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2023-05-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Im a victim of identity theft there are 14 hard inquiries on my report Im asking yall nicely to have them removed cause I didnt allow them dont know anything about them | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77026 | null | Consent provided | Web | 2023-05-09 | Closed with explanation | Yes | null | 6,954,484 |
2022-11-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | CarMax has been reporting late payments on my credit under this code below that is a violation of my rights and I would like it reversed.
15 U.S. Code 1681a - Definitions ; rules of construction * U.S. Code * Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section | null | CarMax, Inc. | GA | 30291 | null | Consent provided | Web | 2022-11-18 | Closed with explanation | Yes | null | 6,214,889 |
2023-02-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXXXX | null | EQUIFAX, INC. | TX | 77338 | null | Consent provided | Web | 2023-02-27 | Closed with explanation | Yes | null | 6,626,416 |
2021-03-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I was a victim of the XXXX data breach so this past summer I sent a letter to the bureaus expecting all of the inaccurate items to be removed from my credit report. NO RESPONSE smh now again in XXXX I send another letter with ( you guessed it no response ) and I believe they're taking advantage of me. It's been well over 30 days again and I think it's time for you to fine them and force them to take these items off of my credit report. I've did everything I can to reach out to them so hopefully you can have better luck than me. They're violating my consumer rights and stopping me from getting new credit | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28031 | null | Consent provided | Web | 2021-03-25 | Closed with explanation | Yes | null | 4,244,100 |
2023-08-31 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | TX | 79912 | null | Consent provided | Web | 2023-08-31 | Closed with explanation | Yes | null | 7,482,530 |
2023-01-14 | Debt collection | Credit card debt | Written notification about debt | Didn't receive notice of right to dispute | This agency is in violation of 15 USC 1692g. They were to have notified me of this in writing 5 days ago, but XXXX years prior, I wasn't notified. As the original creditor, only validate this debt. I do not validate this debt ; therefore, the following accounts must be deleted from my report immediately.
List of accounts to be deleted.
Wells Fargo XXXX # XXXX ( XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, Date open XX/XX/XXXX, original charge-off : {$5600.00} Charge- off WELL FARGO CARD SERVICE # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | VA | 23607 | Older American, Servicemember | Consent provided | Web | 2023-01-14 | Closed with explanation | Yes | null | 6,439,787 |
2023-05-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 326XX | null | Consent provided | Web | 2023-05-09 | Closed with explanation | Yes | null | 6,951,372 |
2022-09-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XX/XX/2022 Credit reporting agencies were put on notice of fraudulent accounts & incorrect information on consumer reports | null | EQUIFAX, INC. | IL | 60440 | null | Consent provided | Web | 2022-09-22 | Closed with explanation | Yes | null | 6,008,598 |
2022-07-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Experian : I received your updated credit report enclosed is factual dispute on your credit report that you are reporting { 1 XXXX XXXX XXXX XXXX late payment that is false the vehicle was traded in and I purchased another vehicle through XXXX Please remove the late payments I know thing were slow due to covid } { 2 } XXXX incomplete account number re aged date, can not post a past due on account } { 3 } XXXX XXXX XXXX incomplete account number, re aged account reporting past due } { 4 } these inquires enclosed I did not authorizes these inquires } these are factual statements you are reporting on my credit report and they are violations of the FCRA I request that the CFPB handle this dispute | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 78840 | null | Consent provided | Web | 2022-07-07 | Closed with explanation | Yes | null | 5,746,285 |
2022-09-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I called the creditors and Spoke with a agent and explained to her the law 15 U.S.C. 1666b ( Timing Of Payments ) and explained to her that I have not been getting my statements in the mail she waived my fees on my XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX She waived the late payment fees but they did not remove the late payments from credit reports and it's hurting my credit tremendously! I have called the XXXX bank and disputed the late payments with XXXX, XXXX, Experian with the result of the late payments still showing on my credit report. Attached are my statements showing the waived fees and a copy of the FCRA Law 15 UC Code 1666 b. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AL | 351XX | null | Consent provided | Web | 2022-09-29 | Closed with explanation | Yes | null | 6,032,305 |
2023-03-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IL ) XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60901 | null | Consent provided | Web | 2023-03-01 | Closed with explanation | Yes | null | 6,627,503 |
2022-05-18 | Debt collection | Credit card debt | Communication tactics | You told them to stop contacting you, but they keep trying | I had a total of XXXX loaned to me by commenity bank. I paid them over XXXX back. Mainly due to their lack of not closing my account once I had it paid off and asked them to close it so interest didnt continue, their terrible communication, phone payment failure, online payment issues. Not only have I paid it back three fold, they harass me multiple times daily, have harassed my dad, mom, and even my brothers EX WIFE whom he has been separated from since 5 years ago, past employers etc. It is one thing for them to harass me when Ive already more then paid off my debt while in the middle of a pandemic and dealing with a XXXX scare and having to take care of my elderly grandmas, but to harass people who have NOTHING to do with the credit I have borrowed is a crime. I am XXXX XXXX XXXX and was an adult when I applied for credit with them. It is criminal how many calls I receive daily and people who are not me receive. My credit is completely destroyed and they are still harassing me. ENOUGH IS ENOUGH. | null | Bread Financial Holdings, Inc. | MT | 598XX | null | Consent provided | Web | 2022-05-18 | Closed with monetary relief | Yes | null | 5,572,304 |
2023-07-31 | Debt collection | Credit card debt | Written notification about debt | Didn't receive notice of right to dispute | On XX/XX/2023 my bank account was placed on levy for a credit card debt with a case action in XXXX, Virginia. Previous notice was sent to an address in XXXX XXXX, Virginia which I never received. The case in XXXX XXXX, Virginia was dismissed. I did not receive notice of this case in XXXX, Virginia until XX/XX/2023. I was provided a judges order in XXXX, Virginia that was placed inside the door of my residence on XX/XX/2023. My due process rights were violated and a levy was placed on my XXXX XXXXXXXX bank account with no notice of hearing. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | VA | 22314 | null | Consent provided | Web | 2023-07-31 | Closed with explanation | Yes | null | 7,326,421 |
2022-10-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I settled account with XXXX XXXX in XX/XX/2022 for {$3000.00}. I have received XXXX settlement in full letters stating the account is closed and payment was received. XXXX letter received in XX/XX/2022 and XXXX in XX/XX/2022. However, the credit bureau is reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have tried to dispute with credit bureau multiples times and it has not been corrected. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77082 | null | Consent provided | Web | 2022-10-20 | Closed with explanation | Yes | null | 6,110,525 |
2023-09-06 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue. | null | ENCORE CAPITAL GROUP INC. | FL | 33615 | null | Consent provided | Web | 2023-09-06 | Closed with non-monetary relief | Yes | null | 7,510,442 |
2020-03-12 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | I purchased airline tickets online through a third party in XXXX of 2019.
Over the following three months, the airline changed the flight times multiple times ... all of which I agreed to since they were minor. But they changed the time once again, which conflicted with my schedule and was out of the Federal DOT rules for allowed time changes.
I went on the booking party chat and called customer service to try and fix the issue. I was hoping we could just change the dates to a time that would work for me.
Customer service informed me at this point there would be a {$300.00} per person change fee, as well as the difference in rates.
That would come out to at the very least more than {$800.00} to change tickets that I had no control over. Tickets that originally cost me {$1000.00}.
This is a substantial charge imposed upon me as a consumer. In other words, pay almost the entire original amount of the trip for a change I did not agree to.
Services were not provided, since the trip was scheduled for XXXX, and I will have to rebook at a higher price, costing me more out of pocket.
I explained all of this to my bank - TD Bank NA and they've declined to issue me a credit for unused services. | null | TD BANK US HOLDING COMPANY | FL | 33064 | null | Consent provided | Web | 2020-03-12 | Closed with explanation | Yes | null | 3,564,474 |
2019-01-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | There are many mistakes appear in my report without my understanding. | null | EQUIFAX, INC. | FL | 33325 | null | Consent provided | Web | 2019-01-09 | Closed with explanation | Yes | null | 3,120,509 |
2022-01-14 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I am being told since the pandemic started the the federal loans I have with Navient dont qualify for the government authorized deferment. I thought all federal student loans fall in this criteria | null | Navient Solutions, LLC. | IN | 46237 | null | Consent provided | Web | 2022-01-14 | Closed with explanation | Yes | null | 5,111,701 |
2020-07-30 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | On XX/XX/XXXX, without recipient or confirmation of legal procedure or notice of documentation to evict from apartment complex nor court document posted nor mailed from XXXX XXXX XXXX Sheriff department. This action lead to eviction/homeless only to later XX/XX/XXXX rec. photo copy of notice mail from XXXX Sheriff department however no letter from the collection agency listed on credit report.
