXXX PLEASE help me with this, the credit agency gave me your inf. to contact you \n : Company chooses not to provide a public response"},{"Question":"ally financial gave me a 18 % interest rate ofnmy auto loan and i also put down XXXX to get financed I believe everything was based off of ethnicity. \n","text":"Company chooses not to provide a public response","context":": ally financial gave me a 18 % interest rate ofnmy auto loan and i also put down XXXX to get financed I believe everything was based off of ethnicity. \n : Company chooses not to provide a public response"},{"Question":"debts are still reporting in the credit file. however, debts were paid back 2013 as part of settlement. \n","text":"Company chooses not to provide a public response","context":": debts are still reporting in the credit file. however, debts were paid back 2013 as part of settlement. \n : Company chooses not to provide a public response"},{"Question":"A collection agency FIRST NATIONAL COLLECTION BUREAU in XXXX Nevada is trying to collect a sum of {$2400.00}. \nReceived a mailing from them last summer stating I owed a debt which they were hired to collect. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": A collection agency FIRST NATIONAL COLLECTION BUREAU in XXXX Nevada is trying to collect a sum of {$2400.00}. \nReceived a mailing from them last summer stating I owed a debt which they were hired to collect. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"These people were told not to contact me. They are calling all the time! I want it to STOP! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": These people were told not to contact me. They are calling all the time! I want it to STOP! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX submitted hard inquires to all credit Bureaus on XXXX\/XXXX\/XXXX, XXXX\/XXXX\/XXXX, XXXX\/XXXX\/XXXX and XXXX\/XXXX\/XXXX. These were submitted to both Experian and XXXX Credit Bureau for the dates mentioned above. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX submitted hard inquires to all credit Bureaus on XXXX\/XXXX\/XXXX, XXXX\/XXXX\/XXXX, XXXX\/XXXX\/XXXX and XXXX\/XXXX\/XXXX. These were submitted to both Experian and XXXX Credit Bureau for the dates mentioned above. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have XXXX items on my credit report that I had nothing to do with : XXXX, XXXX. \nI only owe XXXX hospital bill from : XXXX XXXX I 've attached my current license and XXXX additional forms of identity verification ( birth certificate, social security card ) \n","text":"Company chooses not to provide a public response","context":": I have XXXX items on my credit report that I had nothing to do with : XXXX, XXXX. \nI only owe XXXX hospital bill from : XXXX XXXX I 've attached my current license and XXXX additional forms of identity verification ( birth certificate, social security card ) \n : Company chooses not to provide a public response"},{"Question":"Experian is not responding to any of my requests to investigate, verify and remove the XXXX accounts from my credit report that do not belong to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian is not responding to any of my requests to investigate, verify and remove the XXXX accounts from my credit report that do not belong to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Experian is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Unable to receive my free annual credit report from experian. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Unable to receive my free annual credit report from experian. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Penn Credit is constantly calling for my son 's roommate that does not live at the home phone number. It 's an automated message that I am unable to tell them \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Penn Credit is constantly calling for my son 's roommate that does not live at the home phone number. It 's an automated message that I am unable to tell them \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The credit information provided does match up with my personal information also i have previous knowledge of the inappropriate information on my credit report. Would like resolve this matter so it will no longer affect my scores in the near future thank you. \n","text":"Company chooses not to provide a public response","context":": The credit information provided does match up with my personal information also i have previous knowledge of the inappropriate information on my credit report. Would like resolve this matter so it will no longer affect my scores in the near future thank you. \n : Company chooses not to provide a public response"},{"Question":"SW credit systems no longer has the account and still reporting on my credit report after I disputed it. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": SW credit systems no longer has the account and still reporting on my credit report after I disputed it. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Experian is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me. \n","text":"Company chooses not to provide a public response","context":": Experian is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me. \n : Company chooses not to provide a public response"},{"Question":"They told me it remains and need to discuss with creditor over three times. Now if it is n't deleted here soon, I will take legal action!!! \n","text":"Company chooses not to provide a public response","context":": They told me it remains and need to discuss with creditor over three times. Now if it is n't deleted here soon, I will take legal action!!! \n : Company chooses not to provide a public response"},{"Question":"Debt amounts are not accurate when attempting to make payment. Further ; agency will not allow me to make a payment \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt amounts are not accurate when attempting to make payment. Further ; agency will not allow me to make a payment \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"On XXXX I requested my free report from TransUnion. I have only received stall tactics and no report. Please send my free credit report. \n","text":"Company chooses not to provide a public response","context":": On XXXX I requested my free report from TransUnion. I have only received stall tactics and no report. Please send my free credit report. \n : Company chooses not to provide a public response"},{"Question":"I have been trying to get my free credit report from them and every time i try the telling me i have to pay to get it from them. \n","text":"Company chooses not to provide a public response","context":": I have been trying to get my free credit report from them and every time i try the telling me i have to pay to get it from them. \n : Company chooses not to provide a public response"},{"Question":"Quality Loan Service Corporation 's LIE is EXPOSED ... stealing our home in broad daylight - a FEDERAL CRIME! Please find attached. \n\nThank you for your urgent help. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Quality Loan Service Corporation 's LIE is EXPOSED ... stealing our home in broad daylight - a FEDERAL CRIME! Please find attached. \n\nThank you for your urgent help. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They proceeded to put this debt twice on all of my credit reports. The original amount is {$940.00} and now it is showing {$1800.00} which is double the amount. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They proceeded to put this debt twice on all of my credit reports. The original amount is {$940.00} and now it is showing {$1800.00} which is double the amount. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX does not know JH Portfolio Debt Equities. \nThis is fraudlent account. My documents were stolen in 2009. \nThis dates back to when my documents were stolen. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX does not know JH Portfolio Debt Equities. \nThis is fraudlent account. My documents were stolen in 2009. \nThis dates back to when my documents were stolen. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My purse was stolen and my credit card was charged and check book was used my account was closed with suspected fraud notation \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My purse was stolen and my credit card was charged and check book was used my account was closed with suspected fraud notation \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"BBT once again is overcharging my escrows account by almost {$1000.00}. I have been dealing with this issue since XXXX 2015 and they are still messing this up. I DO NOT WANT TO OVERPAY AND I SHOULD N'T. \n","text":"Company chooses not to provide a public response","context":": BBT once again is overcharging my escrows account by almost {$1000.00}. I have been dealing with this issue since XXXX 2015 and they are still messing this up. I DO NOT WANT TO OVERPAY AND I SHOULD N'T. \n : Company chooses not to provide a public response"},{"Question":"I am still having problems with my personal checks being declined by Certegy Check Services. I need to know the reason why my personal checks are being declined. My XXXX XXXX XXXX checking account has a current available balance of : {$50000.00}. \n","text":"Company chooses not to provide a public response","context":": I am still having problems with my personal checks being declined by Certegy Check Services. I need to know the reason why my personal checks are being declined. My XXXX XXXX XXXX checking account has a current available balance of : {$50000.00}. \n : Company chooses not to provide a public response"},{"Question":"Non stop calls for a debt I do n't owe and they wo n't identify \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Non stop calls for a debt I do n't owe and they wo n't identify \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Received notice from IRS of a tax notice. Upon making payment, XXXX\/XXXX\/2010, there was a tax lien file. Unable to get an explanation from IRS and Experian as to why tax lien was filed on same day as payment. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Received notice from IRS of a tax notice. Upon making payment, XXXX\/XXXX\/2010, there was a tax lien file. Unable to get an explanation from IRS and Experian as to why tax lien was filed on same day as payment. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"A company named XXXX at XXXX is contacting my place of employment \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": A company named XXXX at XXXX is contacting my place of employment \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"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","text":"Company chooses not to provide a public response","context":": 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 : Company chooses not to provide a public response"},{"Question":"On XXXX\/XXXX\/2015 XXXX XXXX requested a hard inquiry on my credit report and this was not authorized by me, this is making it difficult for me to obtain new credit. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": On XXXX\/XXXX\/2015 XXXX XXXX requested a hard inquiry on my credit report and this was not authorized by me, this is making it difficult for me to obtain new credit. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$310.00} with a collection Agency without knowing the name of the previous company. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$310.00} with a collection Agency without knowing the name of the previous company. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Some one stole XXXX dollars out of my Wells Fargo account XXXX XXXX in XXXX, North Carolina. Wells Fargo did not replace the money nor acknowledge my lost. \n","text":"Company chooses not to provide a public response","context":": Some one stole XXXX dollars out of my Wells Fargo account XXXX XXXX in XXXX, North Carolina. Wells Fargo did not replace the money nor acknowledge my lost. \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo has repeatedly called and ask for debt assistance. This disclaimer can also be layed down to FDIC for further comment. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo has repeatedly called and ask for debt assistance. This disclaimer can also be layed down to FDIC for further comment. \n : Company chooses not to provide a public response"},{"Question":"I had closed an account with Bank of America well over a year ago. Yes, this is after I was late on a payment but I need then to take the late payment off my credit report I paid them back. However its shows that I was closed and shows its still unpaid in bad standing! \n","text":"Company chooses not to provide a public response","context":": I had closed an account with Bank of America well over a year ago. Yes, this is after I was late on a payment but I need then to take the late payment off my credit report I paid them back. However its shows that I was closed and shows its still unpaid in bad standing! \n : Company chooses not to provide a public response"},{"Question":"On my credit report it has my name as XXXX XXXX instead of XXXX XXXX & one of the addresses is wrong it has XXXX. XXXX XXXX XXXX Ky I have no clue who 's address this is I have never lived in XXXX ky \n","text":"Company chooses not to provide a public response","context":": On my credit report it has my name as XXXX XXXX instead of XXXX XXXX & one of the addresses is wrong it has XXXX. XXXX XXXX XXXX Ky I have no clue who 's address this is I have never lived in XXXX ky \n : Company chooses not to provide a public response"},{"Question":"Trans Union is not responding to investigate numerous fraudulent inquiries in my credit file that were not initiated by me. \n","text":"Company chooses not to provide a public response","context":": Trans Union is not responding to investigate numerous fraudulent inquiries in my credit file that were not initiated by me. \n : Company chooses not to provide a public response"},{"Question":"Home foreclosed upon in XX\/XX\/XXXX Settlement received for improper foreclosure in XX\/XX\/XXXX Credit report not reflecting improper foreclosure. \n","text":"Company chooses not to provide a public response","context":": Home foreclosed upon in XX\/XX\/XXXX Settlement received for improper foreclosure in XX\/XX\/XXXX Credit report not reflecting improper foreclosure. \n : Company chooses not to provide a public response"},{"Question":"I am a victim of identity theft has never wrote a check anywhere in Illinois, but I have representatives from Global Payments Check Recovery Services , Inc., calling and harassing me about a debt, I do not owe. Someone has stole my identity. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am a victim of identity theft has never wrote a check anywhere in Illinois, but I have representatives from Global Payments Check Recovery Services , Inc., calling and harassing me about a debt, I do not owe. Someone has stole my identity. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I 'm a victim of identity theft so there 's a lot of increasing on my report I already contacted the creditors and they said they already send out letters to the creditors to remove the increase that does n't belong to me and for some reason XXXX and XXXX not removing them \n","text":"Company chooses not to provide a public response","context":": I 'm a victim of identity theft so there 's a lot of increasing on my report I already contacted the creditors and they said they already send out letters to the creditors to remove the increase that does n't belong to me and for some reason XXXX and XXXX not removing them \n : Company chooses not to provide a public response"},{"Question":"I have applied for a modification with my mortgage company and I 've being getting the run around for about 2 years now. Now they are saying I need to restart the process. The modification was requested because of the passing of my wife. \n","text":"Company chooses not to provide a public response","context":": I have applied for a modification with my mortgage company and I 've being getting the run around for about 2 years now. Now they are saying I need to restart the process. The modification was requested because of the passing of my wife. \n : Company chooses not to provide a public response"},{"Question":"The debt was paid in store and in full before we were able to switch names on the account from my name to my spouse 's name. We switched names because of an added discount for which she qualified through her employer. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The debt was paid in store and in full before we were able to switch names on the account from my name to my spouse 's name. We switched names because of an added discount for which she qualified through her employer. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I filed bankruptcy and it was discharged in XXXX 2015. Stellar Recovery is still showing an account as open collections on my credit report. No balance, no account number, with remarks of Chapter XXXX bankruptcy, bankruptcy discharged. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I filed bankruptcy and it was discharged in XXXX 2015. Stellar Recovery is still showing an account as open collections on my credit report. No balance, no account number, with remarks of Chapter XXXX bankruptcy, bankruptcy discharged. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"COLLECTOR CALLED MY CELL PHONE 16 TIMES IN VIOLATION OF TCPA, ALSO FAILED TO VALIDATE DEBT AND WENT ON MY CREDIT REPORTS IN VIOLATION OF FCRA AND FDCPA! ALSO, CALLED AND COLLECTED FOR XXXX XXXX TO WHOM THEY SHARED WITH ME IN VIOLATION OF DODD-FRANK ACT. \n","text":"Company disputes the facts presented in the complaint","context":": COLLECTOR CALLED MY CELL PHONE 16 TIMES IN VIOLATION OF TCPA, ALSO FAILED TO VALIDATE DEBT AND WENT ON MY CREDIT REPORTS IN VIOLATION OF FCRA AND FDCPA! ALSO, CALLED AND COLLECTED FOR XXXX XXXX TO WHOM THEY SHARED WITH ME IN VIOLATION OF DODD-FRANK ACT. \n : Company disputes the facts presented in the complaint"},{"Question":"Applied for a US Bank Credit Card and declined despite me having a FICO SCORE XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Applied for a US Bank Credit Card and declined despite me having a FICO SCORE XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Misrepresented time to repay the loan and when interest would start. Took advantage of an elderly person with poor eye sight and poor hearing. Charged 26.9 % interest. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Misrepresented time to repay the loan and when interest would start. Took advantage of an elderly person with poor eye sight and poor hearing. Charged 26.9 % interest. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I had over {$1000.00} on my savings account. The next time I went to an ATM to withdraw money, I had less than {$500.00}. This has also happened before, where my withdraws do not add up. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I had over {$1000.00} on my savings account. The next time I went to an ATM to withdraw money, I had less than {$500.00}. This has also happened before, where my withdraws do not add up. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have been divorced since XX\/XX\/2007 and it appears on my credit report that my ex husband is my spouse or my co-applicant. I have attach my divorce decree. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have been divorced since XX\/XX\/2007 and it appears on my credit report that my ex husband is my spouse or my co-applicant. I have attach my divorce decree. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I paid off my kay jewelers loam off in full and all of a sudden two years later they say I owe money \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I paid off my kay jewelers loam off in full and all of a sudden two years later they say I owe money \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"That 's not me I never had all those accounts \n","text":"Company can't verify or dispute the facts in the complaint","context":": That 's not me I never had all those accounts \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I have constantely requested the company not to contact me at work because it 's a monitored land line and I am not authorized to take personnel calles on this work line. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have constantely requested the company not to contact me at work because it 's a monitored land line and I am not authorized to take personnel calles on this work line. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I explain several times, with this company that I had a XXXX and to mail me the bill and I would pay on the bill the response was you pass that .and you do n't have any credit to put it on. Ive them to stop until I recover from my XXXX they continue \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I explain several times, with this company that I had a XXXX and to mail me the bill and I would pay on the bill the response was you pass that .and you do n't have any credit to put it on. Ive them to stop until I recover from my XXXX they continue \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX XXXX XXXX XXXX is reporting wrong information to my credit report. XXXX XXXX XXXX XXXX XXXX needs to delete the wrong information on my credit report. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX XXXX is reporting wrong information to my credit report. XXXX XXXX XXXX XXXX XXXX needs to delete the wrong information on my credit report. \n : Company chooses not to provide a public response"},{"Question":"Annual Credit Report Free from Experian, No can do.??? \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Annual Credit Report Free from Experian, No can do.??? \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I specifically instructed the debt collector to cease contact with me, and they have continued to send me harrassaing letters demanding money from me that I do not owe to them. I have no business with Unique Management Services, and I have told them this. \n","text":"Company disputes the facts presented in the complaint","context":": I specifically instructed the debt collector to cease contact with me, and they have continued to send me harrassaing letters demanding money from me that I do not owe to them. I have no business with Unique Management Services, and I have told them this. \n : Company disputes the facts presented in the complaint"},{"Question":"I have never heard from this company of any kind. I have not been contacted at all via phone, mail or email. This company has failed to contact to me. I have never heard of this company at all and never authorized an account to be put in my name at all \n","text":"Company chooses not to provide a public response","context":": I have never heard from this company of any kind. I have not been contacted at all via phone, mail or email. This company has failed to contact to me. I have never heard of this company at all and never authorized an account to be put in my name at all \n : Company chooses not to provide a public response"},{"Question":"I got an loan from Advance Financial based in XXXX, TN. And I am inquiring if they can continue to charge me this outrageous percentage to pay them back. I told them I was in the military ( in the XXXX XXXX ) but they said I was fine and continued with the loan. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I got an loan from Advance Financial based in XXXX, TN. And I am inquiring if they can continue to charge me this outrageous percentage to pay them back. I told them I was in the military ( in the XXXX XXXX ) but they said I was fine and continued with the loan. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The credit card did not belong to me ; it belonged to my husband. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The credit card did not belong to me ; it belonged to my husband. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Upon checking my credit report I noticed I had a debt that I was n't aware of. \n","text":"Company chooses not to provide a public response","context":": Upon checking my credit report I noticed I had a debt that I was n't aware of. \n : Company chooses not to provide a public response"},{"Question":"This company continues to report this fraudulent info on my credit reports. They say they 'll remove it and they do, but they put it right back on again XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": This company continues to report this fraudulent info on my credit reports. They say they 'll remove it and they do, but they put it right back on again XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX XXXX did hard inquiry on me, I have never heard of XXXX XXXX before. I have never contacted XXXX XXXX for any reason. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX did hard inquiry on me, I have never heard of XXXX XXXX before. I have never contacted XXXX XXXX for any reason. \n : Company chooses not to provide a public response"},{"Question":"My credit card was canceled and all my XXXX points got forfeited. I earned the points through more than 3 years business with CitiBank and I was saving them for my next family vacation. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My credit card was canceled and all my XXXX points got forfeited. I earned the points through more than 3 years business with CitiBank and I was saving them for my next family vacation. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"suspicion of identity fraud, from \" mother \" XXXX XXXX, Police report in progress \n","text":"Company chooses not to provide a public response","context":": suspicion of identity fraud, from \" mother \" XXXX XXXX, Police report in progress \n : Company chooses not to provide a public response"},{"Question":"Company did not respond to letter of inquiry concerning improper credit reporting notification. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Company did not respond to letter of inquiry concerning improper credit reporting notification. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX sent Trans Union a letter to remove a hard credit inquiry from \" XXXX 2015 '' the inquiry is still present and needs to be removed as soon as possible please ... \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX XXXX sent Trans Union a letter to remove a hard credit inquiry from \" XXXX 2015 '' the inquiry is still present and needs to be removed as soon as possible please ... \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I do not have a sears card \n","text":"Company chooses not to provide a public response","context":": I do not have a sears card \n : Company chooses not to provide a public response"},{"Question":"They continue to call everday and always leave a silent voice mail ( no body speaks ) \n","text":"Company chooses not to provide a public response","context":": They continue to call everday and always leave a silent voice mail ( no body speaks ) \n : Company chooses not to provide a public response"},{"Question":"I contacted experian because XXXX XXXX XXXX is reporting a incorrect anount. Requested removal and its still reporting. XXXX states XXXX and should be XXXX. Its also being reported by XXXX companies \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I contacted experian because XXXX XXXX XXXX is reporting a incorrect anount. Requested removal and its still reporting. XXXX states XXXX and should be XXXX. Its also being reported by XXXX companies \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"USAA charge off both home equity loans XXXX in XXXX XXXX. And most recent XXXX XXXX all payments have been maid and are up to date \n","text":"Company believes complaint is the result of an isolated error","context":": USAA charge off both home equity loans XXXX in XXXX XXXX. And most recent XXXX XXXX all payments have been maid and are up to date \n : Company believes complaint is the result of an isolated error"},{"Question":"Initially I disputed several accounts, which came back verified. I believe the investigation is questionable. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Initially I disputed several accounts, which came back verified. I believe the investigation is questionable. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"ALLIED INTERSTATE LLC COLLECTION AGENCY REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT REPORTING AGENCY HOW ARE THEY VALDATING THIS INFORMATION? THIS IS NOT MINE THANK YOU \n","text":"Company chooses not to provide a public response","context":": ALLIED INTERSTATE LLC COLLECTION AGENCY REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT REPORTING AGENCY HOW ARE THEY VALDATING THIS INFORMATION? THIS IS NOT MINE THANK YOU \n : Company chooses not to provide a public response"},{"Question":"They call every day 3-4 times! I get their emails. I get so many calls while at work. This is unnecessary! \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": They call every day 3-4 times! I get their emails. I get so many calls while at work. This is unnecessary! \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I am formally requesting that the CFPB investing this matter. I do not feel that Experian 's XXXX system is sufficient enough to handle this matter. Please note that I am a XXXX Veteran XXXX This item does not belong on my credit report. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I am formally requesting that the CFPB investing this matter. I do not feel that Experian 's XXXX system is sufficient enough to handle this matter. Please note that I am a XXXX Veteran XXXX This item does not belong on my credit report. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"An old debt from XXXX ( now XXXX ) was settled with XXXX XXXX XXXX ( XXXX ) for {$880.00}. First National Collection Bureau resurrected the claim using different account numbers. I paid First National {$730.00}, until I realized it was the same old claim. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": An old debt from XXXX ( now XXXX ) was settled with XXXX XXXX XXXX ( XXXX ) for {$880.00}. First National Collection Bureau resurrected the claim using different account numbers. I paid First National {$730.00}, until I realized it was the same old claim. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"was never notified of this debt ... .had services at XXXX with financial help from hospital XXXX XXXX XXXX thru social worker payments were made by med assist went to clinic because of no income. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": was never notified of this debt ... .had services at XXXX with financial help from hospital XXXX XXXX XXXX thru social worker payments were made by med assist went to clinic because of no income. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have contacted the credit bureau regarding the incorrect reporting of my XXXX account. There is also duplicate accounts listed on my credit report. I would like to have this information updated to reflect the most current information. \n","text":"Company chooses not to provide a public response","context":": I have contacted the credit bureau regarding the incorrect reporting of my XXXX account. There is also duplicate accounts listed on my credit report. I would like to have this information updated to reflect the most current information. \n : Company chooses not to provide a public response"},{"Question":"I lost my ATM Debit Card and requested not just XXXX card as a replacement, but I requested XXXX cards. I am a senior and a veteran and due to my medical condition, I need XXXX cards. Bank of America said they were unable to provide me with XXXX cards for my account. \n","text":"Company chooses not to provide a public response","context":": I lost my ATM Debit Card and requested not just XXXX card as a replacement, but I requested XXXX cards. I am a senior and a veteran and due to my medical condition, I need XXXX cards. Bank of America said they were unable to provide me with XXXX cards for my account. \n : Company chooses not to provide a public response"},{"Question":"I was the victim of identity theft a few years back and just learned some hard inquiries from the person who stole my identity are still noted on my credit, as well as XXXX account being still open that is not mine ( XXXX ). I have filed a report with the police. \n","text":"Company chooses not to provide a public response","context":": I was the victim of identity theft a few years back and just learned some hard inquiries from the person who stole my identity are still noted on my credit, as well as XXXX account being still open that is not mine ( XXXX ). I have filed a report with the police. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX - I never applied for any car loans with XXXX and this should be removed - I believe someone must be utilizing my credit info \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX - I never applied for any car loans with XXXX and this should be removed - I believe someone must be utilizing my credit info \n : Company chooses not to provide a public response"},{"Question":"Several times I have tried for free report and have been told I must download forms and send in requested information. I have answered ID question honestly and still told I have to do the mail in process. Why? \n","text":"Company chooses not to provide a public response","context":": Several times I have tried for free report and have been told I must download forms and send in requested information. I have answered ID question honestly and still told I have to do the mail in process. Why? \n : Company chooses not to provide a public response"},{"Question":"While perusing my credit report, I noticed several items I did n't recognized. A address I did n't recognize and a collections bill from XXXX and XXXX I did n't incur. Please advise. \n","text":"Company chooses not to provide a public response","context":": While perusing my credit report, I noticed several items I did n't recognized. A address I did n't recognize and a collections bill from XXXX and XXXX I did n't incur. Please advise. \n : Company chooses not to provide a public response"},{"Question":"The account was cancelled due to past due on a few occasions .I was able to catch up paid it up to date including all past late fees. Seems that they waited to get the late fees before canceling the account. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The account was cancelled due to past due on a few occasions .I was able to catch up paid it up to date including all past late fees. Seems that they waited to get the late fees before canceling the account. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Paid the debt off, still is showing on my credit report that it is derogatory. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Paid the debt off, still is showing on my credit report that it is derogatory. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was charged {$1.00} from \" XXXX XXXX '' on my Macy 's credit card. I never enrolled in life insurance with them, and have n't seen this charge before. It is considered a \" credit life insurance fee ''. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I was charged {$1.00} from \" XXXX XXXX '' on my Macy 's credit card. I never enrolled in life insurance with them, and have n't seen this charge before. It is considered a \" credit life insurance fee ''. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"The debt collector agreed to have items removed in XX\/XX\/2015 and they have not been removed. I am attaching the letters requesting removal from the collection agency \n","text":"Company chooses not to provide a public response","context":": The debt collector agreed to have items removed in XX\/XX\/2015 and they have not been removed. I am attaching the letters requesting removal from the collection agency \n : Company chooses not to provide a public response"},{"Question":"I called XXXX Bank to remove as an authorizied user thats effecting my credit for XXXX dollars of over utilization .Please have them take off this account thats dragging down my credit score only this XXXX account. \n","text":"Company chooses not to provide a public response","context":": I called XXXX Bank to remove as an authorizied user thats effecting my credit for XXXX dollars of over utilization .Please have them take off this account thats dragging down my credit score only this XXXX account. \n : Company chooses not to provide a public response"},{"Question":"I was applying for a Laon modification thru XXXX, and the mortgage company told us that the propety was on foreclosure sell since XXXX\/XXXX\/2016. Which I was not notify about the action Being taken. I was not notified \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I was applying for a Laon modification thru XXXX, and the mortgage company told us that the propety was on foreclosure sell since XXXX\/XXXX\/2016. Which I was not notify about the action Being taken. I was not notified \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"After reading the FTC website and filing an identity theft affidavit I then mailed my dispute to XXXX and Transunion notifying them that accounts were open in my name without my permission. \n\nI disputed the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": After reading the FTC website and filing an identity theft affidavit I then mailed my dispute to XXXX and Transunion notifying them that accounts were open in my name without my permission. \n\nI disputed the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Received free credit report from Experian. XXXX unauthorized charges appeared on my credit card. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Received free credit report from Experian. XXXX unauthorized charges appeared on my credit card. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Transunion is Double reporting a collection account. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Transunion is Double reporting a collection account. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have never lived in Utah. There is a Utah address listed on my credit report. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have never lived in Utah. There is a Utah address listed on my credit report. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I donot have a XXXX account please remove from credit report I called XXXX they do not have any information on me \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I donot have a XXXX account please remove from credit report I called XXXX they do not have any information on me \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Citibank closed all my credit cards out of a sudden, without any notification. Only realised it since i could not used it everywhere for a week. Called the Office of President, they will not disclose further nor reopen the account. \n","text":"Company chooses not to provide a public response","context":": Citibank closed all my credit cards out of a sudden, without any notification. Only realised it since i could not used it everywhere for a week. Called the Office of President, they will not disclose further nor reopen the account. \n : Company chooses not to provide a public response"},{"Question":"I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address. \n","text":"Company chooses not to provide a public response","context":": I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address. \n : Company chooses not to provide a public response"},{"Question":"I have disputed this bankruptcy before several times with XXXX & Experian and the outcome of this bankruptcy was discharged which means it does not exist in the courts, XXXX has removed it from my report but XXXX & Experian has fail to remove it. \n","text":"Company chooses not to provide a public response","context":": I have disputed this bankruptcy before several times with XXXX & Experian and the outcome of this bankruptcy was discharged which means it does not exist in the courts, XXXX has removed it from my report but XXXX & Experian has fail to remove it. \n : Company chooses not to provide a public response"},{"Question":"I applied for a student credit card and was denied. I only have ( XXXX ) bad thing that has been on my report for 6 years and I was denied and I think it 's for credit discrimination. Everything else on my credit report is good and in great standing. \n","text":"Company chooses not to provide a public response","context":": I applied for a student credit card and was denied. I only have ( XXXX ) bad thing that has been on my report for 6 years and I was denied and I think it 's for credit discrimination. Everything else on my credit report is good and in great standing. \n : Company chooses not to provide a public response"},{"Question":"This collection agency continued to call my CELL PHONE from an automated dialer after I asked the to remove my phone number over three times. \n","text":"Company disputes the facts presented in the complaint","context":": This collection agency continued to call my CELL PHONE from an automated dialer after I asked the to remove my phone number over three times. \n : Company disputes the facts presented in the complaint"},{"Question":"XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below. \n","text":"Company chooses not to provide a public response","context":": XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below. \n : Company chooses not to provide a public response"},{"Question":"Called CitiGroup today to see about getting a lower APR on my Sears credit card. Was told that they could not lower the APR from the current 25.49 %. \n","text":"Company chooses not to provide a public response","context":": Called CitiGroup today to see about getting a lower APR on my Sears credit card. Was told that they could not lower the APR from the current 25.49 %. \n : Company chooses not to provide a public response"},{"Question":"They are n't doing what the government says lenders should do to provide foreclosure alternatives to help homeowners in foreclosu.re \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They are n't doing what the government says lenders should do to provide foreclosure alternatives to help homeowners in foreclosu.re \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Delbert services.is an illegal loan in Michigan, yet it is on my credit report \n","text":"Company chooses not to provide a public response","context":": Delbert services.is an illegal loan in Michigan, yet it is on my credit report \n : Company chooses not to provide a public response"},{"Question":"some one used my social securty number to open utility accounts now i can not create social security account \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": some one used my social securty number to open utility accounts now i can not create social security account \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"my personal information was used without my consent \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": my personal information was used without my consent \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"MY XXXX ACCOUNT IS PAID IN FULL PLEASE REMOVED FROM MY HARD CREDIT INQUIRY THANK YOU \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": MY XXXX ACCOUNT IS PAID IN FULL PLEASE REMOVED FROM MY HARD CREDIT INQUIRY THANK YOU \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I noticed on my credit report that I have a collection against me on a rental apartment. I never lived there and there is a balance of XXXX dollars. IQ data is the name of the collection agency. The name of the apartments is XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I noticed on my credit report that I have a collection against me on a rental apartment. I never lived there and there is a balance of XXXX dollars. IQ data is the name of the collection agency. The name of the apartments is XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"credit card went to collections, and that company calls my house constantly even though I 've told them I can not pay \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": credit card went to collections, and that company calls my house constantly even though I 've told them I can not pay \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My accounts were closed abruptly and I was unable to access the funds in my account without any correspondence. \n","text":"Company chooses not to provide a public response","context":": My accounts were closed abruptly and I was unable to access the funds in my account without any correspondence. \n : Company chooses not to provide a public response"},{"Question":"Repeated calls, a lot outside of XXXX - XXXX. They use abusive language, and threatened to take legal action. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Repeated calls, a lot outside of XXXX - XXXX. They use abusive language, and threatened to take legal action. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have disputed with transunion about accounts that did not belong to me and asked for an investigation. The investigation took over 30 days to complete and the results were the same which suggests that the investigation was incomplete. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have disputed with transunion about accounts that did not belong to me and asked for an investigation. The investigation took over 30 days to complete and the results were the same which suggests that the investigation was incomplete. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"The bank is reporting past due and this was paid in full and subsequently XXXX Bank was taken over by Union Bank. This is still on my credit report reflecting past due when in fact it is PAID IN FULL and should be reported as such. \n","text":"Company chooses not to provide a public response","context":": The bank is reporting past due and this was paid in full and subsequently XXXX Bank was taken over by Union Bank. This is still on my credit report reflecting past due when in fact it is PAID IN FULL and should be reported as such. \n : Company chooses not to provide a public response"},{"Question":"There are many items listed that are past the statute of limitations, I have disputed all of them and yet no one is assisting me. These items listed have been re aged which is against the law. Please help \n","text":"Company chooses not to provide a public response","context":": There are many items listed that are past the statute of limitations, I have disputed all of them and yet no one is assisting me. These items listed have been re aged which is against the law. Please help \n : Company chooses not to provide a public response"},{"Question":"Trans Union reports my employer as XXXX XXXX. I have never even HEARD of this company. \n","text":"Company chooses not to provide a public response","context":": Trans Union reports my employer as XXXX XXXX. I have never even HEARD of this company. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Every time i ask t have my address changed I get a fraud alert. \n\nPlease change my address and remove the Fraud alerts from my profile. \nPlease review my credit score it is incorrect. \n\nThanks XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Every time i ask t have my address changed I get a fraud alert. \n\nPlease change my address and remove the Fraud alerts from my profile. \nPlease review my credit score it is incorrect. \n\nThanks XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I received at least 2 calls per day including Sunday ato different times as late as XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received at least 2 calls per day including Sunday ato different times as late as XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX XXXX had a hard inquiry on my Experian Credit Report on XXXX\/XXXX\/2015. I have no knowledge of what this is. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX XXXX had a hard inquiry on my Experian Credit Report on XXXX\/XXXX\/2015. I have no knowledge of what this is. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Several hard inquiries on my credit report from XXXX XXXX to XXXX XXXX 2015. Not used with my permission. Possible identify theft. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": Several hard inquiries on my credit report from XXXX XXXX to XXXX XXXX 2015. Not used with my permission. Possible identify theft. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"An account was opened with Navy Federal Credit union which lists me as an authorized user on a credit card that I have never had possession of or have never used \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": An account was opened with Navy Federal Credit union which lists me as an authorized user on a credit card that I have never had possession of or have never used \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I thought my insurance toook care of the bill, everything was covered.I never recived a bill from this company. Then all of a sudden, I recieved a letter from a collection agency! I am still not responsable for the amount they are asking me. \n","text":"Company chooses not to provide a public response","context":": I thought my insurance toook care of the bill, everything was covered.I never recived a bill from this company. Then all of a sudden, I recieved a letter from a collection agency! I am still not responsable for the amount they are asking me. \n : Company chooses not to provide a public response"},{"Question":"I conditionally accepted their offer upon verifiable proof of claim. to date I have not seen any certified proof of claim for any account. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I conditionally accepted their offer upon verifiable proof of claim. to date I have not seen any certified proof of claim for any account. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I paid this debt, they keep attempting to recollect the dept I paid in full. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I paid this debt, they keep attempting to recollect the dept I paid in full. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XX\/XX\/2015, my credit report is showing where I had an inquiry for a home loan with Funding Suite . I did not authorize this company to run my credit. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": XX\/XX\/2015, my credit report is showing where I had an inquiry for a home loan with Funding Suite . I did not authorize this company to run my credit. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Trans Union Shows this address and its not my Address. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Trans Union Shows this address and its not my Address. \n : Company chooses not to provide a public response"},{"Question":"I have been trying to get a modification from Wells Fargo and again they have just strung me along? I have a detailed letter to attach to explain in more detail of the situation. \n","text":"Company chooses not to provide a public response","context":": I have been trying to get a modification from Wells Fargo and again they have just strung me along? I have a detailed letter to attach to explain in more detail of the situation. \n : Company chooses not to provide a public response"},{"Question":"I wrote Transunion in XX\/XX\/XXXX as I have multiple issues on my credit report. I included a current utility bill copy showing name and residence, copies of my social security card, and drivers license. They have not responded to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I wrote Transunion in XX\/XX\/XXXX as I have multiple issues on my credit report. I included a current utility bill copy showing name and residence, copies of my social security card, and drivers license. They have not responded to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"The site XXXX wouldnt work and did n't give me my XXXX or experian reports and the companies wo n't help me. They provided me with the number XXXX which I was unable to connect to a human being which is unacceptable. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The site XXXX wouldnt work and did n't give me my XXXX or experian reports and the companies wo n't help me. They provided me with the number XXXX which I was unable to connect to a human being which is unacceptable. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I closed account in XXXX 2015. XXXX CARD Services allowed charge from XXXX to go thru in XXXX 2015 that I did not do. I CLOSED ACCOUNT 9 months ago. XXXX needs to be banned from the industry. \n","text":"Company chooses not to provide a public response","context":": I closed account in XXXX 2015. XXXX CARD Services allowed charge from XXXX to go thru in XXXX 2015 that I did not do. I CLOSED ACCOUNT 9 months ago. XXXX needs to be banned from the industry. \n : Company chooses not to provide a public response"},{"Question":"XXXX Has called my home more than a dozen times \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX Has called my home more than a dozen times \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I paid my auto loan within the 10 day grace period and the company still assessed a late fee. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I paid my auto loan within the 10 day grace period and the company still assessed a late fee. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I am no longer wanting to dispute the account and the collection agency is refusing to remove the comment from my credit report \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am no longer wanting to dispute the account and the collection agency is refusing to remove the comment from my credit report \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"IVBE CONTACTED THIS COMPANY SEVERAL TIMES ASKING THEM TO VALIDATE THERE DEBT THEY HAVE N'T AND STILL CONTINUED TO REPORT TO ALL XXXX CREDIT AGENCY \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": IVBE CONTACTED THIS COMPANY SEVERAL TIMES ASKING THEM TO VALIDATE THERE DEBT THEY HAVE N'T AND STILL CONTINUED TO REPORT TO ALL XXXX CREDIT AGENCY \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"IVE ASK THEY COMPANY TO VALIDATE THERE DEBT THEY HAVE FAIL TO DO SO. AN STILL REPORTING THIS BAD DEBIT TO CREDIT REPORTING AGENCIES \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": IVE ASK THEY COMPANY TO VALIDATE THERE DEBT THEY HAVE FAIL TO DO SO. AN STILL REPORTING THIS BAD DEBIT TO CREDIT REPORTING AGENCIES \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I contacted the credit reporting agency because the collection amount is incorrect. I sent in receipts that should be credited towards the debt and was not given credit for. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I contacted the credit reporting agency because the collection amount is incorrect. I sent in receipts that should be credited towards the debt and was not given credit for. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"This information does not belong to me I want to investigate when was this because I do n't have any idea. XXXX XXXX XXXX \n","text":"Company chooses not to provide a public response","context":": This information does not belong to me I want to investigate when was this because I do n't have any idea. XXXX XXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Experian had XXXX hard inquires on my credit report from XXXX XXXX on : XXXX\/XXXX\/XXXX, XXXX\/XXXX\/XXXX, and XXXX\/XXXX\/XXXX. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian had XXXX hard inquires on my credit report from XXXX XXXX on : XXXX\/XXXX\/XXXX, XXXX\/XXXX\/XXXX, and XXXX\/XXXX\/XXXX. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I ASKED BEFORE CASHING A CHECK THAT IT BE VERIFIED AND WAS TOLD IT WAS GOOD. IN FACT IT WAS N'T AND NOW I AM BEING PENALIZED AS OWING AND REPORTED TO XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I ASKED BEFORE CASHING A CHECK THAT IT BE VERIFIED AND WAS TOLD IT WAS GOOD. IN FACT IT WAS N'T AND NOW I AM BEING PENALIZED AS OWING AND REPORTED TO XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I tried to dispute an item online, the sytem states that it is ACCURATE an unable to dispute online unless I mail documentation. I was given the option to upload the information. However, at the last minute I was not able. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I tried to dispute an item online, the sytem states that it is ACCURATE an unable to dispute online unless I mail documentation. I was given the option to upload the information. However, at the last minute I was not able. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"The loan origination fee listed on my Good Faith Estimate does not match the fee on my closing documents. Also, the company has promised to refund a fee that was charged to my credit card, but no credit has appeared yet. \n","text":"Company chooses not to provide a public response","context":": The loan origination fee listed on my Good Faith Estimate does not match the fee on my closing documents. Also, the company has promised to refund a fee that was charged to my credit card, but no credit has appeared yet. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX has filed negative and\/or derogatory claims on my credit. These claims do not belong to me. The claims are for approximately {$200.00}. \nI sent a letter to XXXX. XXXX on XXXX XXXX, 2016 disputing these claims. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX has filed negative and\/or derogatory claims on my credit. These claims do not belong to me. The claims are for approximately {$200.00}. \nI sent a letter to XXXX. XXXX on XXXX XXXX, 2016 disputing these claims. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I am requesting that XXXX banker removed XXXX and XXXX 2016 hard inquiry of my credit report to many hard inquiry less than 30 days \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I am requesting that XXXX banker removed XXXX and XXXX 2016 hard inquiry of my credit report to many hard inquiry less than 30 days \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX County Reg XXXX. Too old to be on file please delete. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX County Reg XXXX. Too old to be on file please delete. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"i have another name on my account and i have other addresses that i dont live at anymore \n","text":"Company chooses not to provide a public response","context":": i have another name on my account and i have other addresses that i dont live at anymore \n : Company chooses not to provide a public response"},{"Question":"They contact an emergency contact name disclosed in my rental agreement \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They contact an emergency contact name disclosed in my rental agreement \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"the transion is tacking {$17.00} OUT OF MY CHECKING ACCOUNT FOR THE LAST TWO MONTHS AND IVE NOT GIVING THEY PERMISSON TO.SOME ONE HAS STOLE MY BANK ACCOUNT NO AND GIVE IT TO THEM I WONT THEM TO STOP TACKING THE MONEY OUT MY ACCOUNT \n","text":"Company chooses not to provide a public response","context":": the transion is tacking {$17.00} OUT OF MY CHECKING ACCOUNT FOR THE LAST TWO MONTHS AND IVE NOT GIVING THEY PERMISSON TO.SOME ONE HAS STOLE MY BANK ACCOUNT NO AND GIVE IT TO THEM I WONT THEM TO STOP TACKING THE MONEY OUT MY ACCOUNT \n : Company chooses not to provide a public response"},{"Question":"Experian is reporting XXXX on my credit report enclosed this is not mine please remove it asap. \n","text":"Company chooses not to provide a public response","context":": Experian is reporting XXXX on my credit report enclosed this is not mine please remove it asap. \n : Company chooses not to provide a public response"},{"Question":"Someone stole my information and has been using it for several years. He got a drivers license and is working. He has been arrested and has taken out credit. [ sic ] He is ruining me. Please, help me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Someone stole my information and has been using it for several years. He got a drivers license and is working. He has been arrested and has taken out credit. [ sic ] He is ruining me. Please, help me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX names are not mine. Each one has an XXXX inserted into my name which is wrong. This can be checked on my social security account info which I think you have, or on my employer reports ( XXXX, XXXX ) I think. \n","text":"Company chooses not to provide a public response","context":": XXXX names are not mine. Each one has an XXXX inserted into my name which is wrong. This can be checked on my social security account info which I think you have, or on my employer reports ( XXXX, XXXX ) I think. \n : Company chooses not to provide a public response"},{"Question":"I do not owe a single dollar to the creditor it claims but received the letter to send the payment out of blue from the debt collector. This may be a scam. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I do not owe a single dollar to the creditor it claims but received the letter to send the payment out of blue from the debt collector. This may be a scam. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I receive several automated phone calls a week from Enhanced Recovery debt collectors. They do not name the person who owes the money. I do not have any overdue debts. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I receive several automated phone calls a week from Enhanced Recovery debt collectors. They do not name the person who owes the money. I do not have any overdue debts. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I paid my co-pay and XXXX paid their part of the bill. These are extra charges never billed to me but ended up on my credit report. The Collection Agency had removed these charges but put them back on my credit report after I paid XXXX XXXX XXXX XXXX bills. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I paid my co-pay and XXXX paid their part of the bill. These are extra charges never billed to me but ended up on my credit report. The Collection Agency had removed these charges but put them back on my credit report after I paid XXXX XXXX XXXX XXXX bills. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Every time I dispute an item they reduce my credit score \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Every time I dispute an item they reduce my credit score \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Can the bank charge you the new interest rate on an old charge that was subject to the old rate? \n","text":"Company chooses not to provide a public response","context":": Can the bank charge you the new interest rate on an old charge that was subject to the old rate? \n : Company chooses not to provide a public response"},{"Question":"XXXX is sending me a bill for physician services, however I do not believe the debt is mine. I have asked for proof twice, that this is my bill. They still are not providing it to me, I do not spell my first name with a XXXX. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX is sending me a bill for physician services, however I do not believe the debt is mine. I have asked for proof twice, that this is my bill. They still are not providing it to me, I do not spell my first name with a XXXX. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX will not allow me to get my reports. Experian says I need to mail in the request and when I hit next the site times out and starts the whole process all over again. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX will not allow me to get my reports. Experian says I need to mail in the request and when I hit next the site times out and starts the whole process all over again. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me. \n","text":"Company chooses not to provide a public response","context":": Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me. \n : Company chooses not to provide a public response"},{"Question":"I have disputed with XXXX and Accounts Management Svcs several times this account does not belong to me. \n","text":"Company chooses not to provide a public response","context":": I have disputed with XXXX and Accounts Management Svcs several times this account does not belong to me. \n : Company chooses not to provide a public response"},{"Question":"Property tax is not being paid out of escrow account. More then enough funds are available in the account. \nseveral phone calls have been made as well as 6 or 7 emails sent to customer service with no response. \n","text":"Company believes complaint represents an opportunity for improvement to better serve consumers","context":": Property tax is not being paid out of escrow account. More then enough funds are available in the account. \nseveral phone calls have been made as well as 6 or 7 emails sent to customer service with no response. \n : Company believes complaint represents an opportunity for improvement to better serve consumers"},{"Question":"Loancare continues to take my money but not pay my mortgage. XXXX XXXX keeps calling wanting their money. I am 2 months behind on my mortgage but I have never missed a payment. Now I find out Loancare sold out to XXXX XXXX but did not release my funds? \n","text":"Company chooses not to provide a public response","context":": Loancare continues to take my money but not pay my mortgage. XXXX XXXX keeps calling wanting their money. I am 2 months behind on my mortgage but I have never missed a payment. Now I find out Loancare sold out to XXXX XXXX but did not release my funds? \n : Company chooses not to provide a public response"},{"Question":"I have tried 3 times in 6 months to get my free annual Experian credit report on line and by phone. On line does not do anything and no one answers the phone. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have tried 3 times in 6 months to get my free annual Experian credit report on line and by phone. On line does not do anything and no one answers the phone. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"A company Financial Credit Network bought a debt from XXXX XXXX stating I owe {$120.00} on services that I did not render. I will fax over my police Report with a this complaint by fax. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": A company Financial Credit Network bought a debt from XXXX XXXX stating I owe {$120.00} on services that I did not render. I will fax over my police Report with a this complaint by fax. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Former Bank of America mortgage customer. Would like confirmation from CFPB IF my mortgages ( Our mortgage loan # 's were XXXX & XXXX ) were part of the following XXXX XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Former Bank of America mortgage customer. Would like confirmation from CFPB IF my mortgages ( Our mortgage loan # 's were XXXX & XXXX ) were part of the following XXXX XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I recieved a letter from a debt collector who works for XXXX to collet a debt of XXXX The colloctors phone number is XXXX \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I recieved a letter from a debt collector who works for XXXX to collet a debt of XXXX The colloctors phone number is XXXX \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I had made the required payment for my Citi account and they still continue to call. \n","text":"Company chooses not to provide a public response","context":": I had made the required payment for my Citi account and they still continue to call. \n : Company chooses not to provide a public response"},{"Question":"Harassing phone calls multiple times per day from Citimortgage even when my payment is not late. \n","text":"Company chooses not to provide a public response","context":": Harassing phone calls multiple times per day from Citimortgage even when my payment is not late. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX sold my second mortgage to SLS LLC. SLS will not send me statements or provide me a payment history. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX XXXX sold my second mortgage to SLS LLC. SLS will not send me statements or provide me a payment history. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I used to have a secured card with Bk Of America who balance is XXXX and was supposed to be closed and still showing on all XXXX credits reports. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I used to have a secured card with Bk Of America who balance is XXXX and was supposed to be closed and still showing on all XXXX credits reports. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"After being denied credit I requested my credit report from Experian but they say they can not give it to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": After being denied credit I requested my credit report from Experian but they say they can not give it to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"The name XXXX XXXX XXXX XXXX us not my name \n","text":"Company chooses not to provide a public response","context":": The name XXXX XXXX XXXX XXXX us not my name \n : Company chooses not to provide a public response"},{"Question":"the listed personal information is incorrect and needs to be removed and changed. \n\nThe information on CDL is current and correct. \nand my employer is self employed at XXXX XXXX XXXX XXXX XXXX ca XXXX \n","text":"Company chooses not to provide a public response","context":": the listed personal information is incorrect and needs to be removed and changed. \n\nThe information on CDL is current and correct. \nand my employer is self employed at XXXX XXXX XXXX XXXX XXXX ca XXXX \n : Company chooses not to provide a public response"},{"Question":"Incorrect negative credit claims have been included on my credit report form Experian. The claims are from XXXX XXXX in the amount of over {$6000.00}. \nThe negative credit claims do not belong to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Incorrect negative credit claims have been included on my credit report form Experian. The claims are from XXXX XXXX in the amount of over {$6000.00}. \nThe negative credit claims do not belong to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Roundpoint mortgage keeps making mistakes in applying my funds to additional principal. Customer service has kept me on hold waiting for a supervisor for over an hour. \nThis is not the first time this has happened. \n","text":"Company chooses not to provide a public response","context":": Roundpoint mortgage keeps making mistakes in applying my funds to additional principal. Customer service has kept me on hold waiting for a supervisor for over an hour. \nThis is not the first time this has happened. \n : Company chooses not to provide a public response"},{"Question":"central financial put a blemish on my credit report and it is affecting my credit score. The medical bill was paid in full and they are saying it was paid for a lessor amount when it was n't \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": central financial put a blemish on my credit report and it is affecting my credit score. The medical bill was paid in full and they are saying it was paid for a lessor amount when it was n't \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"They have not properly validated this account as mine, nor provided enough information to be certain it even belongs to me. They keep sending same canned response letters. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": They have not properly validated this account as mine, nor provided enough information to be certain it even belongs to me. They keep sending same canned response letters. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"bank of America modification process discrimation \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": bank of America modification process discrimation \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I 've never lived in XXXX Indiana.. This is my x wife.. I 'd like to have removed from my accounts \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I 've never lived in XXXX Indiana.. This is my x wife.. I 'd like to have removed from my accounts \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"They do n't remove creditors after 7 yrs, or when the creditor has been assigned to attorney they potentially negative closed status is on file or status unknown when collection paid this is true with XXXX bank, XXXX, and XXXX \n","text":"Company chooses not to provide a public response","context":": They do n't remove creditors after 7 yrs, or when the creditor has been assigned to attorney they potentially negative closed status is on file or status unknown when collection paid this is true with XXXX bank, XXXX, and XXXX \n : Company chooses not to provide a public response"},{"Question":"experian and XXXX is repeatally sharing and opening old case that should bee close \n","text":"Company chooses not to provide a public response","context":": experian and XXXX is repeatally sharing and opening old case that should bee close \n : Company chooses not to provide a public response"},{"Question":"The interest on my Synchrony Bank Walmart credit card went up without any notice. The banks that own credit cards want to be able to do anything they want to their customers, hiking up the interest rates, since theyre variable. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The interest on my Synchrony Bank Walmart credit card went up without any notice. The banks that own credit cards want to be able to do anything they want to their customers, hiking up the interest rates, since theyre variable. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"On my background check report it states that I have a XXXX misdemeanor however, I have never been arrested in my life. This is inaccurate information and I am the victim of identity theft. \n","text":"Company disputes the facts presented in the complaint","context":": On my background check report it states that I have a XXXX misdemeanor however, I have never been arrested in my life. This is inaccurate information and I am the victim of identity theft. \n : Company disputes the facts presented in the complaint"},{"Question":"I have taken an auto loan, but it is being shown as other loan in my credit report. which might impact my final credit score. \n","text":"Company chooses not to provide a public response","context":": I have taken an auto loan, but it is being shown as other loan in my credit report. which might impact my final credit score. \n : Company chooses not to provide a public response"},{"Question":"I sent a letter to Experian outlining errors on my credit report in XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I sent a letter to Experian outlining errors on my credit report in XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Charged fees in excess of allowable XXXX non-judicial foreclosure fees of {$1500.00}. Did not repsond to mediation request or verify with lender that information was correct. Wrote wrong borrowers names on Notice of Default and failed to respond when notified. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Charged fees in excess of allowable XXXX non-judicial foreclosure fees of {$1500.00}. Did not repsond to mediation request or verify with lender that information was correct. Wrote wrong borrowers names on Notice of Default and failed to respond when notified. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This item shows as XXXX years old and should not be appearing on my credit report. For XXXX it does not ..., XXXX not appearing however for XXXX it is still there. \n","text":"Company chooses not to provide a public response","context":": This item shows as XXXX years old and should not be appearing on my credit report. For XXXX it does not ..., XXXX not appearing however for XXXX it is still there. \n : Company chooses not to provide a public response"},{"Question":"Trans Union is not responding to my requests to investigate, verify and remove accounts from my credit file that do not belong to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Trans Union is not responding to my requests to investigate, verify and remove accounts from my credit file that do not belong to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Bank of America claims departments to request charge backs or disputes or frauds it 's such a hassle, then they say they are gon na do one thing and do n't or do the complete opposite. \n","text":"Company chooses not to provide a public response","context":": Bank of America claims departments to request charge backs or disputes or frauds it 's such a hassle, then they say they are gon na do one thing and do n't or do the complete opposite. \n : Company chooses not to provide a public response"},{"Question":"Have no way to call and settle debt \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Have no way to call and settle debt \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Billed for $ XXXX but upon request received verification for only {$82.00}. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Billed for $ XXXX but upon request received verification for only {$82.00}. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Yes my father stole my mail and cashed XXXX or XXXX checks through his bank account with bank of america, name on the account is XXXX XXXX XXXX, fraudulently signed and endorsed my checks though his bank account, bank of america cashed the checks \n","text":"Company chooses not to provide a public response","context":": Yes my father stole my mail and cashed XXXX or XXXX checks through his bank account with bank of america, name on the account is XXXX XXXX XXXX, fraudulently signed and endorsed my checks though his bank account, bank of america cashed the checks \n : Company chooses not to provide a public response"},{"Question":"i contacted you about an issues with greetree\/ditech. they never address the issues and now have started foreclosure proceeding on XXXX XXXX, 2016 please see case # XXXX your agency sue this company for my very issue, \n","text":"Company believes the complaint is the result of a misunderstanding","context":": i contacted you about an issues with greetree\/ditech. they never address the issues and now have started foreclosure proceeding on XXXX XXXX, 2016 please see case # XXXX your agency sue this company for my very issue, \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Credit bureau refused to block fraudulent account information being reported on my credit report \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Credit bureau refused to block fraudulent account information being reported on my credit report \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Credit bureau refuses to remove fraudulent information after receiving a FTC Fraud Affidavit. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Credit bureau refuses to remove fraudulent information after receiving a FTC Fraud Affidavit. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"i signed of lease as a occupant over the agree of XXXX old which under law does not make responsible for the debt, prior collection agency removed debt because of the fact I do n't have legal responsibility for debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": i signed of lease as a occupant over the agree of XXXX old which under law does not make responsible for the debt, prior collection agency removed debt because of the fact I do n't have legal responsibility for debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The credit limit and and credit balance is being reported incorrectly from all XXXX credit bureaus for my XXXX account. \n","text":"Company chooses not to provide a public response","context":": The credit limit and and credit balance is being reported incorrectly from all XXXX credit bureaus for my XXXX account. \n : Company chooses not to provide a public response"},{"Question":"I do not want this lender to contact me anymore period. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I do not want this lender to contact me anymore period. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Continues to place calls to me at my place of employment although I have asked repeatedly not to. I spoke with a manager XXXX this time who continued to ramble on after I advised again that I can not receive these calls at work. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Continues to place calls to me at my place of employment although I have asked repeatedly not to. I spoke with a manager XXXX this time who continued to ramble on after I advised again that I can not receive these calls at work. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX is mis reporting the date of last activity to Trans Union for my old LOC. The true date of last activity is XX\/XX\/XXXX ( showing correctly in XXXX ) however, on Trans Union it is reporting XX\/XX\/XXXX. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX is mis reporting the date of last activity to Trans Union for my old LOC. The true date of last activity is XX\/XX\/XXXX ( showing correctly in XXXX ) however, on Trans Union it is reporting XX\/XX\/XXXX. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX XXXX treated my dog, overcharged me and they were paid in full. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX treated my dog, overcharged me and they were paid in full. \n : Company chooses not to provide a public response"},{"Question":"I checked my credit report and found a small credit card debt with Macy 's ... but the bill was going to the wrong address. It 's gone into default. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I checked my credit report and found a small credit card debt with Macy 's ... but the bill was going to the wrong address. It 's gone into default. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I claimed bankruptcy last year and bills are from the year before. They should have been discharged \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I claimed bankruptcy last year and bills are from the year before. They should have been discharged \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"First started receiving fake medical bills, and now threats of reporting to credit bureaus \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": First started receiving fake medical bills, and now threats of reporting to credit bureaus \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I am a victim of identity theft. My personal information was used to open an account at XXXX in XXXX 2012. I have already disputed this debt twice. I did not open or authorize this account, and I therefore request that it be closed immediately. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I am a victim of identity theft. My personal information was used to open an account at XXXX in XXXX 2012. I have already disputed this debt twice. I did not open or authorize this account, and I therefore request that it be closed immediately. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I got a title loan with loanmax in XXXX Ohio on my Scion tC, they called and told my husbands boss that our car was going to be repoed when I was unable to make the payment, they did n't verify who they were speaking to before telling our personal information. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I got a title loan with loanmax in XXXX Ohio on my Scion tC, they called and told my husbands boss that our car was going to be repoed when I was unable to make the payment, they did n't verify who they were speaking to before telling our personal information. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Regions banking officials denied my loan request based on age, gender and race. \nMy full explanation has been forwarded, \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Regions banking officials denied my loan request based on age, gender and race. \nMy full explanation has been forwarded, \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I realized my bank had made XXXX payments for homeowner policy when they notified me that my escrow account was short and it resulted in increased monthly payments. \n","text":"Company chooses not to provide a public response","context":": I realized my bank had made XXXX payments for homeowner policy when they notified me that my escrow account was short and it resulted in increased monthly payments. \n : Company chooses not to provide a public response"},{"Question":"I made transferred money to my account and I was told that my account was closed. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I made transferred money to my account and I was told that my account was closed. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"US Bank reported a credit card in my name that I do not recognize nor never applied for. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": US Bank reported a credit card in my name that I do not recognize nor never applied for. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"This is a paid account with XXXX balance. The last date of activity was XXXX 2007. This account should have been removed from my credit report after seven years. \n","text":"Company chooses not to provide a public response","context":": This is a paid account with XXXX balance. The last date of activity was XXXX 2007. This account should have been removed from my credit report after seven years. \n : Company chooses not to provide a public response"},{"Question":"The credit card company withdrew 2 payments from my account without my consent leaving my bank account overdrawn. I contact them and they promised to reimburse my account in 24 hours. It 's been 4 days and I 'm charged with NSF fees. Todate, they have not returned the extra payment. \n","text":"Company chooses not to provide a public response","context":": The credit card company withdrew 2 payments from my account without my consent leaving my bank account overdrawn. I contact them and they promised to reimburse my account in 24 hours. It 's been 4 days and I 'm charged with NSF fees. Todate, they have not returned the extra payment. \n : Company chooses not to provide a public response"},{"Question":"There are XXXX XXXX accounts that are listed on my credit report. Those accounts should be removed from my credit report as the last delinquency date is over 7 1\/2 years old. Experian needs to delete all the XXXX accounts on my credit report. \n","text":"Company chooses not to provide a public response","context":": There are XXXX XXXX accounts that are listed on my credit report. Those accounts should be removed from my credit report as the last delinquency date is over 7 1\/2 years old. Experian needs to delete all the XXXX accounts on my credit report. \n : Company chooses not to provide a public response"},{"Question":"I have n't use my card in days first I was overdraft XXXX than XXXX now XXXX, this bank is n't a honest bank at all, I had to take off my direct deposit so they can stop taking my money. \n","text":"Company chooses not to provide a public response","context":": I have n't use my card in days first I was overdraft XXXX than XXXX now XXXX, this bank is n't a honest bank at all, I had to take off my direct deposit so they can stop taking my money. \n : Company chooses not to provide a public response"},{"Question":"I received a copy of my credit report, and that is when I notice the collection account for National Recovery Agency. I was never notified by the collection company, so I was unable to dispute the account for which they are reporting. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received a copy of my credit report, and that is when I notice the collection account for National Recovery Agency. I was never notified by the collection company, so I was unable to dispute the account for which they are reporting. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Received an unsolicited BankAmericard reward card. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Received an unsolicited BankAmericard reward card. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX is mis reporting to Experian a collection that is 7 years old. It is a reporting a balance of {$500.00} with a date of last activity of XX\/XX\/XXXX in error. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX XXXX is mis reporting to Experian a collection that is 7 years old. It is a reporting a balance of {$500.00} with a date of last activity of XX\/XX\/XXXX in error. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Credit report lists my correct address and XXXX false address where I have never lived. \n","text":"Company chooses not to provide a public response","context":": Credit report lists my correct address and XXXX false address where I have never lived. \n : Company chooses not to provide a public response"},{"Question":"inaccurate information in this account. \nimproper collection practices \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": inaccurate information in this account. \nimproper collection practices \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Debt is for {$1500.00} Now they are asking for {$1700.00} because interest????? \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt is for {$1500.00} Now they are asking for {$1700.00} because interest????? \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I submitted a claim earlier about XXXX XXXX XXXX and gave a description about what happened. The Cash store is another creditor they did the same thing as XXXX in the previous claim. \n","text":"Company chooses not to provide a public response","context":": I submitted a claim earlier about XXXX XXXX XXXX and gave a description about what happened. The Cash store is another creditor they did the same thing as XXXX in the previous claim. \n : Company chooses not to provide a public response"},{"Question":"I rented a car from XXXX XXXX XXXX, returned the car as scheduled only to have the agency charge me for excessive fee, ans still claims that I owe them money \n","text":"Company chooses not to provide a public response","context":": I rented a car from XXXX XXXX XXXX, returned the car as scheduled only to have the agency charge me for excessive fee, ans still claims that I owe them money \n : Company chooses not to provide a public response"},{"Question":"Experian Credit Bureau charged {$21.00} on XXXX\/XXXX\/16 and {$39.00} XXXX\/XXXX\/2016 to my XXXX XXXX XXXX. This is excessive charges that I would like to dispute. \n","text":"Company chooses not to provide a public response","context":": Experian Credit Bureau charged {$21.00} on XXXX\/XXXX\/16 and {$39.00} XXXX\/XXXX\/2016 to my XXXX XXXX XXXX. This is excessive charges that I would like to dispute. \n : Company chooses not to provide a public response"},{"Question":"The vehicle loan is being paid on time as agreed. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The vehicle loan is being paid on time as agreed. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Experian is not responding to my request to investigate, verify and remove accounts from my credit report per The Fair Credit Reporting Act. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian is not responding to my request to investigate, verify and remove accounts from my credit report per The Fair Credit Reporting Act. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"went online to check my credit score and saw that i had an account open with XXXX XXXX, i had never applied for that credit card. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": went online to check my credit score and saw that i had an account open with XXXX XXXX, i had never applied for that credit card. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"took out a {$5000.00} cash advance on my bank account 115.00 % rate could not pay the high cost cash advances is not legal in the state of Arkansas XXXX is reporting these accounts for cash call western sky Delbert collections \n","text":"Company chooses not to provide a public response","context":": took out a {$5000.00} cash advance on my bank account 115.00 % rate could not pay the high cost cash advances is not legal in the state of Arkansas XXXX is reporting these accounts for cash call western sky Delbert collections \n : Company chooses not to provide a public response"},{"Question":"I have XXXX of debt reporting on my credit for over 10 years ago and I had filed a complaint of identity theft years ago .... \n","text":"Company chooses not to provide a public response","context":": I have XXXX of debt reporting on my credit for over 10 years ago and I had filed a complaint of identity theft years ago .... \n : Company chooses not to provide a public response"},{"Question":"TransUnion is reporting a XXXX XXXX on my credit report. This transaction was not initiated by myself it was a towed vehicle that was sold by myself. \n\nTransunion and finex group have no standing in reporting anything on my credit report since this was not initiated by me. \n","text":"Company chooses not to provide a public response","context":": TransUnion is reporting a XXXX XXXX on my credit report. This transaction was not initiated by myself it was a towed vehicle that was sold by myself. \n\nTransunion and finex group have no standing in reporting anything on my credit report since this was not initiated by me. \n : Company chooses not to provide a public response"},{"Question":"I receive collection calls before XXXX ( my time zone ) at least once a week from XXXX regarding a XXXX XXXX Credit Card. \n","text":"Company chooses not to provide a public response","context":": I receive collection calls before XXXX ( my time zone ) at least once a week from XXXX regarding a XXXX XXXX Credit Card. \n : Company chooses not to provide a public response"},{"Question":"I report fraud and there was negative items in my credit report, XXXX and XXXX delete most of these items but Experian never delete any of these items and not allowing me to disputing it any more. \n","text":"Company chooses not to provide a public response","context":": I report fraud and there was negative items in my credit report, XXXX and XXXX delete most of these items but Experian never delete any of these items and not allowing me to disputing it any more. \n : Company chooses not to provide a public response"},{"Question":"Consumer Financial Protection Bureau - Case # XXXX Macy 's account ending in XXXX \n","text":"Company chooses not to provide a public response","context":": Consumer Financial Protection Bureau - Case # XXXX Macy 's account ending in XXXX \n : Company chooses not to provide a public response"},{"Question":"The credit report is showing last payment date incorrectly. The last date paid SHOULD read XXXX 2008 I was hospitalized due to a XXXX in the date that they are showing on my credit report \n","text":"Company chooses not to provide a public response","context":": The credit report is showing last payment date incorrectly. The last date paid SHOULD read XXXX 2008 I was hospitalized due to a XXXX in the date that they are showing on my credit report \n : Company chooses not to provide a public response"},{"Question":"They call evey XXXX minutes between XXXX and XXXX, even after I talk to representive. They even admitted that it was robo calling. \n","text":"Company chooses not to provide a public response","context":": They call evey XXXX minutes between XXXX and XXXX, even after I talk to representive. They even admitted that it was robo calling. \n : Company chooses not to provide a public response"},{"Question":"Hello I am just asking how I can read some of the mortgage company 's response back you gave me a link but it will not let me see that link my complaint number is XXXX \n","text":"Company chooses not to provide a public response","context":": Hello I am just asking how I can read some of the mortgage company 's response back you gave me a link but it will not let me see that link my complaint number is XXXX \n : Company chooses not to provide a public response"},{"Question":"Transunion has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Transunion has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX or experian has me listed as having stayed at XXXX XXXX in XXXX. I never lived there. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX or experian has me listed as having stayed at XXXX XXXX in XXXX. I never lived there. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Shellpoint Mortgage servicing has not paid my taxes since they purchased my loan The money is siting in escrow and I am being charged interest by the NY state government. They have made other errors as well such as listing the wrong mortgage rate. \n","text":"Company believes complaint is the result of an isolated error","context":": Shellpoint Mortgage servicing has not paid my taxes since they purchased my loan The money is siting in escrow and I am being charged interest by the NY state government. They have made other errors as well such as listing the wrong mortgage rate. \n : Company believes complaint is the result of an isolated error"},{"Question":"Keep calling with a very aggressive tone, I stated I would try to make a payment when I can and now they are still calling and threatening me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Keep calling with a very aggressive tone, I stated I would try to make a payment when I can and now they are still calling and threatening me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Hi my bank account was basically stolen and is being withdrawed of a lot of money \n","text":"Company chooses not to provide a public response","context":": Hi my bank account was basically stolen and is being withdrawed of a lot of money \n : Company chooses not to provide a public response"},{"Question":"The refuse to take any action to remove the fraudulent account. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The refuse to take any action to remove the fraudulent account. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"someone give me a fraud check and I suddenly deposit it thru my account. I just wan na help but I did n't realize that check is fraud and he keeps calling me to send him the money after I put in my account. \n","text":"Company chooses not to provide a public response","context":": someone give me a fraud check and I suddenly deposit it thru my account. I just wan na help but I did n't realize that check is fraud and he keeps calling me to send him the money after I put in my account. \n : Company chooses not to provide a public response"},{"Question":"We purchased this property in 2002. Recently we decided to sell the property and can not do this because of undisclosed liens that are showing. DMV is showing a lien that was charged off years prior to our buying this property. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": We purchased this property in 2002. Recently we decided to sell the property and can not do this because of undisclosed liens that are showing. DMV is showing a lien that was charged off years prior to our buying this property. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Office Depot Credit Plan has closed my account after \" review '' of my credit report from XXXX. Complaint made on them separately. Account was not late, had a XXXX balance and paid as agreed since I have had the account. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Office Depot Credit Plan has closed my account after \" review '' of my credit report from XXXX. Complaint made on them separately. Account was not late, had a XXXX balance and paid as agreed since I have had the account. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"We opened an account through GE Capitol i.e syncrony bank and turns out we 're paying way over after only missing XXXX payments. We have banking documents calculating the payments and they 're totally taking money from us. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": We opened an account through GE Capitol i.e syncrony bank and turns out we 're paying way over after only missing XXXX payments. We have banking documents calculating the payments and they 're totally taking money from us. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I was removed from the HAMP Loan Modification Program and foreclosed upon, inadvertently. This statement was in a letter sent to me from Wells Fargo. Please help me, they ruined my families life. \n","text":"Company chooses not to provide a public response","context":": I was removed from the HAMP Loan Modification Program and foreclosed upon, inadvertently. This statement was in a letter sent to me from Wells Fargo. Please help me, they ruined my families life. \n : Company chooses not to provide a public response"},{"Question":"This Bankruptcy is not mine and does not belong to me. I have reported this to all XXXX credit bureaus and they will not re-dispute it. I have provided them with a copy of my police report..","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": This Bankruptcy is not mine and does not belong to me. I have reported this to all XXXX credit bureaus and they will not re-dispute it. I have provided them with a copy of my police report.. : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"The debt is not mine I never had a contract service with XXXX, I had a prepaid service with them that is all. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The debt is not mine I never had a contract service with XXXX, I had a prepaid service with them that is all. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I paid my auto loan on the website and received an email to my personal account with an alert stating that it was suspicious. I will like to know if a third party is receiving my payment. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I paid my auto loan on the website and received an email to my personal account with an alert stating that it was suspicious. I will like to know if a third party is receiving my payment. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have never received notification of this alleged debt of {$200.00}. I have no idea what it is for and why it is on my credit report. I demand immediate removal from XXXX. This has caused my score to drop unnecessarily. \n","text":"Company chooses not to provide a public response","context":": I have never received notification of this alleged debt of {$200.00}. I have no idea what it is for and why it is on my credit report. I demand immediate removal from XXXX. This has caused my score to drop unnecessarily. \n : Company chooses not to provide a public response"},{"Question":"I have an XXXX XXXX XXXX account on my report. i have submitted the correct paperwork provided by the XXXX XXXX XXXX. this account was fraud and should not be posted on my account. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have an XXXX XXXX XXXX account on my report. i have submitted the correct paperwork provided by the XXXX XXXX XXXX. this account was fraud and should not be posted on my account. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Jefferson Capital Systems continues to send me letters to collect a debt for XXXX XXXX that I have already settled. I have sent several letters to Jefferson Capital Systems and have not received a response. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Jefferson Capital Systems continues to send me letters to collect a debt for XXXX XXXX that I have already settled. I have sent several letters to Jefferson Capital Systems and have not received a response. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was n't giving information to cancel or close account \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I was n't giving information to cancel or close account \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have been trying for over a year to get this account off my credit file and I have been unsuccessful. This account is not mine and it has been removed from my credit file at XXXX of the XXXX agencies but it remains on the XXXX, XXXX. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have been trying for over a year to get this account off my credit file and I have been unsuccessful. This account is not mine and it has been removed from my credit file at XXXX of the XXXX agencies but it remains on the XXXX, XXXX. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I noticed information that did not belong to me on my credit report and reached out to this company to dispute that information. When the dispute was finished, however, the information was still on my credit history. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I noticed information that did not belong to me on my credit report and reached out to this company to dispute that information. When the dispute was finished, however, the information was still on my credit history. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Credco applied a hard inquiry to my credit report when I was told it would not show up as one. I asked about my options for a loan not to apply or be approved for one. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Credco applied a hard inquiry to my credit report when I was told it would not show up as one. I asked about my options for a loan not to apply or be approved for one. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I 'm one month behind on my Jarred Jewler bill and they call every two hours. I get as many as 7 calls day. I ca n't answer the phone all the time and I already told them I 'll pay my monthly when I get paid on Friday. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I 'm one month behind on my Jarred Jewler bill and they call every two hours. I get as many as 7 calls day. I ca n't answer the phone all the time and I already told them I 'll pay my monthly when I get paid on Friday. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"On the nigh of XXXX\/XXXX\/2016 to XXXX\/XXXX\/2016 it appeared that Suntrust reorganized my transactions to create more overdraft fees that there should have been had they be posted in the order received. \n","text":"Company chooses not to provide a public response","context":": On the nigh of XXXX\/XXXX\/2016 to XXXX\/XXXX\/2016 it appeared that Suntrust reorganized my transactions to create more overdraft fees that there should have been had they be posted in the order received. \n : Company chooses not to provide a public response"},{"Question":"Received debt collection notice from MCarty, Burgess & Wolff for a debt that is not owed. I confirmed with XXXX that my account was paid off and was never owed a debt. This is a fake collection notice. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Received debt collection notice from MCarty, Burgess & Wolff for a debt that is not owed. I confirmed with XXXX that my account was paid off and was never owed a debt. This is a fake collection notice. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Employee Discrimnation denial of bank accounts closure. Every account that Wells Fargo opens is being close premiered he to stalking Fraudlent charges against the victim account. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Employee Discrimnation denial of bank accounts closure. Every account that Wells Fargo opens is being close premiered he to stalking Fraudlent charges against the victim account. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I disputed a debt with transunion because a collection agency and a creditor report the same XXXX debts. Transunion dont remove any of the entries. \n","text":"Company chooses not to provide a public response","context":": I disputed a debt with transunion because a collection agency and a creditor report the same XXXX debts. Transunion dont remove any of the entries. \n : Company chooses not to provide a public response"},{"Question":"incorrect information-name address, age, race, criminal report. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": incorrect information-name address, age, race, criminal report. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX BANK charged off Account Number : XXXX ... in XXXX, but the Experian is reporting this as charged off in XXXX which is incorrect. I have contacted Experian several times to correct their error, but they refuse to correct the mistake. I \n","text":"Company chooses not to provide a public response","context":": XXXX BANK charged off Account Number : XXXX ... in XXXX, but the Experian is reporting this as charged off in XXXX which is incorrect. I have contacted Experian several times to correct their error, but they refuse to correct the mistake. I \n : Company chooses not to provide a public response"},{"Question":"My Bank transferred funds from XXXX account to another without my authorization. \nMy Bank transferred funds from my saving to my checking. Can a Bank do that, especially when they offered \" overdrawn protection '' and I declined! \n","text":"Company chooses not to provide a public response","context":": My Bank transferred funds from XXXX account to another without my authorization. \nMy Bank transferred funds from my saving to my checking. Can a Bank do that, especially when they offered \" overdrawn protection '' and I declined! \n : Company chooses not to provide a public response"},{"Question":"I previously disputed this Bankruptcy on my account a while ago and it was removed and now I see it is on my account again. \n","text":"Company chooses not to provide a public response","context":": I previously disputed this Bankruptcy on my account a while ago and it was removed and now I see it is on my account again. \n : Company chooses not to provide a public response"},{"Question":"Public Record was disputed and found to have not been validated on XXXX and XXXX ; however Experian reported that it was, with no factual evidence sent as requested to have the item removed or verified. No proof of verification process was provided when asked. \n","text":"Company chooses not to provide a public response","context":": Public Record was disputed and found to have not been validated on XXXX and XXXX ; however Experian reported that it was, with no factual evidence sent as requested to have the item removed or verified. No proof of verification process was provided when asked. \n : Company chooses not to provide a public response"},{"Question":"I have letter from r egion bank stating that i will receive a check. I called again to see how long the Check will take. Now i was told 7 to 10 days. Ok after the 7 days was up i called again. \nNow they say. My account was not effected. I 'm just trying to see it was or wasnt \n","text":"Company chooses not to provide a public response","context":": I have letter from r egion bank stating that i will receive a check. I called again to see how long the Check will take. Now i was told 7 to 10 days. Ok after the 7 days was up i called again. \nNow they say. My account was not effected. I 'm just trying to see it was or wasnt \n : Company chooses not to provide a public response"},{"Question":"Debt was paid in full but shows open on my credit report. I also never received a paid in full fax as I was told I would. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt was paid in full but shows open on my credit report. I also never received a paid in full fax as I was told I would. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There is XXXX address that I never had lived in! Had not lived in XXXX, XXXX. I am concerned about this. I only had lived in XXXX XXXX. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": There is XXXX address that I never had lived in! Had not lived in XXXX, XXXX. I am concerned about this. I only had lived in XXXX XXXX. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Intrusive billing inquiries and charges eating up credit line by hackers \n","text":"Company chooses not to provide a public response","context":": Intrusive billing inquiries and charges eating up credit line by hackers \n : Company chooses not to provide a public response"},{"Question":"I have in my credit twice for a loan for {$480.00} for Midwest Recovery Systems and XXXX and will need notice to remove this from my credit \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have in my credit twice for a loan for {$480.00} for Midwest Recovery Systems and XXXX and will need notice to remove this from my credit \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I am in receipt of correspondence stating that I owe {$120.00} due to XXXX placing my account with a collection agency. I have never had an XXXX account and have never made a sale or purchase on XXXX. \n","text":"Company chooses not to provide a public response","context":": I am in receipt of correspondence stating that I owe {$120.00} due to XXXX placing my account with a collection agency. I have never had an XXXX account and have never made a sale or purchase on XXXX. \n : Company chooses not to provide a public response"},{"Question":"I have disputed information as fraudulent and not being opened by me and they refuse to remove the information from my account. \n","text":"Company chooses not to provide a public response","context":": I have disputed information as fraudulent and not being opened by me and they refuse to remove the information from my account. \n : Company chooses not to provide a public response"},{"Question":"MONTEREY FINANCIAL XXXX WRONGFUL COLLECTIONS PRACTICES FOR THE PAID IN FULL ACCOUNT WITH FAILURE TO VALIDATE THE ACCOUNT WITH DETAILS \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": MONTEREY FINANCIAL XXXX WRONGFUL COLLECTIONS PRACTICES FOR THE PAID IN FULL ACCOUNT WITH FAILURE TO VALIDATE THE ACCOUNT WITH DETAILS \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"My Bank of America credit card was always paid on time and paid in full yet the stated late payments and I settled with them which is false. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My Bank of America credit card was always paid on time and paid in full yet the stated late payments and I settled with them which is false. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I had a medical bill that became delinquent it was giving to I C systems \n","text":"Company chooses not to provide a public response","context":": I had a medical bill that became delinquent it was giving to I C systems \n : Company chooses not to provide a public response"},{"Question":"I applied for a mortgage from Amerisave XX\/XX\/2012 and paid their fees to secure the rate and term. I was baited and switched and never received the loan. This was a scam. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I applied for a mortgage from Amerisave XX\/XX\/2012 and paid their fees to secure the rate and term. I was baited and switched and never received the loan. This was a scam. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Have applied for a Modification due to loss of earnings and have been denied. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Have applied for a Modification due to loss of earnings and have been denied. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Constant calls concerning credit account which is a debt resolution program. Phone nmber calling from - XXXX XXXX XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Constant calls concerning credit account which is a debt resolution program. Phone nmber calling from - XXXX XXXX XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"i do'n owe any money i have excellent credit Experian keep entering out dated information on my report \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": i do'n owe any money i have excellent credit Experian keep entering out dated information on my report \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My mortgage specialist will not return my calls from wells Fargo.They seem intent to continue to foreclose without answering to my concerns .Borrowers with less of a circumstance have modified I am deserving of responses to my left messages \n","text":"Company chooses not to provide a public response","context":": My mortgage specialist will not return my calls from wells Fargo.They seem intent to continue to foreclose without answering to my concerns .Borrowers with less of a circumstance have modified I am deserving of responses to my left messages \n : Company chooses not to provide a public response"},{"Question":"This account should not be as much as it is and I do n't recognize this amount as being true \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This account should not be as much as it is and I do n't recognize this amount as being true \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Somebody put in a fraud alert on me. We are buying a home and the lender just called me and asked me if I did it. I 'm sure it was a collection company out of Florida that did it to muddy up my loan! \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Somebody put in a fraud alert on me. We are buying a home and the lender just called me and asked me if I did it. I 'm sure it was a collection company out of Florida that did it to muddy up my loan! \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"This is not my account. I never lived in XXXX XXXX or opened any accounts there. This is a fraud. I tried calling them and lines are disconnected. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": This is not my account. I never lived in XXXX XXXX or opened any accounts there. This is a fraud. I tried calling them and lines are disconnected. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Calling me on my job and submitting personal information to co-workers in reference to the debt. Also, the debt collector 's attitude and style of questioning was very unprofessional. I felt I was being interrogated while working. \n","text":"Company chooses not to provide a public response","context":": Calling me on my job and submitting personal information to co-workers in reference to the debt. Also, the debt collector 's attitude and style of questioning was very unprofessional. I felt I was being interrogated while working. \n : Company chooses not to provide a public response"},{"Question":"Transunion is reporting XXXX on my credit report enclosed this is not mine please remove it asap. \n","text":"Company chooses not to provide a public response","context":": Transunion is reporting XXXX on my credit report enclosed this is not mine please remove it asap. \n : Company chooses not to provide a public response"},{"Question":"I have a Citibank credit card. I have paid my monthly balance in full. Citi policy states new balance on the credit statement must be paid in full in order not to be charge interest. Yet they have continue to charge my account interest. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have a Citibank credit card. I have paid my monthly balance in full. Citi policy states new balance on the credit statement must be paid in full in order not to be charge interest. Yet they have continue to charge my account interest. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Tried to cancel my recently issued XXXX card ( ownership changed from XXXX to Barclay ) after XXXX phone call attempts to cancel with hold time totally & gt ; 40 minutes, the company told me they were not able to cancel at this time. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Tried to cancel my recently issued XXXX card ( ownership changed from XXXX to Barclay ) after XXXX phone call attempts to cancel with hold time totally & gt ; 40 minutes, the company told me they were not able to cancel at this time. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Debt which is paid in full has been bought by a zombie debt collector and needs to be removed immediately. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Debt which is paid in full has been bought by a zombie debt collector and needs to be removed immediately. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated. date opened is wrong. lots of things wrong on the report \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated. date opened is wrong. lots of things wrong on the report \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"False information submitted on my credit profile from XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX nor a Credit Card with XXXX XXXX XXXX please remove False Information my Credit Profile \n","text":"Company chooses not to provide a public response","context":": False information submitted on my credit profile from XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX nor a Credit Card with XXXX XXXX XXXX please remove False Information my Credit Profile \n : Company chooses not to provide a public response"},{"Question":"My last name is misspelled on my Trans Union credit report. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My last name is misspelled on my Trans Union credit report. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"This status that I received a credit report on XX\/XX\/2015. I did not! I need to see my report so that I can file disputes that may or may not be on there \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": This status that I received a credit report on XX\/XX\/2015. I did not! I need to see my report so that I can file disputes that may or may not be on there \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I did not authorize inquiry and I suspect attempted ID theft. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I did not authorize inquiry and I suspect attempted ID theft. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Experian credit bureau refuses to re-investigate items on my credit report that are inaccurate. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian credit bureau refuses to re-investigate items on my credit report that are inaccurate. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX has an authorized inquiry for XX\/XX\/2016. There was already an inquiry on XX\/XX\/2016 from XXXX. This a duplicate unauthorized inquiry. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX has an authorized inquiry for XX\/XX\/2016. There was already an inquiry on XX\/XX\/2016 from XXXX. This a duplicate unauthorized inquiry. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"filed complaint XX\/XX\/XXXX # XXXX that this is debt is not mine.received letter dated XX\/XX\/XXXX offering discount settlement.never shopped at store listed. ss # listed on debt is not mine \n","text":"Company believes complaint is the result of an isolated error","context":": filed complaint XX\/XX\/XXXX # XXXX that this is debt is not mine.received letter dated XX\/XX\/XXXX offering discount settlement.never shopped at store listed. ss # listed on debt is not mine \n : Company believes complaint is the result of an isolated error"},{"Question":"they keep calling. they wont send any verification of debt. they threaten to come to my place of work and have my boss sign papers. This is not my debt. I have never done business with a company called \" XXXX '' now they placed the debt on my credit file \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": they keep calling. they wont send any verification of debt. they threaten to come to my place of work and have my boss sign papers. This is not my debt. I have never done business with a company called \" XXXX '' now they placed the debt on my credit file \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There are several questionable problems with my reports as in medical, credit card information and the fact that I had to purchase my free credit report. \n","text":"Company chooses not to provide a public response","context":": There are several questionable problems with my reports as in medical, credit card information and the fact that I had to purchase my free credit report. \n : Company chooses not to provide a public response"},{"Question":"I want to have this issue removed from XXXX and XXXX as well \n","text":"Company chooses not to provide a public response","context":": I want to have this issue removed from XXXX and XXXX as well \n : Company chooses not to provide a public response"},{"Question":"I have submitted a dispute to TransUnion regarding duplicate accounts on my credit report. \nXXXX is listed on my credit report twice. Please advise why the same information is on my account twice and lists the same information. \n","text":"Company chooses not to provide a public response","context":": I have submitted a dispute to TransUnion regarding duplicate accounts on my credit report. \nXXXX is listed on my credit report twice. Please advise why the same information is on my account twice and lists the same information. \n : Company chooses not to provide a public response"},{"Question":"Experian is reporting a judgment : XXXX\/XXXX\/2010 XXXX XXXX XXXX XXXX {$19000.00} This does not belong to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian is reporting a judgment : XXXX\/XXXX\/2010 XXXX XXXX XXXX XXXX {$19000.00} This does not belong to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I reached an agreement with Universal Acceptance Corporation to settle my account for {$1000.00}, which, I paid with my XXXX XXXX XXXX debit card. I want UAC to send me a letter of confirmation and the release of lien document. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I reached an agreement with Universal Acceptance Corporation to settle my account for {$1000.00}, which, I paid with my XXXX XXXX XXXX debit card. I want UAC to send me a letter of confirmation and the release of lien document. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"they contacted me at work \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": they contacted me at work \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"No it 's my hard inquiries \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": No it 's my hard inquiries \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have bank accounts and other improper usage on my credit report \n","text":"Company chooses not to provide a public response","context":": I have bank accounts and other improper usage on my credit report \n : Company chooses not to provide a public response"},{"Question":"Suntrust Bank acquired several fraudulent student fin'l aid loans in my name. They refuse to discuss these with me and provide chain of possession information about them. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Suntrust Bank acquired several fraudulent student fin'l aid loans in my name. They refuse to discuss these with me and provide chain of possession information about them. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Based on the Making Home Affordable Program Performance Report through XX\/XX\/2015, of the XXXX Tier II modification awarded by Wells Fargo, how many home owners from the XXXX XXXX, XXXX XXXX XXXX received these modifications? \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Based on the Making Home Affordable Program Performance Report through XX\/XX\/2015, of the XXXX Tier II modification awarded by Wells Fargo, how many home owners from the XXXX XXXX, XXXX XXXX XXXX received these modifications? \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Have received collection notice but never received a bill from the supposed creditor. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Have received collection notice but never received a bill from the supposed creditor. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"This company refuses to provide verification and validation of debt. i have never had a XXXX memebership \n","text":"Company can't verify or dispute the facts in the complaint","context":": This company refuses to provide verification and validation of debt. i have never had a XXXX memebership \n : Company can't verify or dispute the facts in the complaint"},{"Question":"I settled with XXXX bank and XXXX XXXX XXXX and they are still reporting my full original balance due on credit report. \n","text":"Company chooses not to provide a public response","context":": I settled with XXXX bank and XXXX XXXX XXXX and they are still reporting my full original balance due on credit report. \n : Company chooses not to provide a public response"},{"Question":"I do not have proof this is my debt. \n","text":"Company chooses not to provide a public response","context":": I do not have proof this is my debt. \n : Company chooses not to provide a public response"},{"Question":"I have requested verification and validation of debt several times and this company refuses to provide any information to me. I am disputing this debt because its not mine. I also dont believe this company is bonded to collect in my state. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have requested verification and validation of debt several times and this company refuses to provide any information to me. I am disputing this debt because its not mine. I also dont believe this company is bonded to collect in my state. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They call and ask me all kinds of personal information. When I ask what it is about they say they wo n't tell me until I verify personal information. I wo n't do it. They wo n't stop calling. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": They call and ask me all kinds of personal information. When I ask what it is about they say they wo n't tell me until I verify personal information. I wo n't do it. They wo n't stop calling. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Collector keeps calling at my place of employment. It is a recorded call, so if anyone else answers the call them they may be able to access my information. I asked collector to not call my at work, as I am not allowed to have personal calls on a business line. \n","text":"Company believes complaint is the result of an isolated error","context":": Collector keeps calling at my place of employment. It is a recorded call, so if anyone else answers the call them they may be able to access my information. I asked collector to not call my at work, as I am not allowed to have personal calls on a business line. \n : Company believes complaint is the result of an isolated error"},{"Question":"My credit report contain medical bills that 's is not mine did n't see a XXXX doctor i have n't had any XXXX trouble.there 's is also XXXX doctor i have n't had an XXXX since 2003 \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": My credit report contain medical bills that 's is not mine did n't see a XXXX doctor i have n't had any XXXX trouble.there 's is also XXXX doctor i have n't had an XXXX since 2003 \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Trans Union failed to follow Federal Law and remove items identified and possible ID Theft from credit report. \n","text":"Company chooses not to provide a public response","context":": Trans Union failed to follow Federal Law and remove items identified and possible ID Theft from credit report. \n : Company chooses not to provide a public response"},{"Question":"My credit card accounts was close for no reason. I have been a customer for over 20 years and this is absolutely ridiculous. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My credit card accounts was close for no reason. I have been a customer for over 20 years and this is absolutely ridiculous. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Repeatedly calling after being told not to on a recorded line. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Repeatedly calling after being told not to on a recorded line. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Trans Union is not responding to my request to investigate, verify and remove XXXX account from my credit file. \n","text":"Company chooses not to provide a public response","context":": Trans Union is not responding to my request to investigate, verify and remove XXXX account from my credit file. \n : Company chooses not to provide a public response"},{"Question":"Upon reviewing my XXXX Credit Report, I came across an account for an unsecured loan, I do not recognize from XXXX\/XXXX\/2009. It states paid with a XXXX balance and current. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Upon reviewing my XXXX Credit Report, I came across an account for an unsecured loan, I do not recognize from XXXX\/XXXX\/2009. It states paid with a XXXX balance and current. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"This debt is so old it is way past the statute of limitations. I have not had a XXXX phone for more than 5 years and ERC is trying to collect on the debt. I have no other records of last payment bu I know it was more than 5 years. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This debt is so old it is way past the statute of limitations. I have not had a XXXX phone for more than 5 years and ERC is trying to collect on the debt. I have no other records of last payment bu I know it was more than 5 years. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"wells chg me XXXX on XXXX\/XXXX\/15 there is supposed to be no chg as this is a short sale. \n\nWeells is supposed to pay all atty cost, XXXX XXXX and to me XXXX in moving cost. \n\nThey have yet to get a closing date on this pty. \n","text":"Company chooses not to provide a public response","context":": wells chg me XXXX on XXXX\/XXXX\/15 there is supposed to be no chg as this is a short sale. \n\nWeells is supposed to pay all atty cost, XXXX XXXX and to me XXXX in moving cost. \n\nThey have yet to get a closing date on this pty. \n : Company chooses not to provide a public response"},{"Question":"On XXXX\/XXXX\/2015 I applied with \" XXXX XXXX XXXX '' on line to refinance my student loan. And I was wrongfully \" denied '' credit based on the numerous \" False Information '' that the \" Experian '' Credit Bureau has in my credit file due to my being the victim of \" Identity Theft. '' \n","text":"Company chooses not to provide a public response","context":": On XXXX\/XXXX\/2015 I applied with \" XXXX XXXX XXXX '' on line to refinance my student loan. And I was wrongfully \" denied '' credit based on the numerous \" False Information '' that the \" Experian '' Credit Bureau has in my credit file due to my being the victim of \" Identity Theft. '' \n : Company chooses not to provide a public response"},{"Question":"I have not stepped foot into a XXXX. I want to dispute this and take it off my credit reports. \n","text":"Company chooses not to provide a public response","context":": I have not stepped foot into a XXXX. I want to dispute this and take it off my credit reports. \n : Company chooses not to provide a public response"},{"Question":"I have disputed these accounts as being fraudulent and not my accounts or opened by me. They have refused to remove the accounts or have removed them at XXXX time and then re added them to my credit file. \n","text":"Company chooses not to provide a public response","context":": I have disputed these accounts as being fraudulent and not my accounts or opened by me. They have refused to remove the accounts or have removed them at XXXX time and then re added them to my credit file. \n : Company chooses not to provide a public response"},{"Question":"There is duplicate student loans on my report. They have been closed on XXXX accounts and transferred. My student loans have been 90 % paid for. The information on my reports are inaccurate. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": There is duplicate student loans on my report. They have been closed on XXXX accounts and transferred. My student loans have been 90 % paid for. The information on my reports are inaccurate. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Someone stole my personal information these debt collectors are trying to collect {$660.00} say I have a bill in my name that I am unaware of \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Someone stole my personal information these debt collectors are trying to collect {$660.00} say I have a bill in my name that I am unaware of \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"the Doctor bill or paid but they are sending a bad reports to XXXX credit agency \n","text":"Company chooses not to provide a public response","context":": the Doctor bill or paid but they are sending a bad reports to XXXX credit agency \n : Company chooses not to provide a public response"},{"Question":"TFC Title Loan promised a submission of notice to the credit agnecys for completing my loan, XX\/XX\/2015. That never happened. \nI have the letter and payment schedule. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": TFC Title Loan promised a submission of notice to the credit agnecys for completing my loan, XX\/XX\/2015. That never happened. \nI have the letter and payment schedule. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Through CFPB, XXXX XXXX XXXX XXXX XXXX closed this account. \nExplanation of closure : \" Terminated collection efforts and notified the bureaus to delete our trade line. '' Case # XXXX XXXX\/XXXX\/2015 \n","text":"Company chooses not to provide a public response","context":": Through CFPB, XXXX XXXX XXXX XXXX XXXX closed this account. \nExplanation of closure : \" Terminated collection efforts and notified the bureaus to delete our trade line. '' Case # XXXX XXXX\/XXXX\/2015 \n : Company chooses not to provide a public response"},{"Question":"I can not access my credit report on XXXX out of the XXXX sites without using my sister in law 's ( same odd name ) information to answer the XXXX initial security questions. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I can not access my credit report on XXXX out of the XXXX sites without using my sister in law 's ( same odd name ) information to answer the XXXX initial security questions. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"TransUnion refused to provide Credit Score to a Lender, XXXX XXXX XXXX, whereby I am denied a Home Loan. \nAnd refusing to provide me with credit report, inspite of providing all required documents multiple times since XXXX 2015. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": TransUnion refused to provide Credit Score to a Lender, XXXX XXXX XXXX, whereby I am denied a Home Loan. \nAnd refusing to provide me with credit report, inspite of providing all required documents multiple times since XXXX 2015. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"The company National Credit Management ( Rep. XXXX XXXX ) has contacted my place of employment multiple times when being told by my employer that I can not take phone calls unless important, as well as been told by myself to not contact me at work. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The company National Credit Management ( Rep. XXXX XXXX ) has contacted my place of employment multiple times when being told by my employer that I can not take phone calls unless important, as well as been told by myself to not contact me at work. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX XXXX submitted a hard inquiry on XXXX\/XXXX\/2015 to Experian Credit Bureau. I have no knowledge of this company. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX XXXX submitted a hard inquiry on XXXX\/XXXX\/2015 to Experian Credit Bureau. I have no knowledge of this company. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"REMOVE THE HARD INQUIRY WHICH WAS DONE WITHOUT MY PERMISSION ON THE XXXX\/XXXX\/16 XXXX\/XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": REMOVE THE HARD INQUIRY WHICH WAS DONE WITHOUT MY PERMISSION ON THE XXXX\/XXXX\/16 XXXX\/XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX XXXX reported a hard inquiry to Experian Credit Bureau on XXXX\/XXXX\/15. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX reported a hard inquiry to Experian Credit Bureau on XXXX\/XXXX\/15. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX reported a hard inquiry to Experian Credit Bureau on XXXX\/XXXX\/2015, without my knowledge. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX reported a hard inquiry to Experian Credit Bureau on XXXX\/XXXX\/2015, without my knowledge. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My credit report is a mixed file. It contains the address, name and credit accounts of someone in my family with the same\/similar name. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My credit report is a mixed file. It contains the address, name and credit accounts of someone in my family with the same\/similar name. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX in XXXX, Georgia. Need to provide itemized list of charges instead constantly call during work hours demanding money. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX XXXX XXXX in XXXX, Georgia. Need to provide itemized list of charges instead constantly call during work hours demanding money. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX reported a hard inquiry on my Experian Credit Bureau on XXXX\/XXXX\/14. I have no knowledge of what this company is. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX reported a hard inquiry on my Experian Credit Bureau on XXXX\/XXXX\/14. I have no knowledge of what this company is. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My social has been used, so I would like to get it investigated. \n","text":"Company chooses not to provide a public response","context":": My social has been used, so I would like to get it investigated. \n : Company chooses not to provide a public response"},{"Question":"In response to my prior complaint IQ stated they would reduce the amount of my balance, which I continue to dispute, but they are still reporting the incorrect balance on my credit reports. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": In response to my prior complaint IQ stated they would reduce the amount of my balance, which I continue to dispute, but they are still reporting the incorrect balance on my credit reports. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Debt collector called me threats to send me to jail never states the call recording or the fact she is a debt collector. Told me I had my end of week or police and state will prosecute me. \n","text":"Company believes complaint is the result of an isolated error","context":": Debt collector called me threats to send me to jail never states the call recording or the fact she is a debt collector. Told me I had my end of week or police and state will prosecute me. \n : Company believes complaint is the result of an isolated error"},{"Question":"I called this agency in order to know what is this account and they totally denied to gave information and ask me to pay the debt no matter what. They do not want to gave any information. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I called this agency in order to know what is this account and they totally denied to gave information and ask me to pay the debt no matter what. They do not want to gave any information. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I disputed with Experian about an account with XXXX # XXXX and they claimed they verified it, This acccount does not belong to me!! \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I disputed with Experian about an account with XXXX # XXXX and they claimed they verified it, This acccount does not belong to me!! \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Debt is unknown to me and cci can not provide details regarding debt orgination or dtails of the type of debt \n","text":"Company chooses not to provide a public response","context":": Debt is unknown to me and cci can not provide details regarding debt orgination or dtails of the type of debt \n : Company chooses not to provide a public response"},{"Question":"My report said I have a mortgage loan n a car loan out n I have neither \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My report said I have a mortgage loan n a car loan out n I have neither \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX is saying no is no past due balance on my account \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX is saying no is no past due balance on my account \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I had no insurance and was XXXX and given pills I did n't need and forced to stay against my will then charged for it \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I had no insurance and was XXXX and given pills I did n't need and forced to stay against my will then charged for it \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I Have never been employed at XXXX XXXX. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I Have never been employed at XXXX XXXX. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"A LOCAL MAN STOLE FUNDS FROM ME AND MY MOM. HE JUST PLED GUILTY - HOWEVER I AM HAVING A HARD TIME FROM THE BANK TO RETURN THE STOLEN CHECKS\/ MONEY. THE CRIMINALS NAME IS XXXX XXXX - HIS SENTENCING IS XXXX\/XXXX\/16 \n","text":"Company chooses not to provide a public response","context":": A LOCAL MAN STOLE FUNDS FROM ME AND MY MOM. HE JUST PLED GUILTY - HOWEVER I AM HAVING A HARD TIME FROM THE BANK TO RETURN THE STOLEN CHECKS\/ MONEY. THE CRIMINALS NAME IS XXXX XXXX - HIS SENTENCING IS XXXX\/XXXX\/16 \n : Company chooses not to provide a public response"},{"Question":"The company Progressive management at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX filed on my credit report for a debt for XXXX XXXX who is of new relation to me and I have never been married to \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The company Progressive management at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX filed on my credit report for a debt for XXXX XXXX who is of new relation to me and I have never been married to \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received this letter from this company demanding money. To my knowledge this company has never provided me service and nor have I ever agreed to pay for said services \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received this letter from this company demanding money. To my knowledge this company has never provided me service and nor have I ever agreed to pay for said services \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"the XXXX as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": the XXXX as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Bank of America is over charging me overdraft fee on a payment which was XXXX XXXX,2015 and it was paid XXXX XXXX 2015 \n","text":"Company chooses not to provide a public response","context":": Bank of America is over charging me overdraft fee on a payment which was XXXX XXXX,2015 and it was paid XXXX XXXX 2015 \n : Company chooses not to provide a public response"},{"Question":"My personal information along with my addresses are not mine XXXX of those addresses are not me at all!!!! \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": My personal information along with my addresses are not mine XXXX of those addresses are not me at all!!!! \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"They call at least 20-30 times a day, using the following phone numbers : XXXX, XXXX, XXXX, XXXX, and never leave a message. This disturbs my work time often. \n","text":"Company disputes the facts presented in the complaint","context":": They call at least 20-30 times a day, using the following phone numbers : XXXX, XXXX, XXXX, XXXX, and never leave a message. This disturbs my work time often. \n : Company disputes the facts presented in the complaint"},{"Question":"Submitted multiple complaints that all were decided in the consumers favor as Navy Federal continues to disregard original guidance and decisions from CFPB. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Submitted multiple complaints that all were decided in the consumers favor as Navy Federal continues to disregard original guidance and decisions from CFPB. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I get repeated calls from Open Road Lending and I do n't have any loan accounts with this agency. Please stop the calls \n","text":"Company disputes the facts presented in the complaint","context":": I get repeated calls from Open Road Lending and I do n't have any loan accounts with this agency. Please stop the calls \n : Company disputes the facts presented in the complaint"},{"Question":"I received a notice on XXXX\/XXXX\/16 that my mortgage was being transferred from my current mortgage company to another one, effective XXXX\/XXXX\/16. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I received a notice on XXXX\/XXXX\/16 that my mortgage was being transferred from my current mortgage company to another one, effective XXXX\/XXXX\/16. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have requested verification and validation of this debt and this company refuses to provide. I also disputed on my creditreport and this company never could answer my dispute. Now they have put this back on my creditreport under a different amount i do not owe. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I have requested verification and validation of this debt and this company refuses to provide. I also disputed on my creditreport and this company never could answer my dispute. Now they have put this back on my creditreport under a different amount i do not owe. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"Transunion ALLOWED XXXX to do a HARD PULL on my credit. See proof that their \" collections '' was removed from my credit. AND yet they allow a HARD PULL!! \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Transunion ALLOWED XXXX to do a HARD PULL on my credit. See proof that their \" collections '' was removed from my credit. AND yet they allow a HARD PULL!! \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"repeatedly calling me at XXXX XXXX regardless of me telling them to stop calling this early. Im not ignoring their calls during other times of the day. tTey never call during the day. \n","text":"Company chooses not to provide a public response","context":": repeatedly calling me at XXXX XXXX regardless of me telling them to stop calling this early. Im not ignoring their calls during other times of the day. tTey never call during the day. \n : Company chooses not to provide a public response"},{"Question":"the company XXXX ( not trans union, XXXX.XXXX ) reported wrongful inquires on my bureaus. XXXX and XXXX of XXXX please these XXXX individuals misused my credit XXXX-inquireies \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": the company XXXX ( not trans union, XXXX.XXXX ) reported wrongful inquires on my bureaus. XXXX and XXXX of XXXX please these XXXX individuals misused my credit XXXX-inquireies \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Ive been homeless in a shelter in XXXX for the last 2 years but my report says a mortgage leoan is out in my name as of XXXX XXXX and a bank card is out in my name as of XXXX \n","text":"Company chooses not to provide a public response","context":": Ive been homeless in a shelter in XXXX for the last 2 years but my report says a mortgage leoan is out in my name as of XXXX XXXX and a bank card is out in my name as of XXXX \n : Company chooses not to provide a public response"},{"Question":"Company refuses to validate the debt \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Company refuses to validate the debt \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX XXXX XXXX - Arizona Routing XXXX Acct last XXXX : XXXX Never owned personal bank account in XXXX or XXXX. \nnever had XXXX Account with bank \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX - Arizona Routing XXXX Acct last XXXX : XXXX Never owned personal bank account in XXXX or XXXX. \nnever had XXXX Account with bank \n : Company chooses not to provide a public response"},{"Question":"I received this letter from this company demanding that I pay them for services that they never rendered to me. I never signed a contract with this company. This is the 3rd time that a collection agency has tried to get me to pay this alleged debt \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received this letter from this company demanding that I pay them for services that they never rendered to me. I never signed a contract with this company. This is the 3rd time that a collection agency has tried to get me to pay this alleged debt \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Hi, I repeatedly get calls at my employer after asking this company to not contact me at work. They call several times per day. They have not provided me with any written verification of any debt owed to them. \n","text":"Company chooses not to provide a public response","context":": Hi, I repeatedly get calls at my employer after asking this company to not contact me at work. They call several times per day. They have not provided me with any written verification of any debt owed to them. \n : Company chooses not to provide a public response"},{"Question":"THIS ACCOUNT DOES NOT BELONG TO ME. \n\nXXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT IS STOPPING ME FROM GETTING A JOB. \n","text":"Company chooses not to provide a public response","context":": THIS ACCOUNT DOES NOT BELONG TO ME. \n\nXXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT IS STOPPING ME FROM GETTING A JOB. \n : Company chooses not to provide a public response"},{"Question":"The terms of the credit card changed from receiving a free night on an every award stay of XXXX nights or greater to only receiving XXXX free night a year if I spend XXXX on the credit card. \n","text":"Company chooses not to provide a public response","context":": The terms of the credit card changed from receiving a free night on an every award stay of XXXX nights or greater to only receiving XXXX free night a year if I spend XXXX on the credit card. \n : Company chooses not to provide a public response"},{"Question":"They are calling my cell phone and work number every hour to 15 minutes ... \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": They are calling my cell phone and work number every hour to 15 minutes ... \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Account is settled and I would like it moved from closed collections to removed collections. the collection company is National credit management. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Account is settled and I would like it moved from closed collections to removed collections. the collection company is National credit management. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Upon reviewing my XXXX credit report, it showed I still have an open line of credit since XXXX\/XXXX\/2010, from a credit union I had my checking and savings accounts with until I moved to SC. These accts. have been closed for 6 years. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Upon reviewing my XXXX credit report, it showed I still have an open line of credit since XXXX\/XXXX\/2010, from a credit union I had my checking and savings accounts with until I moved to SC. These accts. have been closed for 6 years. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I XXXX are requesting as of XXXX\/XXXX\/2016 a temporary credit freeze be place on my credit file at Equifax XXXX and XXXX and all other national credit reporting agency. \n","text":"Company chooses not to provide a public response","context":": I XXXX are requesting as of XXXX\/XXXX\/2016 a temporary credit freeze be place on my credit file at Equifax XXXX and XXXX and all other national credit reporting agency. \n : Company chooses not to provide a public response"},{"Question":"they are calling my family members, my job my cell phone and they are calling everyday, more than 5 times a day for the last two weeks. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": they are calling my family members, my job my cell phone and they are calling everyday, more than 5 times a day for the last two weeks. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Ditech has failed to properly apply HAMP loan modifcation incentives. \n","text":"Company believes complaint is the result of an isolated error","context":": Ditech has failed to properly apply HAMP loan modifcation incentives. \n : Company believes complaint is the result of an isolated error"},{"Question":"I cant access my credit report, maybe my DOB incorrect or my name was misspell, thanks. \n","text":"Company chooses not to provide a public response","context":": I cant access my credit report, maybe my DOB incorrect or my name was misspell, thanks. \n : Company chooses not to provide a public response"},{"Question":"payment are not bein applied as should. Threaten phone calls. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": payment are not bein applied as should. Threaten phone calls. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"My bankruptcy was XXXX\/XXXX\/09. Should n't this now be off of my credit report? \n","text":"Company chooses not to provide a public response","context":": My bankruptcy was XXXX\/XXXX\/09. Should n't this now be off of my credit report? \n : Company chooses not to provide a public response"},{"Question":"Debt continues to be reported as an unpaid collection account. This was paid in full nearly 30 days ago and verification of that payment was provided to this collection agency via certified mail with return receipt attached. \n","text":"Company chooses not to provide a public response","context":": Debt continues to be reported as an unpaid collection account. This was paid in full nearly 30 days ago and verification of that payment was provided to this collection agency via certified mail with return receipt attached. \n : Company chooses not to provide a public response"},{"Question":"case # XXXX Shellpoint Mortgage sent the power of attorney from the wrong company. It should have been XXXX XXXX not XXXX \n","text":"Company believes complaint is the result of an isolated error","context":": case # XXXX Shellpoint Mortgage sent the power of attorney from the wrong company. It should have been XXXX XXXX not XXXX \n : Company believes complaint is the result of an isolated error"},{"Question":"My lawyer is trying to charge my credit card and the card can not be charged. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My lawyer is trying to charge my credit card and the card can not be charged. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have XXXX inquiry analysis that were not requested by me. XXXX on XXXX\/XXXX\/2016, XXXX XXXX on XXXX\/XXXX\/2016, and XXXX XXXX XXXX XXXX XXXX onXX\/XX\/2016 \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have XXXX inquiry analysis that were not requested by me. XXXX on XXXX\/XXXX\/2016, XXXX XXXX on XXXX\/XXXX\/2016, and XXXX XXXX XXXX XXXX XXXX onXX\/XX\/2016 \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"my credit report have an account close with pending balance of {$630.00} from Allen Asoc. i do n't what is this. was reported as public record and is affecting negatively my fico score. \n","text":"Company disputes the facts presented in the complaint","context":": my credit report have an account close with pending balance of {$630.00} from Allen Asoc. i do n't what is this. was reported as public record and is affecting negatively my fico score. \n : Company disputes the facts presented in the complaint"},{"Question":"I recently this past year have been randomly getting mail from this creditor with pat off options in which I do NOT owe. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I recently this past year have been randomly getting mail from this creditor with pat off options in which I do NOT owe. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Ditech mortgage is misapplying my full payment to cover an escrow shortage. This is making my account appear to be delinquent. They have done this the past 2 months. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Ditech mortgage is misapplying my full payment to cover an escrow shortage. This is making my account appear to be delinquent. They have done this the past 2 months. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I received a collection notice stating that I owed a cable company {$66.00}. I cancelled my service with that company and returned all equipment and was told my balance was paid in full. I never received any other bill or communication from the cable company. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I received a collection notice stating that I owed a cable company {$66.00}. I cancelled my service with that company and returned all equipment and was told my balance was paid in full. I never received any other bill or communication from the cable company. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"There are accounts open dating back to 2010, home loans and credit cards open under my information. I was in XXXX school at that time therefore have not opened a home loan, recently became an adult, i have never started my credit. \n","text":"Company chooses not to provide a public response","context":": There are accounts open dating back to 2010, home loans and credit cards open under my information. I was in XXXX school at that time therefore have not opened a home loan, recently became an adult, i have never started my credit. \n : Company chooses not to provide a public response"},{"Question":"These agencies are giving the wrong conviction of my criminal background. My final conviction was a XXXX, not a felony. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": These agencies are giving the wrong conviction of my criminal background. My final conviction was a XXXX, not a felony. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"While waiting on loss migigation nationwide advadvantage sold our home \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": While waiting on loss migigation nationwide advadvantage sold our home \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This is not my debt. IC SYSTEMS continues to report it to the credit bureaus. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": This is not my debt. IC SYSTEMS continues to report it to the credit bureaus. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I purchased a XXXX vehicle in XXXX of this year. I think I may have been a victim of discriminatory auto loan pricing. I have a relatively high interest rate and was quoted a down payment. Then later the next day I was required to make an additional down payment. \n","text":"Company chooses not to provide a public response","context":": I purchased a XXXX vehicle in XXXX of this year. I think I may have been a victim of discriminatory auto loan pricing. I have a relatively high interest rate and was quoted a down payment. Then later the next day I was required to make an additional down payment. \n : Company chooses not to provide a public response"},{"Question":"I got a letter - after closing COMPLETELY about 1 year ago - that said I was delinquent on my loan. This could not be possible bc I closed at a Title company and got a payoff confirmation. The letter came from someone who is posing as US Bank at XXXX. \n","text":"Company chooses not to provide a public response","context":": I got a letter - after closing COMPLETELY about 1 year ago - that said I was delinquent on my loan. This could not be possible bc I closed at a Title company and got a payoff confirmation. The letter came from someone who is posing as US Bank at XXXX. \n : Company chooses not to provide a public response"},{"Question":"This number keep calling me everyday telling me I owe XXXX money, but double checked with XXXX, I do n't owe them money. \n","text":"Company chooses not to provide a public response","context":": This number keep calling me everyday telling me I owe XXXX money, but double checked with XXXX, I do n't owe them money. \n : Company chooses not to provide a public response"},{"Question":"I have a collection showing up on my credit report that never happened \n","text":"Company believes complaint is the result of an isolated error","context":": I have a collection showing up on my credit report that never happened \n : Company believes complaint is the result of an isolated error"},{"Question":"I tried to obtain my annual free credit report. I was unable to do so. It looks like my credit has been stolen! \n","text":"Company chooses not to provide a public response","context":": I tried to obtain my annual free credit report. I was unable to do so. It looks like my credit has been stolen! \n : Company chooses not to provide a public response"},{"Question":"Violation of mortgage. \nMortgage FRAUD \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Violation of mortgage. \nMortgage FRAUD \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I do not believe I even owe this company any money. Some person on their behalf emailed me a threatening email claiming arrest warrants, contact my employer and garnish wages. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I do not believe I even owe this company any money. Some person on their behalf emailed me a threatening email claiming arrest warrants, contact my employer and garnish wages. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"XXXX XXXX XXXX has XXXX collection agency attempting to collect on the same debt. No one has provided me with proof of debt. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX XXXX XXXX has XXXX collection agency attempting to collect on the same debt. No one has provided me with proof of debt. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Both my checking, savings, and credit card account was close for no reason. Citibank was the first bank account I ever opened and one day I just received letters saying they have decided to close my account without stating why. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Both my checking, savings, and credit card account was close for no reason. Citibank was the first bank account I ever opened and one day I just received letters saying they have decided to close my account without stating why. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I got the Transunion free credit report, which took a lot of work, then I had to leave and when I returned several hours later, it said I had to pay for it. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I got the Transunion free credit report, which took a lot of work, then I had to leave and when I returned several hours later, it said I had to pay for it. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? \nIt was n't there in XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? \nIt was n't there in XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? \nIt was n't there in XX\/XX\/XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX \n","text":"Company chooses not to provide a public response","context":": I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? \nIt was n't there in XX\/XX\/XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX \n : Company chooses not to provide a public response"},{"Question":"Somebody cashed a fake check with a fake signature ( which the bank did not catch ), emptying my account and now Wells Fargo refuses to refund the amount stolen. \n","text":"Company chooses not to provide a public response","context":": Somebody cashed a fake check with a fake signature ( which the bank did not catch ), emptying my account and now Wells Fargo refuses to refund the amount stolen. \n : Company chooses not to provide a public response"},{"Question":"I was sent an agreement to reduce garnishment withholding but the amount I owe was n't on the notice. When I called the rep could n't give me the exact amount of what I owe and break down did n't add up. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I was sent an agreement to reduce garnishment withholding but the amount I owe was n't on the notice. When I called the rep could n't give me the exact amount of what I owe and break down did n't add up. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"this account is pulling my credit score by being on my credit. please remove this account from my credit file. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": this account is pulling my credit score by being on my credit. please remove this account from my credit file. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I was only comparing rates for a mortgage. House was paid as a cash purchase. No mortage was required. \n","text":"Company chooses not to provide a public response","context":": I was only comparing rates for a mortgage. House was paid as a cash purchase. No mortage was required. \n : Company chooses not to provide a public response"},{"Question":"Hunter warfield has been calling me for two years straight over 10 times per day in regards to collecting a debt that does n't belong to me. I 've spoken with them about this yet and still they call. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": Hunter warfield has been calling me for two years straight over 10 times per day in regards to collecting a debt that does n't belong to me. I 've spoken with them about this yet and still they call. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I have check my credit report and it said that I owe this agency {$750.00} from a verizion account that I do not have and this agency have been reporting this account to these credit companys and now my credit is starting to decline \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have check my credit report and it said that I owe this agency {$750.00} from a verizion account that I do not have and this agency have been reporting this account to these credit companys and now my credit is starting to decline \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I placed {$2000.00} on deposit was never paid any interest on my deposit charged interest on my own money and than denied when I lost my job for the insurance I had paid for. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I placed {$2000.00} on deposit was never paid any interest on my deposit charged interest on my own money and than denied when I lost my job for the insurance I had paid for. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Progressive Financial Services is calling a business office trying to collect a debt. We have told them numerous times to stop calling. We keep telling them that they are calling a business and the person they are trying to reach can not be reached at our business phone number. \n","text":"Company chooses not to provide a public response","context":": Progressive Financial Services is calling a business office trying to collect a debt. We have told them numerous times to stop calling. We keep telling them that they are calling a business and the person they are trying to reach can not be reached at our business phone number. \n : Company chooses not to provide a public response"},{"Question":"hard inquires were pulled on my credit without my authorization i need it removed its hard for me to get credit. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": hard inquires were pulled on my credit without my authorization i need it removed its hard for me to get credit. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I was wrongfully charged overdraft fees \n","text":"Company chooses not to provide a public response","context":": I was wrongfully charged overdraft fees \n : Company chooses not to provide a public response"},{"Question":"I 'm a victim of identity theft someone took my information and opened up accounts in my name and I just found out about it this is unbelievable it 's killing. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I 'm a victim of identity theft someone took my information and opened up accounts in my name and I just found out about it this is unbelievable it 's killing. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Receiving numerous calls from United Revenue. Phone XXXX. Do n't know who this is and why they are calling me as I 'm on the Do Not Call Registry. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Receiving numerous calls from United Revenue. Phone XXXX. Do n't know who this is and why they are calling me as I 'm on the Do Not Call Registry. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have never lived on XXXX in XXXX or XXXX in XXXX, that should appear on XXXX XXXX report. How could you confuse XXXX completely different SSN and DOB and foul up the information? \n","text":"Company chooses not to provide a public response","context":": I have never lived on XXXX in XXXX or XXXX in XXXX, that should appear on XXXX XXXX report. How could you confuse XXXX completely different SSN and DOB and foul up the information? \n : Company chooses not to provide a public response"},{"Question":"I paid AMCA in XXXX or XXXX, it was settled at {$300.00} and it is still on my credit report. \n","text":"Company believes complaint is the result of an isolated error","context":": I paid AMCA in XXXX or XXXX, it was settled at {$300.00} and it is still on my credit report. \n : Company believes complaint is the result of an isolated error"},{"Question":"BOA is requiring approximately 3 times the amounts due for escrow. Please provide a copy of any relevant regulation. \n","text":"Company chooses not to provide a public response","context":": BOA is requiring approximately 3 times the amounts due for escrow. Please provide a copy of any relevant regulation. \n : Company chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX - XXXX accounts - is still reporting on my credit report and the accounts were opened back in 2007. I thought they were supposed to be removed after 7 years. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX - XXXX accounts - is still reporting on my credit report and the accounts were opened back in 2007. I thought they were supposed to be removed after 7 years. \n : Company chooses not to provide a public response"},{"Question":"Is this a legitimate organization? I had to provide my social security number and address to get them to remove my name from their mailing list. Then I got a follow up mailing piece asking me to sign my confirmation to not receive any more offers from their organization. \n","text":"Company chooses not to provide a public response","context":": Is this a legitimate organization? I had to provide my social security number and address to get them to remove my name from their mailing list. Then I got a follow up mailing piece asking me to sign my confirmation to not receive any more offers from their organization. \n : Company chooses not to provide a public response"},{"Question":"XXXX unknown names appear on my credit report. \n","text":"Company chooses not to provide a public response","context":": XXXX unknown names appear on my credit report. \n : Company chooses not to provide a public response"},{"Question":"They call EVERY XXXX and 3 times a day! \nToday, XXXX XXXX, 2016 they already called my home at XXXX then at XXXX and again at XXXX. They call over the weekend too. \nAs far as I 'm concerned, this is harassment. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": They call EVERY XXXX and 3 times a day! \nToday, XXXX XXXX, 2016 they already called my home at XXXX then at XXXX and again at XXXX. They call over the weekend too. \nAs far as I 'm concerned, this is harassment. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"A inappropriate fee was charged to my account, along with an associated inappropriate interest charge. The credit card company has not responded to, or acknowledged, my dispute of these charges. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": A inappropriate fee was charged to my account, along with an associated inappropriate interest charge. The credit card company has not responded to, or acknowledged, my dispute of these charges. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I had a XXXX XXXX Credit Card that the account was closed in XX\/XX\/XXXX. I received information from XXXX XXXX on XXXX XXXX, XXXX that included statements that were mailed to my previous residence. I never received the notices. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I had a XXXX XXXX Credit Card that the account was closed in XX\/XX\/XXXX. I received information from XXXX XXXX on XXXX XXXX, XXXX that included statements that were mailed to my previous residence. I never received the notices. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"this company has checked my credit without my authorization i never gave them authorization but received a letter telling me that there sorry but application has been declined i never applied for anything with them \n","text":"Company chooses not to provide a public response","context":": this company has checked my credit without my authorization i never gave them authorization but received a letter telling me that there sorry but application has been declined i never applied for anything with them \n : Company chooses not to provide a public response"},{"Question":"wells, XXXX teachers fed cr union in ny, and myself were not serve notice from the hoa. I therefore should not be responsible why the hoa did not serve us. Condo was forclouse and new title issue on XXXX XXXX, wells paid pty taxes on XXXX XXXX and town should issue a refund to wells \n","text":"Company chooses not to provide a public response","context":": wells, XXXX teachers fed cr union in ny, and myself were not serve notice from the hoa. I therefore should not be responsible why the hoa did not serve us. Condo was forclouse and new title issue on XXXX XXXX, wells paid pty taxes on XXXX XXXX and town should issue a refund to wells \n : Company chooses not to provide a public response"},{"Question":"I have a XXXX XXXX account on my Transunion credit report that I had investigated last year as a fraud account. After 30 days of investigation the item was removed. At this present time XXXX XXXX is active on my report again. \n","text":"Company chooses not to provide a public response","context":": I have a XXXX XXXX account on my Transunion credit report that I had investigated last year as a fraud account. After 30 days of investigation the item was removed. At this present time XXXX XXXX is active on my report again. \n : Company chooses not to provide a public response"},{"Question":"This person can barely speak english and has repeatedly called threatening legal action but will not tell me what it is for. They have called me, my employer, and family members giving out my information \n","text":"Company believes complaint represents an opportunity for improvement to better serve consumers","context":": This person can barely speak english and has repeatedly called threatening legal action but will not tell me what it is for. They have called me, my employer, and family members giving out my information \n : Company believes complaint represents an opportunity for improvement to better serve consumers"},{"Question":"I was unfairly treated by you mortgage dept I will be happy to discuss this my phone number is XXXX XXXX XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I was unfairly treated by you mortgage dept I will be happy to discuss this my phone number is XXXX XXXX XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I reviewed my credit report from experian and saw that a telephone # XXXX is listed as my residence. This is a family residence and I do not live there. The correct residence telephone # is XXXX only. \n","text":"Company chooses not to provide a public response","context":": I reviewed my credit report from experian and saw that a telephone # XXXX is listed as my residence. This is a family residence and I do not live there. The correct residence telephone # is XXXX only. \n : Company chooses not to provide a public response"},{"Question":"I have been with Navy Federal credit union for five years and paying my bills through bill pay and now they are taking a {$1.00} without even letting me no they where charging a fee \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have been with Navy Federal credit union for five years and paying my bills through bill pay and now they are taking a {$1.00} without even letting me no they where charging a fee \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"REAL TIME RESOLUTIONS IS CONTACTING ME ABOUT AN {$84000.00} BILL FOR A PROPERTY I DO NOT OWE \n","text":"Company disputes the facts presented in the complaint","context":": REAL TIME RESOLUTIONS IS CONTACTING ME ABOUT AN {$84000.00} BILL FOR A PROPERTY I DO NOT OWE \n : Company disputes the facts presented in the complaint"},{"Question":"Best buy credit card Citibank refuses to allow me to opt out and provide a copy of my choices. I have requested this 3 times and they refuse to comply. \n","text":"Company chooses not to provide a public response","context":": Best buy credit card Citibank refuses to allow me to opt out and provide a copy of my choices. I have requested this 3 times and they refuse to comply. \n : Company chooses not to provide a public response"},{"Question":"Wells Fargo add XXXX {$35.00} overdraft fees the same day I had a direct deposit in my checking account. In addition they add {$12.00} fee for moving money from my saving to checking account. This is in sane and worst than the shark loans. \n","text":"Company chooses not to provide a public response","context":": Wells Fargo add XXXX {$35.00} overdraft fees the same day I had a direct deposit in my checking account. In addition they add {$12.00} fee for moving money from my saving to checking account. This is in sane and worst than the shark loans. \n : Company chooses not to provide a public response"},{"Question":"Macy 's did not ever notify me that Citi Bank was taking over management of their credit card. Had I known Citi Bank was managing the card I would have stopped using it and made arrangements to close it. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Macy 's did not ever notify me that Citi Bank was taking over management of their credit card. Had I known Citi Bank was managing the card I would have stopped using it and made arrangements to close it. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My dealer made me purchase their extended warrant and GAP insurance. I do not need or want it. \n","text":"Company chooses not to provide a public response","context":": My dealer made me purchase their extended warrant and GAP insurance. I do not need or want it. \n : Company chooses not to provide a public response"},{"Question":"Macy 's did not inform me that my interest rate increased to 18.99 % the end of XXXX 2015. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Macy 's did not inform me that my interest rate increased to 18.99 % the end of XXXX 2015. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Did not receive a notice that debt was due until after it was sent to credit bureaus. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Did not receive a notice that debt was due until after it was sent to credit bureaus. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This company has had more than enough time to provide me with a signed contract and needs to remove its information from my credit report immediately. My identity has been stolen so only a signed contract will do. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": This company has had more than enough time to provide me with a signed contract and needs to remove its information from my credit report immediately. My identity has been stolen so only a signed contract will do. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"This where I draw the line these folks knew I was a veteran, and dislocated worker and when they jacked up the fees. I did pull back because there is no way in XXXX I am paying that. Now too many months went by. \n","text":"Company disputes the facts presented in the complaint","context":": This where I draw the line these folks knew I was a veteran, and dislocated worker and when they jacked up the fees. I did pull back because there is no way in XXXX I am paying that. Now too many months went by. \n : Company disputes the facts presented in the complaint"},{"Question":"Random \" Payment Safeguard '' fee applied to my credit card each month without my knowledge nor enrollment. Have been charged for the past year, during which time I was not receiving paper statements and had set up automatic payments, and was no using my credit card in any other way. \n","text":"Company chooses not to provide a public response","context":": Random \" Payment Safeguard '' fee applied to my credit card each month without my knowledge nor enrollment. Have been charged for the past year, during which time I was not receiving paper statements and had set up automatic payments, and was no using my credit card in any other way. \n : Company chooses not to provide a public response"},{"Question":"My mortgage and equity loan have numerous issues that are detailed in an attachment. My mortgage loan has been sent to a foreclosure attorney of Bank of America. I have requested verification of the debt and have received no response. \n","text":"Company chooses not to provide a public response","context":": My mortgage and equity loan have numerous issues that are detailed in an attachment. My mortgage loan has been sent to a foreclosure attorney of Bank of America. I have requested verification of the debt and have received no response. \n : Company chooses not to provide a public response"},{"Question":"I agreed to setup payment for my medical, but they still reported it to my credit even after the bill was paid. \n","text":"Company believes complaint is the result of an isolated error","context":": I agreed to setup payment for my medical, but they still reported it to my credit even after the bill was paid. \n : Company believes complaint is the result of an isolated error"},{"Question":"I closed on a home in XXXX of 2015 with a XXXX loan. The contractor was negligent and the original lender WesStar Mortgage ; now with XXXX. XXXX is refusing to honor the original bid. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I closed on a home in XXXX of 2015 with a XXXX loan. The contractor was negligent and the original lender WesStar Mortgage ; now with XXXX. XXXX is refusing to honor the original bid. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"CSO Financial sent me a debt collection notice on XX\/XX\/2016, claiming that I owe XXXX for \" XXXX XXXX Overdraft & XXXX ''. \n\nI have never had an account at XXXX Bank, and I do not owe this debt. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": CSO Financial sent me a debt collection notice on XX\/XX\/2016, claiming that I owe XXXX for \" XXXX XXXX Overdraft & XXXX ''. \n\nI have never had an account at XXXX Bank, and I do not owe this debt. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have stuff on my credit report that does not belong to me, I go by XXXX not XXXX. I want the stuff removed that is listed for XXXX. with experian \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have stuff on my credit report that does not belong to me, I go by XXXX not XXXX. I want the stuff removed that is listed for XXXX. with experian \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX refuses to allow me to dispute the information that is old and should be be removed \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX refuses to allow me to dispute the information that is old and should be be removed \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Collector was informed that I can not receive phone calls at work. Continues to call my place of employment. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Collector was informed that I can not receive phone calls at work. Continues to call my place of employment. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX is mis reporting the date of last activity to Experian and XXXX for my old mortgage. The true date of last activity is XX\/XX\/XXXX however, on Experian and XXXX it is reporting XX\/XX\/XXXX. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX is mis reporting the date of last activity to Experian and XXXX for my old mortgage. The true date of last activity is XX\/XX\/XXXX however, on Experian and XXXX it is reporting XX\/XX\/XXXX. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"TransUnion has reported misinformation concerning possibly auto loan and mortgage loan. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": TransUnion has reported misinformation concerning possibly auto loan and mortgage loan. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My Ex Girl friend had trouble talking to Bank Of America I got on the phone to help her I 'm not a user on the Account. \nI had an Account with Bank of America and they misappropriated funds that is how they got my information \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My Ex Girl friend had trouble talking to Bank Of America I got on the phone to help her I 'm not a user on the Account. \nI had an Account with Bank of America and they misappropriated funds that is how they got my information \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Amount of {$100.00} has been paid to \" Collection SVC of Athens '' as of XXXX. Both parties agreed that this record will not show nor appear on any of XXXX credit bureaus and any credit reports hence making payment. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Amount of {$100.00} has been paid to \" Collection SVC of Athens '' as of XXXX. Both parties agreed that this record will not show nor appear on any of XXXX credit bureaus and any credit reports hence making payment. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Never could receive my credit report from Experian who has the wrong birth date. I can not even see it because it says I am a XXXX. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Never could receive my credit report from Experian who has the wrong birth date. I can not even see it because it says I am a XXXX. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"their is company called XXXX that re reported me after the time limit has expired and after they deleted me experian has not helped in removing them even that i sent the prove which you will find in attachment \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": their is company called XXXX that re reported me after the time limit has expired and after they deleted me experian has not helped in removing them even that i sent the prove which you will find in attachment \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I terminated payroll service with Bank of America XXXX last year. This year they started changing my credit card again for the service which I am not using. I send them emails but they are unresponsive. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I terminated payroll service with Bank of America XXXX last year. This year they started changing my credit card again for the service which I am not using. I send them emails but they are unresponsive. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have been trying to get my annual free credit report from all the agency so that i can dispute whats on their and every time they keep telling me i have to pay to get a report from them. \n","text":"Company chooses not to provide a public response","context":": I have been trying to get my annual free credit report from all the agency so that i can dispute whats on their and every time they keep telling me i have to pay to get a report from them. \n : Company chooses not to provide a public response"},{"Question":"The criminal history section on my report is inaccurate. \n","text":"Company chooses not to provide a public response","context":": The criminal history section on my report is inaccurate. \n : Company chooses not to provide a public response"},{"Question":"Disputed this XXXX account with both XXXX and Experian multiple times. Experian continues to verify. XXXX has agreed to delete this account and request removal from all bureaus. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Disputed this XXXX account with both XXXX and Experian multiple times. Experian continues to verify. XXXX has agreed to delete this account and request removal from all bureaus. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My account I had with Credit Acceptance was paid in full on XXXX 2010. It is currently being reported as \" charged-off '' and a \" collection '' account on my XXXX credit reports. \n","text":"Company chooses not to provide a public response","context":": My account I had with Credit Acceptance was paid in full on XXXX 2010. It is currently being reported as \" charged-off '' and a \" collection '' account on my XXXX credit reports. \n : Company chooses not to provide a public response"},{"Question":"I discovered this just listed on my credit report within the past 30 days. I have received no notification, no mail, from Enhanced Recovery about this alleged debt. They simply out it on my credit report without notifying me of my legal rights. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I discovered this just listed on my credit report within the past 30 days. I have received no notification, no mail, from Enhanced Recovery about this alleged debt. They simply out it on my credit report without notifying me of my legal rights. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have attempted several times to get my credit report from transunion. I sent in proper id and still am unable to receive my report from them. This is affecting me in obtaining credit. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have attempted several times to get my credit report from transunion. I sent in proper id and still am unable to receive my report from them. This is affecting me in obtaining credit. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have been trying to get my free credit report from them and each time they telling me i have to pay to get the report. \n","text":"Company chooses not to provide a public response","context":": I have been trying to get my free credit report from them and each time they telling me i have to pay to get the report. \n : Company chooses not to provide a public response"},{"Question":"I informed them i will make payments on the matter but they keep calling 5 to 6 times a day \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I informed them i will make payments on the matter but they keep calling 5 to 6 times a day \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Paid over {$20000.00} for a {$5000.00} loan.I wish to add that since taking out this loan, I have moved from XXXX XXXX XXXX, XXXX, Ky XXXX. I was harrassed endlessly regarding this loan and was insulted on the phone by a collector. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Paid over {$20000.00} for a {$5000.00} loan.I wish to add that since taking out this loan, I have moved from XXXX XXXX XXXX, XXXX, Ky XXXX. I was harrassed endlessly regarding this loan and was insulted on the phone by a collector. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"According to TransUnion the have in Public Records under docket # XXXX stating I file a chapter XXXX in XX\/XX\/2009. I did not and I am faxing over my police report as proof that my identity was used without my permission. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": According to TransUnion the have in Public Records under docket # XXXX stating I file a chapter XXXX in XX\/XX\/2009. I did not and I am faxing over my police report as proof that my identity was used without my permission. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Debt was paid in full on XXXX\/XXXX\/16 ( see attached e-check receipts ) however it continues to be reported as an unpaid collection debt to the credit reporting agencies. \n","text":"Company chooses not to provide a public response","context":": Debt was paid in full on XXXX\/XXXX\/16 ( see attached e-check receipts ) however it continues to be reported as an unpaid collection debt to the credit reporting agencies. \n : Company chooses not to provide a public response"},{"Question":"There is a negative mark against me that should have been taken off years ago! \n","text":"Company chooses not to provide a public response","context":": There is a negative mark against me that should have been taken off years ago! \n : Company chooses not to provide a public response"},{"Question":"My account was charged a levy fee but I do n't owe anyone money. I only receive {$310.00} each month to live. This fee and overdraft fees along with extended overdraft fees have caused severe hardship. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": My account was charged a levy fee but I do n't owe anyone money. I only receive {$310.00} each month to live. This fee and overdraft fees along with extended overdraft fees have caused severe hardship. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I was charged interest on my Visa credit card by the Bank of America on money I had already paid them back. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I was charged interest on my Visa credit card by the Bank of America on money I had already paid them back. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I went to XXXX for my education, and the cost was so high that when a federal loan would n't cover the cost XXXX used a company by the name of PEAK Loan which runs a 13 % interest rate. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I went to XXXX for my education, and the cost was so high that when a federal loan would n't cover the cost XXXX used a company by the name of PEAK Loan which runs a 13 % interest rate. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I sent a letter to Transunion outlining errors on my credit report in XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I sent a letter to Transunion outlining errors on my credit report in XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"There is around XXXX credit cards open in my behalf that i have n't authorize. And is affecting my credit score. \n","text":"Company chooses not to provide a public response","context":": There is around XXXX credit cards open in my behalf that i have n't authorize. And is affecting my credit score. \n : Company chooses not to provide a public response"},{"Question":"Sallie Mae continues to call me at my place of employment. I work at XXXX and they have called over 4 times and have been asked to stop numerous times. They were asked to take the number off the list and continue to call threatning my job! \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Sallie Mae continues to call me at my place of employment. I work at XXXX and they have called over 4 times and have been asked to stop numerous times. They were asked to take the number off the list and continue to call threatning my job! \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"The due date on my credit card payment falls on XXXX XXXX, 2016, Sunday. Since it was a Sunday, I paid it on XXXX XXXX, 2016, Monday. That same day, XXXX XXXX, 2016 the credit card company charge me for {$25.00} late fee. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": The due date on my credit card payment falls on XXXX XXXX, 2016, Sunday. Since it was a Sunday, I paid it on XXXX XXXX, 2016, Monday. That same day, XXXX XXXX, 2016 the credit card company charge me for {$25.00} late fee. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX addresses reported on my report are incorrect, I have never lived at either XXXX XXXX XXXX XXXX in XXXX, Tx. or XXXX XXXX XXXX XXXX in XXXX, Tx.. I would appreciate these entries being removed. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX addresses reported on my report are incorrect, I have never lived at either XXXX XXXX XXXX XXXX in XXXX, Tx. or XXXX XXXX XXXX XXXX in XXXX, Tx.. I would appreciate these entries being removed. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"ACCOUNT SERVICES COLLS ARE REPORTING A {$140.00} FOR A MEDICAL BILL FOR XXXX THAT MYH INSURANCE HAS ALREADY PAID. XXXX AND XXXX HAVE SINCE REMOVED THIS DEBT AFTER MY INQUIRING FOR VALIDITY. NO VALIDITY COUND BE PROVIDED AND THE ACCOUNT WAS REMOVED. I NEED XXXX TO DO THE SAME ASAP. \n","text":"Company chooses not to provide a public response","context":": ACCOUNT SERVICES COLLS ARE REPORTING A {$140.00} FOR A MEDICAL BILL FOR XXXX THAT MYH INSURANCE HAS ALREADY PAID. XXXX AND XXXX HAVE SINCE REMOVED THIS DEBT AFTER MY INQUIRING FOR VALIDITY. NO VALIDITY COUND BE PROVIDED AND THE ACCOUNT WAS REMOVED. I NEED XXXX TO DO THE SAME ASAP. \n : Company chooses not to provide a public response"},{"Question":"Pinnacle Credit Services is repeatedly calling my mother-in-law, threatening that I am going to jail. I have never received verification or validation that this debt belongs to me. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Pinnacle Credit Services is repeatedly calling my mother-in-law, threatening that I am going to jail. I have never received verification or validation that this debt belongs to me. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I filed bankruptcy and XXXX XXXX was left on my credit report an I had no balance and it lowered my score \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I filed bankruptcy and XXXX XXXX was left on my credit report an I had no balance and it lowered my score \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I paid my loan on XXXX XXXX and it 's still showing up negative when I actually paid up until XX\/XX\/XXXX \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I paid my loan on XXXX XXXX and it 's still showing up negative when I actually paid up until XX\/XX\/XXXX \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"My refi application process has stalled, my loan officer is not responding to emails. \n","text":"Company chooses not to provide a public response","context":": My refi application process has stalled, my loan officer is not responding to emails. \n : Company chooses not to provide a public response"},{"Question":"when I was unemployed I made my payment and it was fully paid \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": when I was unemployed I made my payment and it was fully paid \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Talked to Bank of America representatives on XX\/XX\/2016 about refund of bank withdrawal on XX\/XX\/2016. It is XX\/XX\/XXXX, more than forty days have passed, they have not returned the XXXX $ back to my account. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Talked to Bank of America representatives on XX\/XX\/2016 about refund of bank withdrawal on XX\/XX\/2016. It is XX\/XX\/XXXX, more than forty days have passed, they have not returned the XXXX $ back to my account. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"UNITED REVENUE CORPORATION IS REPORTING XXXX ACCOUNTS LISTED FOR A XXXX WHICH IS NOT ME. YET THEY KEEP REPORTING ON MY CREDIT REPORT WITH XXXX. I HAVE FILED A POLICE REPORT AND NEED THIS INFORMATION CORRECTED IMMEDIATELY. \n\nACCOUNT # XXXX \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": UNITED REVENUE CORPORATION IS REPORTING XXXX ACCOUNTS LISTED FOR A XXXX WHICH IS NOT ME. YET THEY KEEP REPORTING ON MY CREDIT REPORT WITH XXXX. I HAVE FILED A POLICE REPORT AND NEED THIS INFORMATION CORRECTED IMMEDIATELY. \n\nACCOUNT # XXXX \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Cable TV I returned equipment and paid what I owed. They have me in collection. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Cable TV I returned equipment and paid what I owed. They have me in collection. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for Experian and my husbands was for XXXX. Please correct this problem so we can get copies of our reports. \n","text":"Company chooses not to provide a public response","context":": Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for Experian and my husbands was for XXXX. Please correct this problem so we can get copies of our reports. \n : Company chooses not to provide a public response"},{"Question":"Experian is not responding to my request to investigate and correct accounts in my credit report that are reporting incorrectly. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian is not responding to my request to investigate and correct accounts in my credit report that are reporting incorrectly. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"This company knowingly did business with a company that breaks the law and violates people 's rights under the FDCPA. I demand they remove any information from my credit report. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": This company knowingly did business with a company that breaks the law and violates people 's rights under the FDCPA. I demand they remove any information from my credit report. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Selling a mortgage that is in a remic that has no filings with the sec ever I want some answers? \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Selling a mortgage that is in a remic that has no filings with the sec ever I want some answers? \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Our property tax bill was not paid by Santander even though we escrow our taxes and have more than ample funds in our account to pay the taxes. We are now faced with interest, penalties and a lien on our home. \n","text":"Company chooses not to provide a public response","context":": Our property tax bill was not paid by Santander even though we escrow our taxes and have more than ample funds in our account to pay the taxes. We are now faced with interest, penalties and a lien on our home. \n : Company chooses not to provide a public response"},{"Question":"XXXX, XXXX are the same account and they are reflecting XXXX separate accounts which are driving my credit score down. \n","text":"Company chooses not to provide a public response","context":": XXXX, XXXX are the same account and they are reflecting XXXX separate accounts which are driving my credit score down. \n : Company chooses not to provide a public response"},{"Question":"The Ditech company keeps sending me a collection notice on property that I have never owned or had loans on this property. They say I have a loan from this company when i do n't. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The Ditech company keeps sending me a collection notice on property that I have never owned or had loans on this property. They say I have a loan from this company when i do n't. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Bank of America would not let me open account without providing my ssn \n","text":"Company chooses not to provide a public response","context":": Bank of America would not let me open account without providing my ssn \n : Company chooses not to provide a public response"},{"Question":"My Son was taken by an XXXX and the company used his insurance and is trying to collect the deductible from me. I am not responsible for this debit becaus my son is not a minor. I have disputed this debit. \n","text":"Company disputes the facts presented in the complaint","context":": My Son was taken by an XXXX and the company used his insurance and is trying to collect the deductible from me. I am not responsible for this debit becaus my son is not a minor. I have disputed this debit. \n : Company disputes the facts presented in the complaint"},{"Question":"When my son moved out, the post office also forwarded mail in my maiden name and reported his apartment address ( XXXX ) on my credit report, but I never lived there and still live\/own my house on XXXX XXXX XXXX Attached are current utility bills. \n","text":"Company chooses not to provide a public response","context":": When my son moved out, the post office also forwarded mail in my maiden name and reported his apartment address ( XXXX ) on my credit report, but I never lived there and still live\/own my house on XXXX XXXX XXXX Attached are current utility bills. \n : Company chooses not to provide a public response"},{"Question":"Never received a bill from XXXX XXXX XXXX of XXXX XXXX, CA, and without making reasonable attempts to contact me, XXXX XXXX XXXX passed the bill along to a debt collector, CMRE Financial Services Inc. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Never received a bill from XXXX XXXX XXXX of XXXX XXXX, CA, and without making reasonable attempts to contact me, XXXX XXXX XXXX passed the bill along to a debt collector, CMRE Financial Services Inc. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I send XXXX dollars to XXXX to my brother-in-law in his bank account ( XXXX XXXX ) on XXXX\/XXXX\/2016 but money is still not deposited into account. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I send XXXX dollars to XXXX to my brother-in-law in his bank account ( XXXX XXXX ) on XXXX\/XXXX\/2016 but money is still not deposited into account. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I would like to talk to someone about my lender, XXXX XXXX. Who has n't been answering my phone calls and gave me a false rate on my mortgage. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": I would like to talk to someone about my lender, XXXX XXXX. Who has n't been answering my phone calls and gave me a false rate on my mortgage. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"XXXX PULLED MY CREDIT WITHOUT PERMISSION AND IS UNLAWFULLY REPRTING THIS ACCOUNT ON MY WIFES CREDIT REPORTS IN VIOLATION OF FCRA, FDCPA AND DODD-FRANK ACT. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": XXXX PULLED MY CREDIT WITHOUT PERMISSION AND IS UNLAWFULLY REPRTING THIS ACCOUNT ON MY WIFES CREDIT REPORTS IN VIOLATION OF FCRA, FDCPA AND DODD-FRANK ACT. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I found this on my credit report without me even knowing. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I found this on my credit report without me even knowing. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"These alleged accounts opened without consent. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": These alleged accounts opened without consent. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!! \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!! \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I hAve XXXX hard inquiries that I have not done. \nXXXX transunionXXXX XXXXSays made XX\/XX\/2015Please Investigate and take off my report. I am trying to fix my credit not damage it. \n","text":"Company chooses not to provide a public response","context":": I hAve XXXX hard inquiries that I have not done. \nXXXX transunionXXXX XXXXSays made XX\/XX\/2015Please Investigate and take off my report. I am trying to fix my credit not damage it. \n : Company chooses not to provide a public response"},{"Question":"I was an XXXX for a company and 17 months after starting with them. They ran a credit report on me without telling me an without my authorization. \n","text":"Company chooses not to provide a public response","context":": I was an XXXX for a company and 17 months after starting with them. They ran a credit report on me without telling me an without my authorization. \n : Company chooses not to provide a public response"},{"Question":"My account was charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't. \n","text":"Company chooses not to provide a public response","context":": My account was charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't. \n : Company chooses not to provide a public response"},{"Question":"continued attempt to collect the debt which is not mine, also hitting using various sources in different names, heading and hitting my credit history via credit reporting agency. \n","text":"Company chooses not to provide a public response","context":": continued attempt to collect the debt which is not mine, also hitting using various sources in different names, heading and hitting my credit history via credit reporting agency. \n : Company chooses not to provide a public response"},{"Question":"Experian does not have any account reporting for my XXXX XXXX accounts. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian does not have any account reporting for my XXXX XXXX accounts. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"XXXX continues not to update my credit file with all XXXX bureaus they state foreclosure an wrong amount I owe. \n","text":"Company chooses not to provide a public response","context":": XXXX continues not to update my credit file with all XXXX bureaus they state foreclosure an wrong amount I owe. \n : Company chooses not to provide a public response"},{"Question":"I have contacted Transunion several times but they just wo n't fix this. My XXXX XXXX credit card that I pay on time each month is not showing ( card # ending XXXX ). \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have contacted Transunion several times but they just wo n't fix this. My XXXX XXXX credit card that I pay on time each month is not showing ( card # ending XXXX ). \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Bank of America Home Loans is charging a {$6.00} surcharge for online payments, even though the payments are on time and not late. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Bank of America Home Loans is charging a {$6.00} surcharge for online payments, even though the payments are on time and not late. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have been battling with Barclay Bank for almost a year, they have over-charged me on interest fees and late fees which are not valid. I can not seem to get anywhere with them and my balance never decreases. I have contacted them and I need immediate assistance with this. \n","text":"Company chooses not to provide a public response","context":": I have been battling with Barclay Bank for almost a year, they have over-charged me on interest fees and late fees which are not valid. I can not seem to get anywhere with them and my balance never decreases. I have contacted them and I need immediate assistance with this. \n : Company chooses not to provide a public response"},{"Question":"hi, the date of bankruptcy is inaccurate on \" '' EXPERIAN '' '' the accurate date is XX\/XX\/XXXX which is also reporting by XXXX and XXXX XXXX, so Experian needs to make the correction \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": hi, the date of bankruptcy is inaccurate on \" '' EXPERIAN '' '' the accurate date is XX\/XX\/XXXX which is also reporting by XXXX and XXXX XXXX, so Experian needs to make the correction \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"experian refused to answer my questions for method of verification and took over 30 days with my dispute. \n","text":"Company chooses not to provide a public response","context":": experian refused to answer my questions for method of verification and took over 30 days with my dispute. \n : Company chooses not to provide a public response"},{"Question":"I called and advised them it was not a valid debt & that I was suing the creditor. I asked for validation of the amount because it was inaccurate. Within a week, without validating the debt the collection agency reported it to credit bureaus. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I called and advised them it was not a valid debt & that I was suing the creditor. I asked for validation of the amount because it was inaccurate. Within a week, without validating the debt the collection agency reported it to credit bureaus. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"U.S. BANK RECOVERY IS IN VIOLATION OF FCRA, FDCPA AND TCPA! ALSO, COLLECTING ON FRAUDULENT ACCOUNT ACTIVITIES AND SEVERAL FCBA ISSUES. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": U.S. BANK RECOVERY IS IN VIOLATION OF FCRA, FDCPA AND TCPA! ALSO, COLLECTING ON FRAUDULENT ACCOUNT ACTIVITIES AND SEVERAL FCBA ISSUES. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Trans Union is misreporting my XXXX account. It was charged off in XXXX however, XXXX is reporting 120 days late to Trans Union as recent as XXXX XXXX. Please get XXXX and Trans Union to correct this item right away as it is destroying my credit. \n","text":"Company chooses not to provide a public response","context":": Trans Union is misreporting my XXXX account. It was charged off in XXXX however, XXXX is reporting 120 days late to Trans Union as recent as XXXX XXXX. Please get XXXX and Trans Union to correct this item right away as it is destroying my credit. \n : Company chooses not to provide a public response"},{"Question":"Ally bank and XXXX XXXX overcharged me on my interest rate because of me being XXXX and having a decent credit score and made me to believe that was the only interest rate that was available to me. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Ally bank and XXXX XXXX overcharged me on my interest rate because of me being XXXX and having a decent credit score and made me to believe that was the only interest rate that was available to me. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I am trying to contact Experian because I submitted a police report proving identity theft and I have tried to submit additional inquiries for review because they are fraudulent and Experian refuses to allow me to do it. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I am trying to contact Experian because I submitted a police report proving identity theft and I have tried to submit additional inquiries for review because they are fraudulent and Experian refuses to allow me to do it. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Debt reported to collection agencies even though I was trying to communicate with agency. Also, incorrect amount of debt owed. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Debt reported to collection agencies even though I was trying to communicate with agency. Also, incorrect amount of debt owed. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I never lived outside the state of XXXX except for when I was in the XXXX and then it was not in the state of XXXX. XXXX was in XXXX and my XXXX was in XXXX and I was station in XXXX. I never lived in XXXX. I reported this to the credit bureau once before. \n","text":"Company chooses not to provide a public response","context":": I never lived outside the state of XXXX except for when I was in the XXXX and then it was not in the state of XXXX. XXXX was in XXXX and my XXXX was in XXXX and I was station in XXXX. I never lived in XXXX. I reported this to the credit bureau once before. \n : Company chooses not to provide a public response"},{"Question":"The creditor never states the company or who they are. The message simply gives a name of the person and how they need a phone call back today regarding a very important business matter. They called 3 times within 1 hour, twice on my cell and once to my work. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": The creditor never states the company or who they are. The message simply gives a name of the person and how they need a phone call back today regarding a very important business matter. They called 3 times within 1 hour, twice on my cell and once to my work. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"This debt was taking care of back in 2005 and is still reporting on my credit report. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": This debt was taking care of back in 2005 and is still reporting on my credit report. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"We received a collection notice with my son 's name on it, saying their client had made several attempts to collect an unpaid balance ( untrue ) and that they were given the account to collect. None of this is true. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": We received a collection notice with my son 's name on it, saying their client had made several attempts to collect an unpaid balance ( untrue ) and that they were given the account to collect. None of this is true. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I am receiving calls from Focus Receivables Management about a debt that I do n't owe. \n","text":"Company can't verify or dispute the facts in the complaint","context":": I am receiving calls from Focus Receivables Management about a debt that I do n't owe. \n : Company can't verify or dispute the facts in the complaint"},{"Question":"Transunion is denying that they have a credit report for me, and\/or refusing to provide me with a free copy of which I am entitled to per the Fair Credit Reporting Act. \n","text":"Company chooses not to provide a public response","context":": Transunion is denying that they have a credit report for me, and\/or refusing to provide me with a free copy of which I am entitled to per the Fair Credit Reporting Act. \n : Company chooses not to provide a public response"},{"Question":"I have requested this company to no longer call my place of employment and they are continuing to do so. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have requested this company to no longer call my place of employment and they are continuing to do so. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Still have items pending I have requested changed or removed. I have requested several times an updated\/corrected copy of my credit report mailed to me and still have not received it. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Still have items pending I have requested changed or removed. I have requested several times an updated\/corrected copy of my credit report mailed to me and still have not received it. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I borrowed XXXX and this company want {$4000.00} back I blocked them out of my account and so far have paid them almost {$800.00} in addition they are charging an additional 200 % making it impossible to pay them off. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I borrowed XXXX and this company want {$4000.00} back I blocked them out of my account and so far have paid them almost {$800.00} in addition they are charging an additional 200 % making it impossible to pay them off. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"have never lived in XXXX XXXX XXXX XXXX XXXX. I have lived in XXXX all my life. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": have never lived in XXXX XXXX XXXX XXXX XXXX. I have lived in XXXX all my life. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I bought a water softener for our new home and financed it. I paid off the loan within the first month. XXXX of the credit agencies is still showing the total amount due and has me at a lower score. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I bought a water softener for our new home and financed it. I paid off the loan within the first month. XXXX of the credit agencies is still showing the total amount due and has me at a lower score. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I recently found out my credit file was not only incorrect but was a duplicate going back over 7 years. It also has an incorrect amount and this still has not been corrected. It seems they do n't care. XXXX have it right but not Experian! \n","text":"Company chooses not to provide a public response","context":": I recently found out my credit file was not only incorrect but was a duplicate going back over 7 years. It also has an incorrect amount and this still has not been corrected. It seems they do n't care. XXXX have it right but not Experian! \n : Company chooses not to provide a public response"},{"Question":"Credit Solutions Corp did a hard inquiry on my credit report for a debt no longer valid, and also sent a letter stating i still owe the amount. \nI received a XXXX for the debt in 2013. Which was included on my taxes. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Credit Solutions Corp did a hard inquiry on my credit report for a debt no longer valid, and also sent a letter stating i still owe the amount. \nI received a XXXX for the debt in 2013. Which was included on my taxes. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"Capital Management Services contacted my sister about me and she has no knowledge of my finances. She is not listed on any current outstanding credit I have. She should not have been contacted. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Capital Management Services contacted my sister about me and she has no knowledge of my finances. She is not listed on any current outstanding credit I have. She should not have been contacted. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"They do not update my information\/have incorrect information on me and I can not correct it, I can not log in due to the security questions not being correct \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": They do not update my information\/have incorrect information on me and I can not correct it, I can not log in due to the security questions not being correct \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Initially I disputed items on my credit report, which came back as verified. I believe the investigation is questionable. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Initially I disputed items on my credit report, which came back as verified. I believe the investigation is questionable. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Bank does n't want to return my ach deposit on a closed account. I met with a banker named XXXX XXXX that put a return of funds. Wells Fargo Bank failed to make such easy task. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Bank does n't want to return my ach deposit on a closed account. I met with a banker named XXXX XXXX that put a return of funds. Wells Fargo Bank failed to make such easy task. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Ive asked to have the comments \" less than full balance '' to be removed from my credit report. The settlement was for the \" FULL '' balance, I 've sent documents from the company confirming this and Transunion still reports incorrectly should just be paid. \n","text":"Company chooses not to provide a public response","context":": Ive asked to have the comments \" less than full balance '' to be removed from my credit report. The settlement was for the \" FULL '' balance, I 've sent documents from the company confirming this and Transunion still reports incorrectly should just be paid. \n : Company chooses not to provide a public response"},{"Question":"I never lived at the XXXX PA address. This is not or never has been my address. Please remove from my credit report. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I never lived at the XXXX PA address. This is not or never has been my address. Please remove from my credit report. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Experian refuses to give me access to my credit report \n","text":"Company chooses not to provide a public response","context":": Experian refuses to give me access to my credit report \n : Company chooses not to provide a public response"},{"Question":"Keep call me about debt when high interest rates, call my job. keep. call my cell phone every other day.i 'm getting sick and tired of them. \n","text":"Company disputes the facts presented in the complaint","context":": Keep call me about debt when high interest rates, call my job. keep. call my cell phone every other day.i 'm getting sick and tired of them. \n : Company disputes the facts presented in the complaint"},{"Question":"I had XXXX XXXX never used its being reported twice on my report I never got any support docs to show anything about these cards \n","text":"Company chooses not to provide a public response","context":": I had XXXX XXXX never used its being reported twice on my report I never got any support docs to show anything about these cards \n : Company chooses not to provide a public response"},{"Question":"I have previously filed XXXX complaints regarding this issue but XXXX XXXX has now referred the matter to a fourth collection agency. I nor my wife owe XXXX XXXX anything. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have previously filed XXXX complaints regarding this issue but XXXX XXXX has now referred the matter to a fourth collection agency. I nor my wife owe XXXX XXXX anything. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I filed a Chapter XXXX Bankruptcy and it was discharged in 2010. Wells Fargo was included and they continue to report currently, damaging my credit every month. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I filed a Chapter XXXX Bankruptcy and it was discharged in 2010. Wells Fargo was included and they continue to report currently, damaging my credit every month. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"i been trying to have this debt validated last sent a validation letter to credit agency XX\/XX\/2016 and yet to receive any validation documents or deleted information. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": i been trying to have this debt validated last sent a validation letter to credit agency XX\/XX\/2016 and yet to receive any validation documents or deleted information. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Has listed used name as : XXXX XXXX XXXX. \nI have never used this name \n","text":"Company chooses not to provide a public response","context":": Has listed used name as : XXXX XXXX XXXX. \nI have never used this name \n : Company chooses not to provide a public response"},{"Question":"For months I have written One Advantage collection company, requesting a validation on debts they have issues on my credit report. They have issues a total of XXXX accounts ( # 's XXXX,XXXX, and XXXX.Please have this company validate these account and inform me of their finding. \n","text":"Company disputes the facts presented in the complaint","context":": For months I have written One Advantage collection company, requesting a validation on debts they have issues on my credit report. They have issues a total of XXXX accounts ( # 's XXXX,XXXX, and XXXX.Please have this company validate these account and inform me of their finding. \n : Company disputes the facts presented in the complaint"},{"Question":"7 phone calls, an e-mail with a second request, request to speak to a supervisor with no results. Fighting to get my Escrow Refund for almost four ( 4 ) months. \n","text":"Company believes complaint is the result of an isolated error","context":": 7 phone calls, an e-mail with a second request, request to speak to a supervisor with no results. Fighting to get my Escrow Refund for almost four ( 4 ) months. \n : Company believes complaint is the result of an isolated error"},{"Question":"I requested to close my cc account, pay balance in full and refund annual fee of {$89.00}. Barclays Bank refused to refund the annual fee because my request was 5 days late. \n","text":"Company chooses not to provide a public response","context":": I requested to close my cc account, pay balance in full and refund annual fee of {$89.00}. Barclays Bank refused to refund the annual fee because my request was 5 days late. \n : Company chooses not to provide a public response"},{"Question":"I disputed XXXX XXXX from my TransUnion credit report I believe XX\/XX\/2015 and the item was deleted. I am now checking my report report from XXXX XXXX and this creditor is reporting back on TransUnion once again. \n","text":"Company chooses not to provide a public response","context":": I disputed XXXX XXXX from my TransUnion credit report I believe XX\/XX\/2015 and the item was deleted. I am now checking my report report from XXXX XXXX and this creditor is reporting back on TransUnion once again. \n : Company chooses not to provide a public response"},{"Question":"XXXX KEEPS TRYING TO COLLECT APPLIED BANKS BUSINESS CARD AND IS REFUSING TO REMOVE ITS TRADELINE FROM MY EXPERIAN CREDIT REPORT IN VIOLATION OF FCRA, FDCPA AND TCPA. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": XXXX KEEPS TRYING TO COLLECT APPLIED BANKS BUSINESS CARD AND IS REFUSING TO REMOVE ITS TRADELINE FROM MY EXPERIAN CREDIT REPORT IN VIOLATION OF FCRA, FDCPA AND TCPA. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I have disputed this debt that I do not owe with a company named Optima Recovery Services. I have filed several disputes with Experian and they have yet to correct the derogatory information on my credit file. \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": I have disputed this debt that I do not owe with a company named Optima Recovery Services. I have filed several disputes with Experian and they have yet to correct the derogatory information on my credit file. \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"denied credit pulled report and found this collection, i had no prior knowledge and was not given a chance to dispute. \n","text":"Company disputes the facts presented in the complaint","context":": denied credit pulled report and found this collection, i had no prior knowledge and was not given a chance to dispute. \n : Company disputes the facts presented in the complaint"},{"Question":"MY INFORMATION WAS STOLEN OFF A SERVER THAT EXPERIAN HOUSED FOR XXXX AND THE SERVER WAS HACKED. ALL PERSONAL INFORMATION WAS TAKEN. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": MY INFORMATION WAS STOLEN OFF A SERVER THAT EXPERIAN HOUSED FOR XXXX AND THE SERVER WAS HACKED. ALL PERSONAL INFORMATION WAS TAKEN. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX EXPERIAN KEEPS PLACING A FRAUD ALERT ON MY CREIT REPORT I HAVE ASKE THEM TO REMOVE IT OVER 10 TIMES AND I HAVE BEEN IGNORED AGAIN!!!!!! \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX EXPERIAN KEEPS PLACING A FRAUD ALERT ON MY CREIT REPORT I HAVE ASKE THEM TO REMOVE IT OVER 10 TIMES AND I HAVE BEEN IGNORED AGAIN!!!!!! \n : Company chooses not to provide a public response"},{"Question":"This is back from 2009 over seven years old. please remove. \n","text":"Company believes the complaint is the result of a misunderstanding","context":": This is back from 2009 over seven years old. please remove. \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"I have disputed a debt within 30 days of receipt of my initial notice ; however, the company still reported 2 months later to credit agencies. As a result they have damaged my credit and my reputation. \n","text":"Company chooses not to provide a public response","context":": I have disputed a debt within 30 days of receipt of my initial notice ; however, the company still reported 2 months later to credit agencies. As a result they have damaged my credit and my reputation. \n : Company chooses not to provide a public response"},{"Question":"Experian has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Experian has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Numerous entries on credit report for the same account\/loan \n","text":"Company chooses not to provide a public response","context":": Numerous entries on credit report for the same account\/loan \n : Company chooses not to provide a public response"},{"Question":"This account is reporting inaccurate # XXXX and this account XXXX does not belong to me. The accounts being reported inaccurately are hindering me from gaining a proper credit rating. I request that agents of Transunion go beyond a cursory investigation into this mater. \n","text":"Company chooses not to provide a public response","context":": This account is reporting inaccurate # XXXX and this account XXXX does not belong to me. The accounts being reported inaccurately are hindering me from gaining a proper credit rating. I request that agents of Transunion go beyond a cursory investigation into this mater. \n : Company chooses not to provide a public response"},{"Question":"I am disputing an account with Experian that is showing as collections with a company I have never done business that does not belong to me. Experian needs to delete it. It is not on my XXXX and XXXX credit reports. \n","text":"Company chooses not to provide a public response","context":": I am disputing an account with Experian that is showing as collections with a company I have never done business that does not belong to me. Experian needs to delete it. It is not on my XXXX and XXXX credit reports. \n : Company chooses not to provide a public response"},{"Question":"Said I was 30 days late for a bill or payment XX\/XX\/2016. \n\nI was not late or at least tell me what bill was late!! \n","text":"Company chooses not to provide a public response","context":": Said I was 30 days late for a bill or payment XX\/XX\/2016. \n\nI was not late or at least tell me what bill was late!! \n : Company chooses not to provide a public response"},{"Question":"I sent XXXX debt validation requests to XXXX XXXX and they have ignored all of my requests. I do not recognize this debt and I need proper validation. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I sent XXXX debt validation requests to XXXX XXXX and they have ignored all of my requests. I do not recognize this debt and I need proper validation. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"Paid monthly installment this morning on line and received text to contact them this afternoon to collect same debt. Number given was XXXX. Rep I talked to admitted eh could see that payment had ben made. \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": Paid monthly installment this morning on line and received text to contact them this afternoon to collect same debt. Number given was XXXX. Rep I talked to admitted eh could see that payment had ben made. \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"With out my Permission Ditech Financial issued Unauthorized Documents to my Bank & Funds from my Account was submitted to Ditech with out my Consent \n","text":"Company believes the complaint is the result of a misunderstanding","context":": With out my Permission Ditech Financial issued Unauthorized Documents to my Bank & Funds from my Account was submitted to Ditech with out my Consent \n : Company believes the complaint is the result of a misunderstanding"},{"Question":"WHILE BANKING WITH BANK OF AMERICA I ASKED TO SEE SIGNATURE CARD AND WAS DENIED. DISPUTING FRAUD THAT WAS DONE BY AN EMPLOYEE THE BANK FAILED TO RESOLVE ANY ISSUE INCLUDING THEM GIVING ME CHECKS WITH WRONG ROUTING NUMBER. \n","text":"Company chooses not to provide a public response","context":": WHILE BANKING WITH BANK OF AMERICA I ASKED TO SEE SIGNATURE CARD AND WAS DENIED. DISPUTING FRAUD THAT WAS DONE BY AN EMPLOYEE THE BANK FAILED TO RESOLVE ANY ISSUE INCLUDING THEM GIVING ME CHECKS WITH WRONG ROUTING NUMBER. \n : Company chooses not to provide a public response"},{"Question":"i have tried to reslove a matter with usbank that a bad deposit was placed in my account that was not my doing they sent XXXX debit cards. i never made any deposit noone has responded to my complaints .. \n","text":"Company chooses not to provide a public response","context":": i have tried to reslove a matter with usbank that a bad deposit was placed in my account that was not my doing they sent XXXX debit cards. i never made any deposit noone has responded to my complaints .. \n : Company chooses not to provide a public response"},{"Question":"The debt is not mine because I am and was not responsible on the lease. the lease was wholly in XXXX XXXX name. \n","text":"Company chooses not to provide a public response","context":": The debt is not mine because I am and was not responsible on the lease. the lease was wholly in XXXX XXXX name. \n : Company chooses not to provide a public response"},{"Question":"I put a stop payment on a charge for cable that was not authorized and had already been taken from our account two weeks prior. I was told it would be stopped and not go through. Two days later it went through and created an over draft of XXXX \n","text":"Company chooses not to provide a public response","context":": I put a stop payment on a charge for cable that was not authorized and had already been taken from our account two weeks prior. I was told it would be stopped and not go through. Two days later it went through and created an over draft of XXXX \n : Company chooses not to provide a public response"},{"Question":"Sallie Mae, pulled my co-signer 's credit report without authorization. They did this to pressure my co-signer into a payment \n","text":"Company believes it acted appropriately as authorized by contract or law","context":": Sallie Mae, pulled my co-signer 's credit report without authorization. They did this to pressure my co-signer into a payment \n : Company believes it acted appropriately as authorized by contract or law"},{"Question":"I checked my credit tracker and there is a XXXX XXXX account in my name that I do not have \n","text":"Company chooses not to provide a public response","context":": I checked my credit tracker and there is a XXXX XXXX account in my name that I do not have \n : Company chooses not to provide a public response"},{"Question":"I was mislead on all information on the predatory school loans provided by Genesis Lending XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I was mislead on all information on the predatory school loans provided by Genesis Lending XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"I have XXXX accounts that are reporting incorrectly on my report 1 XXXX XXXX this is reporting incorrectly on my report 2 XXXX XXXX this is reporting incorrect on my report \n","text":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","context":": I have XXXX accounts that are reporting incorrectly on my report 1 XXXX XXXX this is reporting incorrectly on my report 2 XXXX XXXX this is reporting incorrect on my report \n : Company has responded to the consumer and the CFPB and chooses not to provide a public response"},{"Question":"I have not applied for credit at multiple institutions that are stated on my credit report as a hard credit inquiry. \n","text":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","context":": I have not applied for credit at multiple institutions that are stated on my credit report as a hard credit inquiry. \n : Company believes complaint caused principally by actions of third party outside the control or direction of the company"},{"Question":"XXXX XXXX is reporting incorrectly, payments have been on time, the vehicle was turned in on time to the dealership. \n","text":"Company chooses not to provide a public response","context":": XXXX XXXX is reporting incorrectly, payments have been on time, the vehicle was turned in on time to the dealership. \n : Company chooses not to provide a public response"},{"Question":"Reflecting incorrect payment status. Have been on time. \n","text":"Company chooses not to provide a public response","context":": Reflecting incorrect payment status. Have been on time. \n : Company chooses not to provide a public response"}] \ No newline at end of file