I.Q. DATA INTERNATIONAL, INC XXXX XXXX XXXX XXXXWAXXXX ( XXXX ) XXXX | Company believes it acted appropriately as authorized by contract or law | I.Q. DATA INTERNATIONAL, INC. | MD | 21045 | null | Consent provided | Web | 2020-07-30 | Closed with explanation | Yes | null | 3,771,517 |
2022-06-22 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | On XX/XX/XXXX, I was alerted by an apartment leasing office agent that a recent credit report of mine, showed that I had a debt of approximately {$260.00} owed to XXXX XXXX. Under this account, services ( by XXXX XXXX ) were provided from XX/XX/XXXX to XX/XX/XXXX at the address : XXXX XXXX XXXX. Apartment B, XXXX, TX XXXX.
I have never subscribed to services provided by XXXX XXXX, nor am I familiar with the address related to this account. During the time of service ( XX/XX/XXXX through XX/XX/XXXX ), I was living in XXXX XXXX, XXXX and XXXX XXXX, XXXX The balance due has been in collections since XX/XX/XXXX, though I found out about it yesterday.
Eventually, XXXX XXXX sold the debt to Transworld Systems INC ( TSI ). The TSI account number related to this debt is XXXX.
I am concerned that my identity has been stolen in order to open the account with XXXX XXXX. I am also concerned that the debt has negatively impacted my credit score. Please help me resolve this. Thank you. | null | TRANSWORLD SYSTEMS INC | TX | 77008 | null | Consent provided | Web | 2022-06-22 | Closed with explanation | Yes | null | 5,698,353 |
2023-07-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 378XX | null | Consent provided | Web | 2023-07-29 | Closed with non-monetary relief | Yes | null | 7,322,260 |
2020-08-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | DEPT OF ED/XXXX Is showing up as late payments when they should in fact be up to date. Additionally, the payment dates on the loans are incorrect, and show different balances as well as dates. If the information was reported from the same company. All information Pertaining to the loans should reflect all the same information. Due to inadequate information Im asking that these items be permanently deleted from all three credit reports. | null | EQUIFAX, INC. | IL | 604XX | null | Consent provided | Web | 2020-08-26 | Closed with explanation | Yes | null | 3,813,762 |
2021-12-03 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | I spoke to a XXXX ( XXXX XXXX ) representative in XXXX of 2021 and requested a quote only for TV and internet services. I specifically stated that I did not wish to engage those services.
However, a few weeks later a box of equipment ( which still sits unopened ) arrived followed shortly by bills for cable TV service. I immediately contacted XXXX but was unable to connect to anyone that could correct the problem. On two subsequent occasions I called XXXX, each time waited on hold for over thirty minutes, never able to inform XXXX that they had made a mistake. Further, neither the bills or the XXXX website has an email address that I could write to inform them of their mistake.
{$520.00} of charges for services and fees have been sent to Amsher collection from XXXX XXXX ( XXXX XXXX ) which now appears as a collection on my credit report. These charges are fraudulent, because I never requested those services and never received those services. | Company believes it acted appropriately as authorized by contract or law | Amsher Collection Services, Inc. | TX | 78253 | null | Consent provided | Web | 2021-12-03 | Closed with explanation | Yes | null | 4,972,438 |
2018-07-29 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Problem with a company's investigation into an existing issue | Was not notified of investigation status or results | On XX/XX/2018 i applied for a job at XXXX XXXX as an XXXX XXXX XXXX out of XXXX TX. On XX/XX/XXXX, i was given a verbal job offer from a hiring manager on condition of passing a XXXX screening and background check. I received an email from General Information Services asking that I provide my driver license number and social security number. A week later, I received an email from General Information Services requesting I sent a copy of my foreign passport from XXXX. I then received a form asking for my consent to run an international background check. The form asked for me to provide my XXXX National ID number. It is unclear what led GIS to believe i was in possession of a foreign passport and national ID number ( other than for discriminatory reasons ). I provided all requested documents and was told it would be investigated. I called several times to check on the status of my report, as international background checks are known to take some time. Each time I was told they had no information and were not required to provide me what they had. Eventually, on XX/XX/XXXX, I called the office of GIS and requested that I receive a copy of my report as it had taken more than 30 days and I was no longer interested in employment at XXXX because I was told I could not start if the background check was not finished. I was told a report would be sent to me and subsequently one was never sent, This is a violation of the FCRA and it is my fervent belief that I was discriminated against because of my religion and ethnic origin that I was forced to provide extra documents. | Company disputes the facts presented in the complaint | General Information Services, Inc | NY | 117XX | null | Consent provided | Web | 2018-07-29 | Closed with explanation | Yes | null | 2,976,052 |
2020-08-14 | Debt collection | Medical debt | Written notification about debt | Didn't receive notice of right to dispute | I sent the credit bureaus and Profession Credit disputes because they are on my credit and I did not apply for credit with them ever and I don't know why they are there. They sent me a letter stating that I owed money for medical reasons, and they sent me my private medical information through the mail with no HIPPA release. I believe they have violated my rights according to the FCRA, HIPPA, and they have willfully intruded onto my credit. I'm baffled at how a company could do this! PLEASE HELP ME! | Company believes it acted appropriately as authorized by contract or law | Professional Credit Management, Inc | AR | 72034 | null | Consent provided | Web | 2020-08-14 | Closed with explanation | Yes | null | 3,795,746 |
2020-05-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 80205 | null | Consent provided | Web | 2020-05-08 | Closed with explanation | Yes | null | 3,643,641 |
2023-06-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 331XX | null | Consent provided | Web | 2023-06-07 | Closed with non-monetary relief | Yes | null | 7,077,709 |
2020-06-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$350.00} XXXX XXXX XXXX {$600.00} XXXX/XXXX XXXX {$390.00} XXXX/XXXX XXXX {$1600.00} XXXX XXXX {$480.00} XXXX/XXXX XXXX {$350.00} XXXX XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX XXXX {$400.00} CHAPTER XXXX BANKRUPTCY XXXX | null | EQUIFAX, INC. | AR | 72206 | null | Consent provided | Web | 2020-06-02 | Closed with explanation | Yes | null | 3,679,517 |
2021-04-12 | Student loan | Private student loan | Dealing with your lender or servicer | Problem with customer service | Apply for Military Service Deferment since I am currently and have been serving in XXXX since 2016, I was denied The Military Service Deferment My orders dont say Im serving it on a contingency Assignment!
Since then Navient say my loans are in default and I join the XXXX after Accruing this debt!
Since, they denied me they have not responded back to my emails. | null | Navient Solutions, LLC. | AP | XXXXX | Servicemember | Consent provided | Web | 2021-04-12 | Closed with explanation | Yes | null | 4,292,629 |
2023-05-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am writing to express my deep dissatisfaction with the re-investigation conducted by your agency regarding the multiple errors present on my consumer report. Despite my previous dispute and your subsequent reassurances of rectifying the inaccuracies, I regret to inform you that the report continues to contain several unresolved errors. Your negligence and willful non-compliance have had a detrimental impact on my creditworthiness and financial well-being.
Account Name- XXXX XXXX Account Number- XXXX Obvious Inaccuracies - PAYMENT HISTORY INACCURATE - REPORTED AS CHARGE-OFF NOW COLLECTION | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30349 | null | Consent provided | Web | 2023-05-09 | Closed with non-monetary relief | Yes | null | 6,955,747 |
2019-07-08 | Debt collection | Auto debt | Communication tactics | Frequent or repeated calls | I had taken a loan with one main and they had to secure it with my truck which is no longer valued at what they valued. I had asked if they could release lien so i could have title and the debt would be unsecured so i can negotiate debt with a credit counseling group and was refused | null | ONEMAIN FINANCIAL HOLDINGS, LLC. | VA | 23238 | null | Consent provided | Web | 2019-07-11 | Closed with explanation | Yes | null | 3,299,513 |
2023-07-02 | Checking or savings account | Checking account | Opening an account | Unable to open an account | I am an excellent financial user of HSBC in XXXX. According to the regulations, I have the right to open an account remotely at HSBC in the United States. On XX/XX/XXXX this year, I submitted an application to HSBC in the United States. For the next three months, I have been trying to communicate with the bank, but the reply is always very slow. HSBC asked me to provide a statement on the source of funding. At the beginning, I proposed that the money might come from my father, so HSBC asked me to provide a bank statement, which I have provided. But then I changed my mind. I thought this part of the money should come from my salary, so I offered my payslip in XXXX. At this time, HSBC is still asking for information about my father. I think it is unreasonable and I have the right to refuse to provide it. In addition, HSBC ( United States ) called me many times at about XXXX XXXX. I have complained to the relevant department of the bank about this problem, but it is invalid. I will still receive calls after that. | null | HSBC NORTH AMERICA HOLDINGS INC. | null | XXXXX | null | Consent provided | Web | 2023-07-02 | Closed with explanation | Yes | null | 7,183,899 |
2023-06-13 | Debt collection | Auto debt | False statements or representation | Attempted to collect wrong amount | Santander and XXXX are both reporting negatively on my credit bureaus for the same account just different amounts. They are either closed or charged off but show a balance. I was told this is considered Double Jeopardy and have attempted to dispute with them through mail and one account has updated the last payment date to this year when the actual last payment was in 2018. North of these accounts are impacting me negatively greatly. Im assuming Santander is retiring the amount prior to auction and XXXX is reporting after auction. Could you please assist? | null | SANTANDER HOLDINGS USA, INC. | TX | 75074 | null | Consent provided | Web | 2023-06-13 | Closed with explanation | Yes | null | 7,108,015 |
2022-04-26 | Debt collection | Auto debt | Written notification about debt | Didn't receive notice of right to dispute | This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report.
XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} Acct # : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AL | 359XX | null | Consent provided | Web | 2022-04-26 | Closed with non-monetary relief | Yes | null | 5,502,099 |
2022-06-20 | Checking or savings account | Checking account | Closing an account | Company closed your account | I received a voicemail from a Delaware telephone number on XX/XX/XXXX at XXXXXXXX XXXX stating that I needed to call back in regards to a case filed against me I called today XX/XX/XXXX as I was dealing with death in my family. They told me that it was for a Wells Fargo account from 2015 I did not have a Wells Fargo account in 2015 I have however had an account Wells Fargo but I was free and clear of any type of debt I did not have a credit card or any type of line of credit with Wells Fargo when I had my account there and they're calling me telling me that now over 7 years later they're coming after me for {$900.00} which came up with an address that I've never lived at not even in 2015 or in XXXX that I live at the address that they gave me now granted they do have my correct social security number but they're saying anything that is attached to my social security number if I do not pay that whatever relationship I have with my current bank will be taken from me and I will not be able to get any type of account at any Bank for the next 7 to 10 years. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 92307 | null | Consent provided | Web | 2022-06-20 | Closed with explanation | Yes | null | 5,688,460 |
2022-09-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33064 | null | Consent provided | Web | 2022-09-19 | Closed with non-monetary relief | Yes | null | 5,995,267 |
2020-05-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | In XX/XX/2016 I had several different accounts with Bank of America that were closed. When this happened Bank of America decided to report some of these accounts to XXXX XXXX XXXX. The problem is that some of the accounts being reported on XXXX XXXX XXXX does not belong to me. Bank of America has sent me correspondence that shows how many accounts I had with them and what those account numbers are, in total it was four accounts. I then ordered and received my XXXX XXXX XXXX Report and it had conflicting information on it that did not match the correspondence sent to me by Bank of America. According to the report, there are two account numbers being reported for me that are not present in the information sent to me by Bank of America. Therefore, I am asking for Bank of America to instruct XXXX XXXX XXXX to remove those two accounts off of my report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | TX | XXXXX | null | Consent provided | Web | 2020-05-15 | Closed with monetary relief | Yes | null | 3,654,426 |
2022-06-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX withXX/XX/XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 775XX | null | Consent provided | Web | 2022-06-20 | Closed with explanation | Yes | null | 5,690,053 |
2023-04-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.
XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$1500.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11219 | null | Consent provided | Web | 2023-04-13 | Closed with non-monetary relief | Yes | null | 6,835,163 |
2023-07-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WV | 250XX | null | Consent provided | Web | 2023-07-24 | Closed with explanation | Yes | null | 7,296,519 |
2022-08-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | XXXXX | null | Consent provided | Web | 2022-08-30 | Closed with non-monetary relief | Yes | null | 5,930,421 |
2017-09-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | As a part of EquifaxXXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) XXXX is not available as an option, it is grayed out so it cant even be checked. 2 ) Equifax makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 ) XXXX - after filling out the required form, I am sent to XXXX 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH XXXX XXXX PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from XXXX and the other 2 .... WHAT THE XXXX GUYS! THIS IS INSANITY AND XXXX. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY. | null | EQUIFAX, INC. | NC | 27403 | null | Consent provided | Web | 2017-09-13 | Closed with explanation | Yes | null | 2,671,773 |
2018-05-22 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | I called American Express on XX/XX/2018 because I was unable to make payments because of their system.
When you add a new bank account, it is probationary ( but not mentioned that it is ) for 30 days and their system only allows you to make limited payments. Because I was unable to make payments with their banking system, my credit card became over the limit which negatively affected my credit score.
I called their customer support who stated that they were unable to help me and that " everything looked fine from their end '' and my account was not delinquent.
I have been an American Express customer for 7 years and have never had any previous credit cards enable this restriction on bank accounts. | null | AMERICAN EXPRESS COMPANY | NY | 11238 | null | Consent provided | Web | 2018-05-22 | Closed with explanation | Yes | null | 2,913,568 |
2019-11-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My sister and I have the exact same social security number with the exception of the very last digit. While going through my credit report recently I found several items on my credit which I did not open and I am positive that it was due to my sister using my social for her accounts. There are 7 student loans taken out in 2009 alone. There's no way that they all belong to me. I would like to see about researching which ones belong to me and which ones don't and see about removing the ones that do not belong to me from my credit report.
My sister was working for XXXX XXXX a little more than a year ago and during that time her student loans were not reflecting negatively on the credit report because the company has a repayment program but a year ago my sister left that company and now all of a sudden I have all of these extra student loans that have hit my credit report and lowered my credit almost 200 points.
I have been trying for months now to be able to figure out where the student loans are being held how much is being held and when they were open so that I could figure out which ones I needed to dispute but every single loan holder that I have called has no record of my accounts existing at all.
I am at my Wit 's end and I don't know what to do from here and I would greatly appreciate the assistance | null | EQUIFAX, INC. | CO | 80907 | null | Consent provided | Web | 2019-11-26 | Closed with non-monetary relief | Yes | null | 3,450,692 |
2017-11-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I write to this credit repository last XXXX XXXX, XXXX. I have disputed two accounts, XXXX XXXX and XXXX. Both accounts have been reporting incorrect, inaccurate and incomplete information. These account has been reporting incomplete and inaccurate late payments. credit bureaus show either " no data '' or " unknown in most months in my payment history. They are also reporting " 90 days late '' without prior late?!. Account # XXXX has been removed/repaired. But account # XXXX, still reports the error violating FCRA. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 94568 | null | Consent provided | Web | 2017-11-20 | Closed with explanation | Yes | null | 2,734,589 |
2022-05-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I called and told that couple of days ago I got my credit report and noticed some inquiries that Ive never authorized and I tried to dispute them via phone and they refused to help me. I need this inquiries off my credit as soon as possible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 37086 | null | Consent provided | Web | 2022-05-24 | Closed with explanation | Yes | null | 5,594,531 |
2018-05-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I Will be uploading supporting documents from my bank XXXX XXXX XXXX XXXX that my credit card account is open not close or transfered. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27407 | null | Consent provided | Web | 2018-05-16 | Closed with explanation | Yes | null | 2,909,251 |
2023-03-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I was a victim of identity theft and my personal information and banking information was stolen by scammers. I noticed several suspicious accounts on my credit report and I am sure someone is using my information to open accounts and take actions on my existing accounts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 15227 | null | Consent provided | Web | 2023-03-21 | Closed with non-monetary relief | Yes | null | 6,727,070 |
2023-08-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This involves a case where the use of my identity was used by someone unknown to create credit accounts and create debt which were not mine. I had contacted the CRAs and Portfolio Recovery in order to get the issues cleared up. Portfolio recovery Did Not advise that the debt was voided because it was a case of ID theft. They simply indicated that at that specific time they were closing a case, but offered no actual resolution as to the disposition of the accounts they were collecting on the bahalf of XXXX XXXX. The accounts they were collecting were a result of ID theft and as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank I feel I have been put under distress from Portfolio Recovery. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Portfolio Recovery seems to be ignoring these pleas from me to correct the issues in a manner which lets me know these accounts were permanently removed and never to come back again. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me anxiety and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Portfolio Recovery ignores me and continues to leave the situation, as I interpret it, quite open to these debts returning since they are still showing under the creditor 's pursuits. They have attempted to call and harass me in the past and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues in a manner which is final and absolute. This is not acceptable. I have suffered on many levels due to their inability to correct these issues! | null | PORTFOLIO RECOVERY ASSOCIATES INC | MO | 63090 | null | Consent provided | Web | 2023-08-24 | Closed with explanation | Yes | null | 7,451,174 |
2019-06-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | i obtained a copy of my credit report and seen erroneous information. so i proceeded to challenge the validity of the information. i have not received any information of investigations from the credit bureaus or the collection agencys reporting these debts. they are not abiding by the law and this kind of behavior is unacceptable. i can not obtain a job or take care of myself or my family because of the false and misleading information placed upon my credit report. | null | EQUIFAX, INC. | FL | 33147 | null | Consent provided | Web | 2019-06-25 | Closed with explanation | Yes | null | 3,286,673 |
2015-12-17 | Debt collection | Medical | False statements or representation | Attempted to collect wrong amount | Was XXXX at XXXX XXXX XXXX of XXXX XXXX California. Had difficulty paying the debt to the hospital or organization in which the debt originated, but had paid some of the amount in the beginning at the beginning of the agreement. Was XXXX twice since diagnosed in XX/XX/XXXX and again in XX/XX/XXXX that led to XXXX and being out of work for 4-months. Debt was turned over to USCB America who has been receiving the debt since around XX/XX/XXXX to present. They were deducting funds from my account on some months twice where i was n't informed, and since the last conversation XX/XX/XXXX they are claiming that they have n't received any payments and now only willing to settle if I pay half of the interest which was never agreed upon. It 's not a whole lot of money, but I hate feeling like we as consumers have no rights. I spoke with one of there staff members on XX/XX/XXXX, who discussed the payment history with me, because the first two payments made, they claimed they had no knowledge. Any assistance would be appreciated. I just want to get debt settle prior to the new year. | Company believes it acted appropriately as authorized by contract or law | USCB, Inc. | CA | 93535 | null | Consent provided | Web | 2015-12-17 | Closed with explanation | No | No | 1,706,464 |
2019-12-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have several accounts on my credit report that do not belong to me. Ive asked the bureaus on 4 different occasions to provide accurate validation of the claims, debts, and inquiries affecting my credit and theyve failed to comply with the FCRA by doing so. | null | EQUIFAX, INC. | AL | 35215 | null | Consent provided | Web | 2019-12-08 | Closed with non-monetary relief | Yes | null | 3,461,966 |
2019-10-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | The credit bureaus are reporting inaccurate/outdated/incomplete personal information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 482XX | null | Consent provided | Web | 2019-10-27 | Closed with explanation | Yes | null | 3,419,056 |
2020-10-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following as this is the second attempt. Please remove them. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NV | XXXXX | null | Consent provided | Web | 2020-10-01 | Closed with explanation | Yes | null | 3,874,833 |
2017-09-11 | Checking or savings account | Other banking product or service | Managing an account | Problem accessing account | I just have question on POA (Power of Attorney) issue with Bank of America.
I have accounts for my sons with Bank of America more than 20 years and always as POA. Since last month, they start showing POA at all banking statements instead of not appear. I ask the bank should it be hidden and keep between bank and accountholder instead of expose to public? Bank of America say "NO". So I want to confirm is that the new Reg or banking rule? If it does, why that not happen to all of my other banks? I contact FDIC, they refer me to OCC, then today I get email as follow: XXXX XXXXMail
To XXXX Today at XXXX XXXX XX/XX/XXXX
Ref. No: XXXX
Re: Bank of America, National Association
XXXX, NC
Dear XXXX XXXX:
Thank you for contacting the Federal Deposit Insurance Corporation (FDIC). The FDIC's mission is to ensure the stability of, and public confidence in, the nation's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XX/XX/XXXX.
The Dodd-Frank Wall Street Reform and Consumer Protection Act created the Consumer Financial Protection Bureau (CFPB). Based on our review of the issues you raise in your correspondence, we believe your concerns should be referred to the CFPB for assistance. We are forwarding your correspondence to the CFPB at the address below.
Sincerely,
Consumer Response Center
Federal Deposit Insurance Corporation
Division of Depositor and Consumer Protection
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Telephone: XXXX
Fax: XXXX
cc/enc:
Consumer Financial Protection Bureau
XXXX XXXX XXXX XXXX, IA XXXX
Telephone: XXXX
XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 92064 | null | Consent provided | Web | 2017-09-15 | Closed with explanation | Yes | null | 2,669,106 |
2022-03-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Hello. Please look into my credit report becasue there are accounts that i have informed the bureaus that are tagged wrongly or are not updated even if i have informed them about this but they took no action so I am making this complaint. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85015 | null | Consent provided | Web | 2022-03-21 | Closed with non-monetary relief | Yes | null | 5,348,924 |
2023-06-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33624 | null | Consent provided | Web | 2023-06-27 | Closed with explanation | Yes | null | 7,168,320 |
2019-03-14 | Debt collection | Other debt | Communication tactics | You told them to stop contacting you, but they keep trying | I had placed a dispute with all credit bureaus with regards of this debt. They continue to call me from XXXX phone numbers. My wife answered the phone and she told them that this account is under dispute and they have no reason to call and harass throughout different times in the day. I am requesting verification of this debt.
Dear Sunrise Credit : I am responding to your contact about a debt you are trying to collect. You contacted me by phone, on many date and identified the debt as XXXX. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Thank you for your cooperation. Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SUNRISE CREDIT SERVICES, INC | FL | 33073 | Servicemember | Consent provided | Web | 2019-03-14 | Closed with non-monetary relief | Yes | null | 3,179,791 |
2022-11-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I lost my wallet a year ago and now someone opened a XXXX account in my name | null | Early Warning Services, LLC | GA | 30345 | null | Consent provided | Web | 2022-11-22 | Closed with explanation | Yes | null | 6,234,817 |
2018-02-12 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Charged too much interest | Subject : This is a XX/XX/XXXX ( 60 day ) Response to the CFPB target Companys Answer dated XX/XX/XXXX to this Complainant filed on XX/XX/XXXX Against Discover Claiming Breach of Contract to Significantly Reduce the Interest Rate on the this Complainants Credit Card from 24 % to 12 %, as agreed by the Discover Rep during the phone call with this Complainant on XX/XX/XXXX, at which time the balance on the card was about {$10000.00}, an amount both parties have agreed upon from that date ( in XX/XX/XXXX ) up to the present. The parties also agree that this debt was entirely owed by this Complainants employer, XXXX XXXX XXXX XXXX XXXX
1. Specifically, both parties agree that this card was used, billed and paid monthly from XX/XX/XXXX until XX/XX/XXXX, and that the most recent ending balance on the Discover statement dated ( on or about ) XX/XX/XXXX, was {$6400.00}, and that the interest rate on that month-end card billing was 23 % ( i.e., shortly before this complaint was filed ) 2. Both parties also agree that the balance owed Discover on XX/XX/XXXX was {$10000.00}, and that the interest rate on the card was entirely for cash advances and further, that both parties also agree the XX/XX/XXXX statements generally had reflected a billed annual percentage of 30 % - including the statement that was sent on that date to the debtor of that balance the employer of this Complainant, XXXX XXXX XXXX XXXX, XXXX ( See the General Ledger 1-page XXXX XXXX XXXX XXXX debtor monthly transaction postings listing based on the monthly Discover Statements postings regularly verified by the companies CPAs for inclusion in the companys financials published to the world in the SEC reports - including the credit card ending in # XXXX amounts in those reports, covering the period from XX/XX/XXXX to XX/XX/XXXX and reflecting a lower average annual interest rate of 24 % for the two months ending on that date, and continuing until the present. Also, the mailing address for the monthly Discover statements was switched back to the This Complainant home address later in the summer of XX/XX/XXXX. ) 3. The only material disagreement between this Complainant and Discover is what was offered and accepted by the two parties between each other forming a contract - in the phone call both parties agree was made on ( or about ) XX/XX/XXXX, and who initiated the call, and why that person made that call. I claim Discover initiated the 1st call - to collect a missed payment. Discover claims I called Discover to tell them I sent a double payment.
4. This Complainant during the 1st six months of XX/XX/XXXX was in the process of resolving over {$300000.00} owed to over 66 creditors of the company ( that had ceased all operations ) and where I had terminated all the employees ( including myself ). With less than {$100000.00} in personal assets readily available at that time to satisfy all the unpaid company creditors, it was very difficult to stay on schedule with the very small number of creditors ( like Discover ) who I would continue to pay timely out of my own pocket - for the following nine years.
5. On XX/XX/XXXX I was called by Discover and told that the payment of about {$290.00} that was due about 20 days earlier ( i.e., it was due on XX/XX/XXXX ) had not been sent, and that there was concern that the next payment ( for another {$290.00} ) would not be sent and received at Discover by XX/XX/XXXX. The rep then told me that if I would send a double payment ( of about {$580.00} ) via priority mail ( costing about {$4.00} and delivering the check to Discover within 3 days ) that Discover would reduce the current interest rate on the card ( of over 23 % ) to only 12 %.
6. My answer to the rep was that I would send the {$580.00} immediately - and the next day I did exactly what I agreed to do. ( See the attached PDF copy of the check I wrote to the local post office for {$4.00} and dated XX/XX/XXXX. Also see the enclosed XXXX XXXX XXXXXX/XX/XXXX, XXXX, Ledger Postings Report item dated XX/XX/XXXX referred to in paragraph # 2 above - where the company check # XXXX was issued for {$580.00} so that I could mail it the next day. ) 7. The XX/XX/XXXX letter from XXXX at Discover reports a story that XXXX was not able to document, and that is contradicted by the facts that are confirmed in the documents attached to this response. XXXX response indicates that I called Discover to report that I had sent a check for {$580.00} on XX/XX/XXXX.
Discover called me for a missed payment. It is unreasonable to suggest that I would send a double payment and spend ten times as much as a 1st class mail stamp - for a three-day delivery - without calling Discover first and asking if that would reduce my interest rate by over 50 % over the coming 5 to 10 years. I did not know we had completely missed sending the payment due on XX/XX/XXXX until I got the call from Discover on XX/XX/XXXX. Why would I write a check on XX/XX/XXXX for a payment that I didnt even know we had totally missed sending about four weeks earlier?
8. XXXX also indicated that in the XX/XX/XXXX, call I was told that the two APR interest rates for purchases and cash advances were both being reduced by 4.25 % - but I received no such information on how the two-transaction types would be driving my interest rates - from the rep I talked to in XX/XX/XXXX. In fact, I was unaware that my rates had gone up by over 4 % in the first half of XXXX until I received XXXX letter dated XX/XX/XXXX nearly eight years later. ( Also see the 2 columns added at this time - to the far right side of the 1-page ledger PDF file - of the XXXX XXXX XXXX Report transactions listing also referred to in paragraph 2 above. ) 9. Finally, XXXX letter also indicates that I called Discover in XX/XX/XXXX, but my recollection was that I called in XX/XX/XXXX, because the XX/XX/XXXX statement did not reflect the interest rate reduction to the 12 % I was promised in the XX/XX/XXXX call from Discover.
10. I also clearly remember being told ( in XX/XX/XXXX ) that there was no record that any promise of a rate reduction to 12 % on my total balance had ever been made to me by Discover the previous month ( and that there was no discussion of the rates for neither purchases nor cash advances ).
In summary, my recollections of who called who, and what was said, and why, are reasonable - and are also confirmed by my documentation - which I believe contradicts the unreasonable claims made by the Discover Executive in his XX/XX/XXXX letter to me on this subject.
It is requested that the CFPB order Discover to refund the excess interest charged me between XX/XX/XXXX, and XX/XX/XXXX, a total in cash of {$11000.00}, since I paid the {$6400.00} balance on XX/XX/XXXX. | null | DISCOVER BANK | NH | XXXXX | Older American, Servicemember | Consent provided | Web | 2018-02-12 | Closed with explanation | Yes | null | 2,811,320 |
2021-01-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | On XX/XX/XXXX, i entered a consumer credit transaction with XXXX XXXX. The total amount of the transaction was for {$10000.00}. On XX/XX/XXXX, I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. On XX/XX/XXXX XXXX received a letter from me asking to validate the debt and produce legal documentation that I am obligated to pay this debt. Their response was a letter stating that they confirmed the transaction history and that the information was current and accurate. Moving forward to XX/XX/XXXX, I sent them two documents. One being a debt validation letter and a cease and desist. These documents were sent via XXXX on XX/XX/XXXX and was delivered to the company on XX/XX/XXXX at XXXX XXXX. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation. | null | EQUIFAX, INC. | FL | XXXXX | null | Consent provided | Web | 2021-01-12 | Closed with explanation | Yes | null | 4,062,260 |
2022-06-13 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | I feel that I have become the victim of unscrupulous debt collection agents that have taken extraordinary actions to deny my due process rights.
The first Alleged Plaintiff is XXXX XXXX, XXXX, the garnishee is listed as, XXXX XXXX XXXX, XXXX, Arizona XXXX XXXX XXXX ID : XXXX, Their agent is XXXX XXXX, attorneys for the plaintiff is the Gurstel Law Firm P.C., XXXX XXXX XXXX XXXX ID Number XXXX, represented by the following attorneys filing this Garnishment with my employer, XXXX XXXX XXXX ( # XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ). This action was filed in the XXXX XXXX XXXX XXXX XXXX XXXX of XXXX in and for XXXX XXXX of XXXX Case # XXXX in XXXX, Arizona, notarized by a State Notary, XXXX XXXX XXXX # XXXX, State of XXXX, and approved for the plaintiff with a stamp from a Justice of the Peace. At no time was I given the opportunity to challenge this action nor, did I consent to have my case heard before a Justice of the Peace, along with not receiving instructions on how to challenge the filing, Also, I was unable to verify the date of the alleged debt.
The second alleged plaintiff is XXXX XXXXXXXX XXXX as assignee of XXXX, represented by the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Entity ID : Number : XXXX whose attorney for the plaintiff XXXX XXXX ( XXXX ) is attempting to file a civil action in the XXXX XXXX XXXX to be heard before a Justice of the Peace, Case # XXXX. At no time was I given the opportunity to challenge this action nor, did I consent to have my case heard before a Justice of the Peace, along with not receiving instructions on how to challenge the filing, Also, I was unable to verify the date of the alleged debt.
All the above entities are associated with XXXX XXXX, XXXX, XXXX XXXX XXXX Entity Number : XXXX, their law practice is listed as temporarily closed and the phone number listed has been reassigned. XXXX XXXX is currently doing business as XXXX XXXX XXXX XXXX, which is the plaintiff represented by the Gurstel Law Firm, PC, in XXXX XXXX.
Arizona XXXX XXXX are for small claims and civil suits that do not seek an award of more than {$3500.00}. They are designed for people to be able to represent themselves in court. Small claims court cases are held in XXXX XXXX locations. There are NO juries, NO appeals, and NO attorneys allowed in small claim cases. XXXX ( unless representing themselves ) can not appear, take part in the filing, or represent either side unless everyone agrees to it in writing, I did not consent to have my case heard in a XXXX XXXX outside of the city in which I reside.
On Tuesday, XX/XX/2022, I contacted all parties concerned to inform them that I would be filing this complaint in 13 days should we fail to reach a resolution in this matter, the law firms were contacted by both Email and the United States Postal Service, Certified Mail, that effort was not successful leaving me with no option other than to file this complaint.
The Gurstel Law Firm, PC is currently taking more than 25 % of my disposable income, with an order from a XXXX XXXX stamped by a Justice of the Peace that I was not provided the opportunity to contest. They used 40 hours as a base, due to the pandemic, my hours have been cut due to lack of work, yet they are still taking 25 % of my pay based on a 40-hour work week.
. This has created a financial hardship for my family. | null | Gurstel Law Firm, P.C. | AZ | 85019 | null | Consent provided | Web | 2022-06-28 | Closed with explanation | Yes | null | 5,665,475 |
2023-02-01 | Checking or savings account | Checking account | Managing an account | Fee problem | Had a checking account in 2013 with Wells Fargo and was overcharged with fees for insufficient funds, overdraft fees, and other fees. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | UT | 84084 | null | Consent provided | Web | 2023-02-01 | Closed with explanation | Yes | null | 6,516,007 |
2023-06-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | The following hard credit inquiries appeared on my credit reports XXXX 2021, after I considered purchasing a car with XXXX auto ( XXXX XXXX ). I've attempted to have these addressed by the credit reporting companies however I am consistent receiving messages such as " we are having problems with our system at the moment, '' or specifically with Experian, that I must contact each and every single loan company one by one. This has already been a 12 hour day getting past all three reporting companies. They'vemade this so difficult that it is more sensible to simply report them all to the authorities.
I was promised that there would only be one credit request inquiry and instead there were over 8 hard inquiries! The despicable part of it was, not all the hard inquiries appear from all credit reporting agencies. Some appear with one credit reporting company while other inquiries only appear with another reporting company. They include however are not limited to : 1. XXXX XXXX, XXXX, inquiry on XX/XX/2021.
Location : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021.
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021.
Location : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021.
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021.
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - inquiry on XX/XX/2021.
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX - inquiry on XX/XX/2021.
Location : XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX/XXXX XXXX - inquiry on XX/XX/2021.
Location : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 95124 | null | Consent provided | Web | 2023-06-07 | Closed with non-monetary relief | Yes | null | 7,077,005 |
2022-04-25 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | I have gotten repeated phone calls and letters from Americollect saying that I owe medical debt. They named my hospital, so I hung up and called my hospital to confirm that I didn't owe any money. The hospital stated that I didn't owe anything and that they don't use Americollect for their debts. I called Americollect back and told them that it was taken care of and that I don't want to be called again. I got even more phone calls saying I still owe money and when I ask for more information regarding the debt, Americollect says that they are not in contact with the people that post the debt. | Company believes it acted appropriately as authorized by contract or law | AmeriCollect | WI | 53545 | null | Consent provided | Web | 2022-04-25 | Closed with explanation | Yes | null | 5,494,415 |
2018-03-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | A XXXX XXXX XXXX collection appeared on my bureau debt was paid directly to hospital and nothing is owed to XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 604XX | null | Consent provided | Web | 2018-03-23 | Closed with explanation | Yes | null | 2,852,596 |
2017-04-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I was affected by Transunion inquiry issue. They reported inquiries on my credit report which should not be there. I have spoke to the customer rep and they were not able to help. I would like these inquiries removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92260 | null | Consent provided | Web | 2017-04-25 | Closed with explanation | Yes | null | 2,465,296 |
2020-09-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Initiated disputes via mail and online with Experian, providing proper identification documents, sent via certified mail # XXXX XXXX XXXX XXXX XXXX on XXXX. The online method issues auto responses without providing any information about how accounts were verified, even though the accounts still report inaccurate and missing information.
The following accounts have been repeatedly disputed due to inaccuracies. The CRA has a pattern of denying my rights under the FCRA ( sect 611 ). They have reinserted inaccurate and incomplete information further depressing my credit scores. Experian has stalled my dispute process randomly requesting identification documents which they have on file and, were submitted with my disputes.
The following accounts continue to report inaccurate, missing and unverifiable information : 1. XXXX/XXXX Account # XXXX : Date Opened XX/XX/XXXX : Account has missing information which the CRA will not update ; Highest Balance, balance. Request for immediate deletion.
2. XXXX Account # XXXX : Date Opened XX/XX/XXXX : The account is missing its complete payment history. It is only reflecting 7 months of my payment history. Request for deletion due to incomplete information and failure to resolve within time allowed by FCRA.
3. XXXX/XXXX XXXX Account # XXXX : Date Opened XX/XX/XXXX : Account is missing balance which should read " XXXX '' /XXXX. It is left blank. Request for payment history verification due to inaccurate missed payment was not honored. Request for deletion due to inaccuracies.
I have a right to complete and accurate information, or the accounts here must be removed immediately. I am respectfully asking them to comply with FCRA. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19454 | null | Consent provided | Web | 2020-09-17 | Closed with explanation | Yes | null | 3,851,807 |
2022-02-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Fraud Department : Remove fraudulent accounts from my credit report. | null | EQUIFAX, INC. | CA | 92551 | null | Consent provided | Web | 2022-02-14 | Closed with explanation | Yes | null | 5,219,418 |
2020-05-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I pulled a copy of my credit report and notice information from XXXX XXXX XXXX on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXX stating that XXXX XXXX XXXX verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to XXXX XXXX XXXX XXXX XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled '1st letter sent ' ). To date we still have not receive a response from XXXX XXXX XXXX and we know they receive the correspondence sent ( please see attach signed green return receipt ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33024 | null | Consent provided | Web | 2020-05-30 | Closed with explanation | Yes | null | 3,675,194 |
2021-09-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | please help me against my consumer rights being violated as the statement. | null | Nelnet, Inc. | NY | 132XX | null | Consent provided | Web | 2021-09-23 | Closed with explanation | Yes | null | 4,747,663 |
2021-02-16 | Debt collection | Payday loan debt | Written notification about debt | Didn't receive enough information to verify debt | XXXX XXXX sold XXXX debt from XXXX XXXX to National Credit Adjusters , LLC after attorney in XXXX was disputing the amount owed and requested documents with itemized payments. We never received the documents requested.
NCA is now re-aging this debt on my credit reports as XXXX debt while it was in dispute and received no response from XXXX XXXX.
Complaint to XXXX XXXX is stating different dates and different amounts owed from NCA. That is enough to investigate inaccuracies.
XXXX XXXX stating XXXX XXXX went into collections ; NCA is reporting XX/XX/XXXX to credit bureaus without me acknowledging the debt.
Also XXXX is stating I owe {$1800.00} ; NCA is reporting amount owed is {$2100.00} to credit bureaus. | null | National Credit Adjusters, LLC | TX | 75028 | null | Consent provided | Web | 2021-02-16 | Closed with explanation | Yes | null | 4,143,453 |
2023-01-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | XXXXX | null | Consent provided | Web | 2023-01-27 | Closed with non-monetary relief | Yes | null | 6,494,738 |
2023-04-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XX/XX/XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 293XX | null | Consent provided | Web | 2023-04-14 | Closed with non-monetary relief | Yes | null | 6,842,446 |
2017-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Billing dispute for services | I had not used my target card in over 2 months because my balance was {$0.00}. Checking my credit card statement in early XXXX it showed t hat I had reported owing money to Target, and it had caused a large hit to my credit score when I was trying to buy a house. I tried contacting Targets credit card support but they told me there was nothing I could do. I immediately paid them the {$15.00} that it showed I owed them. There was never any statement sent to my address, or my previous address and I had not received any emails either. I was told on the phone that even though I paid the balance on the card, they would not remove the credit card hit because " I was sent a statement so I knew I owed money ''. Very rudely the representative ended t he conversation. I tried calling back many times and explaining I was never told I owe any money, all ending with the same result. Eventually I ended up just calling to cancel the card because I was getting such rude and un-helpful service. I have filed disputes with all XXXX major credit agencies to get this removed, explaining to each of them that Target is being completely uncooperative. | null | TD BANK US HOLDING COMPANY | CA | 92105 | Servicemember | Consent provided | Web | 2017-05-26 | Closed with explanation | Yes | null | 2,494,586 |
2023-06-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I kindly request that you update my credit report and remove the public record that is currently listed. | null | EQUIFAX, INC. | WA | 98034 | null | Consent provided | Web | 2023-06-07 | Closed with explanation | Yes | null | 7,085,136 |
2019-01-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I HAVE REQUESTED PHYSICAL DOCUMENTATION FROM XXXX XXXX OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Charter DELETE this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that XXXX XXXX pick a day in XX/XX/2018, where we can meet in XXXX CA. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note. | Company can't verify or dispute the facts in the complaint | The CMI Group, Inc. | CA | 92395 | null | Consent provided | Web | 2019-01-18 | Closed with non-monetary relief | Yes | null | 3,128,622 |
2021-03-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I XXXX XXXX XXXX entered a consumer credit transaction with XXXX XXXX Bank on XX/XX/2017, due to this being a consumer credit transaction a finance charge was involved, 15 US code 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card. | null | EQUIFAX, INC. | CA | 90620 | null | Consent provided | Web | 2021-03-30 | Closed with explanation | Yes | null | 4,258,535 |
2020-12-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Unauthorized credit inquiries that I need removed from my report, I currently have a fraud alert and freeze on all bureaus but I need the ones that did get through to be removed.
List of unauthorized inquires : XXXX : XXXX XXXX XXXX XXXX-XX/XX/2020, XX/XX/2020, XX/XX/2020 XXXX- XX/XX/2020 XXXX : XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX-XX/XX/2020 XXXX XXXX-XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 XXXX : US SM BUS ADMIN ODA- XX/XX/2020 XXXX XXXX-XX/XX/2020 XXXX-XX/XX/2020, XX/XX/2020 XXXX XXXX-XX/XX/2020 , XX/XX/2020, XX/XX/2020 XXXX XXXX- XX/XX/2020 | null | CBC Companies, Inc. | TX | 76549 | null | Consent provided | Web | 2020-12-13 | Closed with explanation | Yes | null | 4,008,907 |
2018-09-24 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | I have tried to communicate with Portfolio Recovery Associates, LLC via certified mail on this particular account for the past three months. I have requested Portfolio Recovery associates, LLC to remove this incorrect account from my credit report. I have asked Portfolio Recovery Associates, LLC also to provide any documents bearing my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I have also asked Portfolio Recovery Associates, LLC to provide names, Addresses and telephone numbers of each person contacted regarding this alleged account. I have told them via certified mail, that one of their employees signed for, that I any automated or XXXX verification is unacceptable. As of this date of complaint that I am filing with you, I have not received any documentation. The only response I have received back is that Portfolio Recovery Associates, LLC has verified and closed the case.
Account Name and address is Incorrect that is on the bill they are saying is mine.
If not resolved I will be forced to file in small claims court. | null | PORTFOLIO RECOVERY ASSOCIATES INC | AL | 350XX | null | Consent provided | Web | 2018-10-01 | Closed with explanation | Yes | null | 3,027,901 |
2022-01-02 | Checking or savings account | Other banking product or service | Closing an account | Funds not received from closed account | This is the XXXX complaint i am submitting because the XXXX previous responses capital one never did what was said in those responses. Capital one is being holding frozen approximately {$70000.00} of my XXXX XXXX funding since XXXX 2021.even after submitting all the docs they required. In the last response cap one has stayed that they would be returning the funds to the sender MBE CAPITAL PARTNERS by XX/XX/2021. Of course they never did SO I WOULD LIKE TO KNOW WHY THEY DIDNt DO WHAT THEY STATED ON THEIR LAST RESPONSE? IT SEEMS THAT THEY TRYING TO KEEP THE MONEY THATS WHY THE DISHONESTY OTHERWISE WHY WOULD THEY KEEP LYING ABOUT IT. Also as i am not the only person they are doing this too i would like capital One to give a report as to where all those funds are. | null | CAPITAL ONE FINANCIAL CORPORATION | NY | 10467 | null | Consent provided | Web | 2022-01-02 | Closed with explanation | Yes | null | 5,061,902 |
2023-06-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Certified mail sent with information explaining the primary users responsibility per a divorce decree to close an account. It also states if he did not close it he would be solely responsible. I received a letter stating the information that I sent was insufficient. I called the number provided. They claimed they could not see the information sent and did not have anything to collaborate it was sent regarding the information placed on my credit report. The amount is for {$100.00} after I notified my ex husband, he then reported the unpaid amount as fraudulent. I mailed my information on XX/XX/XXXX. I received the letter that there was insufficient evidence on XX/XX/XXXX. The letter was dated for XX/XX/XXXX.
I want this debt erased from my credit report. I informed them but they have not removed it or place my credit score to its original state. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | MA | 01960 | null | Consent provided | Web | 2023-06-26 | Closed with non-monetary relief | Yes | null | 7,169,264 |
2023-06-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 34638 | null | Consent provided | Web | 2023-06-13 | Closed with explanation | Yes | null | 7,112,063 |
2022-06-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life.
in accordance with the Fair Credit Reporting act XXXX XXXX account XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33462 | null | Consent provided | Web | 2022-06-26 | Closed with non-monetary relief | Yes | null | 5,711,875 |
2023-05-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IN | 463XX | null | Consent provided | Web | 2023-05-07 | Closed with explanation | Yes | null | 6,939,960 |
2017-11-15 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | I received a letter in the mail requesting collection of debt XX/XX/XXXX for a Citibank card. The letter I received says I allegedly owe {$1400.00}. I contacted Citibank to verify what information was in their system to validate the legitimacy of the letter, at which point I was informed that the debt was being managed by a separate collection agency/law office. I found this odd because the debt was not on my credit report and in XX/XX/XXXX, I received a letter stating my inactive account was being credited for an identity or credit protection service I had during the time my account had been active. Also in XX/XX/XXXX, I received in the mail a pre-approval letter for the Citibank Diamond Preferred card, which further confused me. Yesterday, XX/XX/XXXX, I received another Citibank card offer for a ThankYou Preferred card. If I had outstanding debt with Citi, why would I be eligible for their top cards?
The 3rd party organization also sent a letter claiming to file a foreign judgment with the current state I 'm living in, which I do n't even understand what that means.
This matter has resulted in further research and I uncovered that Citibank broke the law by providing inaccurate and inflated interest rate information for about 130,000 credit card accounts it sold to debt buyers. The bank also was accused of failing to promptly forward about 14,000 payments from customers, totaling about {$1.00} XXXX, to the debt buyers. When I reached out to the 3rd party company that sent the letter, I was told that only {$200.00} worth of payments to Citibank was recorded associated with the inactive card account, which again makes no sense.
I also learned that from at least XX/XX/XXXX to XX/XX/XXXX, Citi used misleading statements to get people to sign up for debt protection services, and charged for credit monitoring services it sometimes did n't provide, the consumer protection bureau said. XXXX also charged a {$14.00} fee for same-day payment on delinquent accounts, a service that most users did n't need, according to the agency. Which I had clearly been a victim of due to the refund letter received. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MD | 20770 | Servicemember | Consent provided | Web | 2017-11-15 | Closed with explanation | Yes | null | 2,729,518 |
2023-02-18 | Debt collection | I do not know | Written notification about debt | Didn't receive notice of right to dispute | I am filing this complaint pursuant to : 12CFR 1006.34 ( d ) ( 2 ), 12 CFR 1006. ( 1 ) ( 8 ) ( e ) and the Fair Debt Collection Practices Act 809 ( a ).
Prior to receiving the attached collection letter from XXXX XXXX XXXXXXXX dated XX/XX/2023... .I had never heard of or from this collection agency before. No initial communication from them whatsoever.
I have never spoken to anyone from this collection agency, or any other agency affiliated with this collection agency, to include, ( GALAXY INTERNATIONAL PURCHASING , LLC, by phone, US mail or email, regarding the alleged debt that they are attempting to collect. However, they sent the attached settlement letter without sending me a MODEL B-1 validation notice or notice to dispute, which are violations of the FDCPA.
There are several FDCPA violations involved in this matter, which is why I pray that the CFPB will investigate. | null | Galaxy Capital Acquisitions, LLC | NC | 28105 | null | Consent provided | Web | 2023-02-18 | Closed with explanation | Yes | null | 6,589,470 |
2023-03-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters. | null | EQUIFAX, INC. | GA | 30296 | null | Consent provided | Web | 2023-03-19 | Closed with explanation | Yes | null | 6,717,734 |
2017-12-06 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | Hi CFPB : I am a " client '' of XXXX XXXX XXXX XXXX XXXX XXXX, and in the five years I have been out of XXXX school, I have repaid roughly {$25000.00} on {$69000.00} worth of student loans through a consolidated loan held by Great Lakes. {$20000.00} of that was paid to interest, and just {$4000.00} to principal. According to their website, I still owe more than {$62000.00} a mere five years after graduating from my program. In other words, in just five years since finishing graduate school I have been charged my fixed 6.12 % interest rate to the tune of the down payment on a house, without touching the principal which is still generating a high monthly interest. The issue was that Great Lakes misadvised me about the type of repayment plan I should be on, and for five years I was paying below the minimum required to avoid accruing additional interest on a graduated repayment plan. I wrote to them and spoke by phone for years with people at Great Lakes who assured me that this was not the case, and could n't explain the discrepancy between what I had paid and what I had borrowed. Unfortunately and conveniently for Great Lakes, their website only displays payment history as follows : " Your payment history shows up to 12 months of transactions and only includes transactions since Great Lakes began servicing your loan. '' But they should have these records. I am currently paying {$900.00} a month to try to pay down this loan, which is why I 've managed to pay {$4000.00} toward the principal. Otherwise Great Lakes would have had me on a plan paying only interest for who knows how long? When I checked today what the minimum payment would be for their " graduated repayment plan '' it still said my payment would be $ XXXX/mo. This is less than the amount of interest that is generated on my loans, meaning I would be effectively underpaying an amount that would eventually lead to a pay off. Their graduated plan is a total scam, and I 'm sure I 'm not the only person who has fallen into this trap. I 'm just glad I realized it five years in rather than 10. That said, their mis-representation and mis-consultation of my case has cost me dearly -- and if I were to stay on the $ XXXX/month graduated plan their current calculator tells me it would cost over {$72000.00} in interest alone, meaning my total pay off amount would be roughly three times what my initial loan amount was for. Through multiple phone calls and emails, I never got a straight answer why my payments were not deducting from interest ( i.e. why the principal kept growing even though I was paying what they recommended I pay each month ). Great Lakes is not looking out for people like myself who took out federally subsidized student loans directly from the federal government and then got wrapped up into their money making schemes. I believe this should be the subject of a class action suit, and that many people like myself would stand to reap substantial reimbursements. Please feel free to be in touch if you agree. Thank you for your time and attention and your willingness to help. | Company believes it acted appropriately as authorized by contract or law | GREAT LAKES | NY | 11222 | null | Consent provided | Web | 2017-12-06 | Closed with explanation | Yes | null | 2,747,214 |
2023-06-23 | Student loan | Private student loan | Dealing with your lender or servicer | Received bad information about your loan | In XXXX I had my XXXX XXXX and XXXX XXXX Subsidized loans consolidated with XXXX XXXX ; these were subsequently serviced by Navient. In XX/XX/XXXX I requested a temporary forbearance due to COVID-19 and the fact that my FFELP consolidation loans were not a part of the student loan pause created by the CARES act. They had me believe this was my only option and that I was not eligible to reconsolidate these loans to take advantage of the student loan pause and more importantly to me the pause on student loan interest. I resumed payments in XX/XX/XXXX and have continued to make payments on time, and often above the minimum amount due, throughout this time. I have recently ( XX/XX/XXXX ) become aware that I am able to apply for a Direct consolidation loan and immediately applied after learning this from a studentaid.gov representative. I have contacted Navient ( XX/XX/XXXX ) asking if there were any way to adjust my account and remove the interest charged during this time and apply it towards the principal and was told the only thing they can do is a forbearance or possibly lower my payments.
This is a company that no longer services federal student loans, yet is allowed to continue to deceive it's customers and profit from the misinformation it provides. I have paid thousands of dollars in interest during this time that would have all gone towards the principal had I consolidated with direct loans years ago as a direct result of this deception by Navient. | null | Navient Solutions, LLC. | NY | 146XX | null | Consent provided | Web | 2023-06-23 | Closed with explanation | Yes | null | 7,157,879 |
2023-03-14 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | All of a sudden I started getting harassment phone call also calls was made to my daughter as well threatening to sue me take me jail and contact my employer. I tried r play I have never hard of a company call total credit o told them it wasnt mine.. the company become belligerent and started swearing at me | null | Total Card, Inc. | IL | 605XX | null | Consent provided | Web | 2023-03-14 | Closed with explanation | Yes | null | 6,688,736 |
2019-05-17 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | On XX/XX/XXXX I mailed a payment to the credit card company, envelope was postmarked XX/XX/XXXX. The payment due date was XX/XX/XXXX. In accordance with the provisions of the Postmark Prompt Payment Act of 1995, the payment should have been consided as ontime. The company ( Comenity Bank-HealthiPlan ) went by receipt date ( XX/XX/XXXX ) and charged a late fee. I called and asked them to remove the late fee but they refused saying it was their policy to go by receipt date | null | Bread Financial Holdings, Inc. | WA | 98513 | Older American, Servicemember | Consent provided | Web | 2019-05-17 | Closed with explanation | Yes | null | 3,246,031 |
2019-08-29 | Credit card or prepaid card | General-purpose prepaid card | Problem with a purchase or transfer | Charged for a purchase or transfer you did not make with the card | I Have a prepaid card that I obtained at a store, The purpose of the car was to have somewhere to receive my direct deposit from my employer and use the funds to pay for my bills and everyday expenses.
I have never had an issue like this before with any company where I felt such incompetence and lack of information is provided to its consumers. The reason as to why I did not have a debit card was because I did not want the high monthly fees for a bank account but in this very moment i am infuriated with how American Express Serve handles the protection to its consumers and its ability to solve Fraudulent concerns.
With American Express Serve prepaid card, anywhere I try to use the card, it must be processed as credit and credit only, it is like their debit function does not work.
This provides enough evidence to prove that I do not provide my pin information ANYWHERE, I cant, the card does not even function as a debit card.
I do not use my card everyday, therefore I do not feel the need to check my balance everyday. I only check this account when I want to insure that my direct deposit money went into the account or when i have made a payment or processed a payment at a store.
On Wednesday XX/XX/XXXX I received my direct deposit email notification, I proceed to check my Bank account Balance and I see that I did not have the money that I was expecting to have, I immediately check my transaction history and see that there were THREE ATM withdrawals and FEES for these withdrawals. In that very moment I call the card company and inform them that these withdrawals were not done by me and that it is clearly a Fraud. I ask them to give me locations of where this money was withdrawn and they were not able to provide me this information. I then proceeded to ask how this money was taken out when A. The card was in my possession at all times, B. no one has access to my card because I live on my own and C. They needed my ATM Pin number in order to withdraw the Money. which is impossible for me to have provided to anyone or anywhere due to the fact that the card only slides as credit everywhere I go.The representative was not able to provide a response to how this money could have been taken.
The first Transaction was Taken on XX/XX/XXXX with money taken out of a total of {$500.00} dollars, which is weird because banks only allow you to withdraw money in whole numbers and bills of {$20.00}. The second Transaction was right after of {$200.00}. Again not in whole numbers.
The next transaction took place on XX/XX/XXXX for a total amount of {$700.00} again not a whole number.
I was told I would receive a declaration of fraud email with some documents that I had to fill out, I filled this out and submitted this on XX/XX/XXXX. They proceeded to send me another card in the meantime but I had to pay {$20.00} in order to get this expedited because I Had bills that needed to be paid during that week. I couldn't believe the fact that she charged me this much even after the Fraud claim. After submitting the document that Friday XX/XX/XXXX I called the company again to inform them that I submitted this and ask them for an explanation as to why they were not able to provide me with the location of where the ATM money was taken out from. What bank or card does not have such tracking information?! They said that they were only able to find one location the one where the money was taken out back to back on XX/XX/XXXX, that it was at a XXXX XXXX at XXXX XXXX and XXXX XXXX, that the only information they have of the ATM withdrawal on XX/XX/XXXX was that it was in XXXX. It is crazy that they could not provide details. I filed a police report online and I will be heading to the police station this week to find out if they have any updates. I get a response today on XX/XX/XXXX that they have closed my Fraud claim and that my the credit of my money was not approved. I was so upset and i called them again and they say that all that they can do is re-open the case, have me do the same procedure, get a deceleration of fraud claim in two business day in my email, fill this out, send it back and they will notify me again withing 10 business days about a response for the credit. I feel like it is a joke to go through the same process, it feels like they did not investigate properly, I informed them that i will file a complaint against their card company and that I have video footage that during the times they provided me with of when the money was taken out I was at work, my bag was with me, my card was with me and I was there from XXXX XXXX till XXXX XXXX therefore there was evidence that I did not withdraw that money. I have the evidence for whenever they or you need it but i need to get my money back. It was for a total of over {$1400.00} and as a XXXX XXXX XXXX and full time worker this is not money that comes to me easily. That is two weeks of hard work that i put into and i need this resolved.I read reviews from this company in regards to how they handle fraud claims right after I filed this complaint and I have read about multiple consumers upset about how they were not able to get their money back from this company. I read the company 's terms and we should be protected from fraud unless they have false advertised this which I am willing to begin a battle with them about. | null | AMERICAN EXPRESS COMPANY | CA | XXXXX | null | Consent provided | Web | 2019-08-29 | Closed with explanation | Yes | null | 3,357,297 |
2023-04-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 305XX | null | Consent provided | Web | 2023-04-19 | Closed with non-monetary relief | Yes | null | 6,859,995 |
2018-10-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Account was settled and closed from Santander Consumer. however, XXXX is refusing to remove it from my credit report nor Santander Consumer is unable to locate my account ... additionally, Santander Consumer lost to class action lawsuit and agree to remove any negative credit report from consumer who was effected. | null | Santander Consumer USA Holdings Inc. | TX | XXXXX | null | Consent provided | Web | 2018-10-10 | Closed with explanation | Yes | null | 3,042,403 |
2018-09-20 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | I am in receipt of a letter from Sequium Assets, XXXX XXXX XXXX, # XXXX, XXXX, Ga XXXX stating that I owe {$8.00} to XXXX. Please note, XXXX has sent no bills to me regarding this. I signed up for their service and cancelled within their no penalty cancellation policy after a few days. My credit card was never charged and XXXX has had full access to it. Not a valid debt and no evidence or supporting documents have been provided. Their number is XXXX.
Thank you | Company believes it acted appropriately as authorized by contract or law | Sequium Asset Solutions, LLC | TX | 77479 | null | Consent provided | Web | 2018-09-20 | Closed with explanation | Yes | null | 3,023,115 |
2023-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$270.00}, XXXX XXXX Balance Owed : {$9600.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77375 | null | Consent provided | Web | 2023-06-16 | Closed with explanation | Yes | null | 7,126,456 |
2018-08-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Since XX/XX/2017 I have been disputing a XXXX XXXX XXXX account on my credit that I don't remember having. I have sent 3 separate letters and the credit bureaus responded stated that they verified that the account belong to me so I said fine, send me proof and to date they have not responded with any proof. They keep sending the same computer generated report which states that the account is verified. | null | EQUIFAX, INC. | NY | 12533 | null | Consent provided | Web | 2018-08-30 | Closed with explanation | Yes | null | 3,006,346 |
2018-02-19 | Credit card or prepaid card | Store credit card | Fees or interest | Problem with fees | Starting in XXXX of XXXX, my now ex-boyfriend stopped paying on our XXXX XXXX credit card, when we broke up in XX/XX/XXXX he said that he was continuing to pay on the card ( he was not ) in XXXX of XXXX, I received a notice that he had filed bankruptcy and went to dig into the status of this account.
That is when I discovered that it had not been paid on, as he was the primary account holder, XXXX XXXX/Citi Bank never made an attempt to contact me.
Once I found out, got account access to the account I was able to make the burdensome payment of {$290.00} a month, since XXXX of XXXX.
Despite that, I have made no progress on the balance. I am being charged a onerous and abusive interest rate of 26.49 %, on top of overlimit charges and late fees.
Attempts to contact them to find a resolution have been useless, and so I have no choice but to file a complaint with the CFPB.
This has caused me to be declined for other loans and financial resources that I otherwise would have qualified for, as my other obligations are met on time. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MI | 48313 | null | Consent provided | Web | 2018-02-19 | Closed with explanation | Yes | null | 2,818,885 |
2019-08-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I HAVE TRIED THRU ALL THREE CREDIT AGENCIES. I HAVE ASKED THEM TO VERIFY PAYMENT STATUS ON THE LOAN. EXPERIAN HAS FAILED TO VERIFY CORRECTLY OR AT ALL. XXXX XXXX AS WELL AND XXXX.XXXX XXXX XXXX SENT ME A CERTIFIED LETTER TO SHOW PAYMENT STATUS. ALL PAYMENTS WERE PAYMENTS WERE MADE BY THE DUE DATE OF THE 28TH OF THE MONTH OR A FEA DAYS PAST.. THEIR OWN PAPER WORK SHOWS THE DISPUTED DATES ARENT 30DAYS AN THEY ARE REPORTING IT AS SUCH. THEY ARE IN VIOLATION OF THE FCRA AND HAVE BEEN. THEY ARE HARD TO DEAL WITH, THEY HAVE DENIED PAYMENTS TO THE ACCOUNT BECAUSE IT WAS LATE, AND TO GO IN PERSON TO A BRANCH TO GET IT FIXED OR CALL MANY TIMES. THIS COMPANY HAS BLOCKED ME FROM MAKING PAYMENTS, AND JUST TELLS ME THAT CAN REFUSE ANY PAYMENT THEY WISH. THE CAR HAS NEVER NEVER BEEN IN REPO STATUS FOR THIS NOR WAS IT TAKEN. THEY ARE RUDE AND VERY HATEFUL TO DEAL WITH. A XXXX COMPLAINT WAS FILED AS WELL. EXPERIAN AND XXXX XXXX AND XXXX ALL HAVE REPORTED IN ACCURATE PAYMENT STATUS AND REFUSE TO GET PROOF.PROOF IS NOT A REP SITTING A COMPUTER AND SAYING YES OR NO. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 80401 | null | Consent provided | Web | 2019-08-19 | Closed with explanation | Yes | null | 3,346,377 |