Date_received
stringlengths 10
10
| Product
stringclasses 10
values | Sub_product
stringclasses 30
values | Issue
stringlengths 16
80
| Sub_issue
stringlengths 11
85
| Consumer_complaint_narrative
stringlengths 12
11k
| Company_public_response
stringclasses 10
values | Company
stringlengths 3
78
| State
stringlengths 2
2
⌀ | ZIP_code
stringlengths 5
5
| Tags
stringclasses 3
values | Consumer_consent_provided?
stringclasses 1
value | Submitted_via
stringclasses 1
value | Date_sent_to_company
stringlengths 10
10
| Company response to consumer
stringclasses 6
values | Timely_response?
stringclasses 2
values | Consumer_disputed?
stringclasses 2
values | Complaint_ID
int64 1.3M
7.71M
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2017-10-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX raised my house payments on the original contract from {$700.00} to {$920.00}. the company said I was behind on escrow payments which included property taxes that I do not have to pay due the law that I am XXXX XXXX XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | RoundPoint Mortgage Servicing LLC | MS | 393XX | Servicemember | Consent provided | Web | 2017-10-12 | Closed with explanation | Yes | null | 2,700,164 |
2023-03-14 | 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 | Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do.
I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IN | 46205 | null | Consent provided | Web | 2023-03-14 | Closed with non-monetary relief | Yes | null | 6,694,401 |
2022-09-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some Collections reported on 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 Your company is in clear violation of the law. Under IS USC 1681C-2- Block of information resulting in identity theft. THE LAW CLEARY STATES " BLOCK Except as otherwise provided in this section, a consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 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.
Nowhere in this LAW it states that I have to provide you with any police report. This is clearly a stall tactic and going against my human rights. | null | EQUIFAX, INC. | IL | 60827 | null | Consent provided | Web | 2022-09-27 | Closed with explanation | Yes | null | 6,024,370 |
2022-07-21 | 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 | This is not my inquiry.
XXXX XXXX XXXX XX/XX/2020 Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33917 | null | Consent provided | Web | 2022-07-21 | Closed with explanation | Yes | null | 5,797,607 |
2017-03-31 | Debt collection | Payday loan | Cont'd attempts collect debt not owed | Debt was paid | My complaint is not part of any of the above categories. I hope my complaint will be considered. | null | Ad Astra Recovery Services Inc | CO | 80237 | null | Consent provided | Web | 2017-03-31 | Closed with explanation | Yes | No | 2,414,031 |
2020-05-05 | Debt collection | Medical debt | Written notification about debt | Didn't receive notice of right to dispute | Date : XX/XX/2019 Company : Renton Collection Original Creditor : XXXX XXXX XXXX Original Balance : {$850.00} Action taken : I filed a dispute with Renton Collection. The dispute ended XX/XX/2019 Result : Renton Collection declined the dispute request. | Company believes it acted appropriately as authorized by contract or law | Renton Collections Inc. | WA | 98087 | null | Consent provided | Web | 2020-05-05 | Closed with explanation | Yes | null | 3,638,774 |
2022-11-17 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Problem with customer service | Male called me from ( XXXX ) XXXX and took approx 10 seconds to respond to me saying " hello. '' He said he was calling from " Navient. '' I asked if he auto dialed my cell phone and he said " yes. '' I advised him he did not have permission to auto dial my cell phone. He then acknowledged he was looking for XXXX XXXX about his student loans. I advised him he hadn't authenticated me and just gave out personal information.
I then asked if he was in XXXX XXXX as his caller id indicated and he stated he was not. I accused him of violating the FDCPA and eventually he hung up on me. | null | Navient Solutions, LLC. | AZ | XXXXX | null | Consent provided | Web | 2022-11-17 | Closed with explanation | Yes | null | 6,215,665 |
2021-01-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89118 | null | Consent provided | Web | 2021-01-13 | Closed with explanation | Yes | null | 4,067,711 |
2017-01-19 | Student loan | Federal student loan servicing | Can't repay my loan | Can't decrease my monthly payments | The pay back amounts are totally unmanageable! The amounts change from day to day! Never get the same information from anyone. The amounts are different each call. | null | Navient Solutions, LLC. | LA | 714XX | null | Consent provided | Web | 2017-01-19 | Closed with explanation | Yes | Yes | 2,295,398 |
2023-07-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I have contacted the two Collection Agency and the accounts have be paid in full. Please remove XXXX XXXX XXXXXXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following names are on my TransUnion report and I have disputed them and they have not removed it from my report. I have not used any of these names and I need it to be removed from my report. XXXX XXXX, XXXX XXXX or XXXX XXXX. Under the XXXX.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 | 305XX | null | Consent provided | Web | 2023-07-31 | Closed with non-monetary relief | Yes | null | 7,331,478 |
2018-02-23 | Payday loan, title loan, or personal loan | Payday loan | Incorrect information on your report | Account information incorrect | This account is over eight years old I have tried to make arrangements and they refused | null | CURO Intermediate Holdings | TX | 76017 | null | Consent provided | Web | 2018-02-23 | Closed with explanation | Yes | null | 2,822,302 |
2022-03-26 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for committing identity theft. I have never given XXXX XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any documentation requesting validation from XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. | null | CAPITAL ONE FINANCIAL CORPORATION | SC | 29483 | null | Consent provided | Web | 2022-03-26 | Closed with explanation | Yes | null | 5,371,104 |
2020-01-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | On XX/XX/XXXX the following accounts were Deleted off my credit report from XXXX Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.
THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 70056 | null | Consent provided | Web | 2020-01-11 | Closed with explanation | Yes | null | 3,492,736 |
2020-09-20 | 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 | Credit report agency is showing XXXX account Company is showing an account in collections on my credit report for XXXX from a credit card with a limit of XXXX. I attempted to contact this company over the last 2 years several times but was not responded to however they are illegal verifying the debt as valid to the credit agencies and refusing to respond to my request for proof. The company does not respond to emails and I'm not able to speak with an actual person because you need to enter you credit card number or personal information. I DON'T HAVE AN ACCOUNT SO I HAVE NO CREDIT CARD NUMBER AND MY PERSONAL INFORMATION I ENTER SAYS NO ACCOUNT FOUND. THIS COMPANIES LACK OF INTEGRITY AND ACCOUNTABILITY IS CAUSING DEROGATORY INFORMATION TO BE SHOWN ON MY CREDIT REPORT CAUSING ME HARM AND SLANDER MAKING IT IMPOSSIBLE TO LIVE A WORRY FREE LIFE AND FINANCIAL FREEDOM DUE TO THE ERROR THEY REFUSE TO FIX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 194XX | null | Consent provided | Web | 2020-09-20 | Closed with explanation | Yes | null | 3,856,907 |
2015-08-25 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | I keep receiving calls from Wells Fargo Home Finance indicating that someone named XXXX at my number needs to speak with them. There is no XXXX at my number and I 've had this number for 5 years. I 've received 17 calls in 7 days including weekends and I 've told them numerous times to stop calling me as I am not the person they are trying to reach.. This is ridiculous and they wo n't stop despite telling me they will stop stating " It takes time to remove me from their call list ''. XXXX it does n't. They pull up the record to my number and told me how many times they called me as soon as I tell them to stop calling me. This is carelss harassment. | Company chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 92688 | null | Consent provided | Web | 2015-08-25 | Closed with explanation | Yes | Yes | 1,535,957 |
2023-07-28 | 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 | I recently checked my credit report to apply for a mortgage loan, and discovered many hard inquiries on my report. These are the inquiries that are errors in my report : XXXX XXXX XXXX INQUIRE DATE XX/XX/XXXX, XXXX XXXX INQUIRE DATE XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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. | OH | 441XX | null | Consent provided | Web | 2023-07-28 | Closed with non-monetary relief | Yes | null | 7,311,928 |
2023-04-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Hello, I am writing to dispute several violations of federal laws committed by the creditor regarding my credit report. I am extremely frustrated and emotionally distressed due to the negative impact these violations have had on my life.
My correct name is XXXX XXXX but bureaus are reporting it as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, MA XXXX XXXX And My Wrong Employers is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
The creditor has reported inaccurate information on my credit report, including multiple addresses that I have never lived at. These inaccuracies have affected my credit score, and have made it difficult for me to obtain credit and loans at reasonable rates. The creditor has violated several federal laws including : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) - This section requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. The inaccurate reporting of multiple addresses may be a violation of this section.
Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e - This section prohibits debt collectors from using false, deceptive, or misleading representations in the collection of a debt. Reporting inaccurate addresses may be a violation of this section if the debt collector knew or should have known that the information was false or misleading.
Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 6821 - This section requires businesses to implement reasonable policies and procedures to protect sensitive consumer information from unauthorized access or disclosure. The failure to protect sensitive consumer information resulting in inaccurate reporting of multiple addresses may be a violation of this section.
Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. - This law requires lenders to provide borrowers with certain disclosures about credit terms and costs. While the reporting of multiple addresses is not a direct violation of TILA, it may be a violation if the incorrect reporting is tied to an inaccurate disclosure of credit terms or costs.
Real Estate Settlement Procedures Act ( RESPA ) - 12 U.S.C. 2601 et seq. - This law requires mortgage lenders to provide certain disclosures to borrowers and prohibits certain practices, such as kickbacks for referrals. Reporting incorrect addresses could be a violation of RESPA if it is tied to a failure to provide required disclosures or if it is tied to a kickback scheme.
Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 et seq. - This law prohibits lenders from discriminating against borrowers on the basis of certain protected characteristics, such as race, gender, or age. Reporting incorrect addresses could be a violation of ECOA if it results in a lender using inaccurate information to make a discriminatory decision.
Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 et seq. - This law requires credit card issuers to provide certain billing error resolution procedures to cardholders. While the reporting of multiple addresses is not a direct violation of the FCBA, it could be a violation if it is tied to a failure to properly handle a billing error dispute.
These violations have caused me significant financial harm and emotional distress. I have been denied credit and loans, and have been forced to pay higher interest rates due to the inaccurate reporting. It has also caused me significant stress and XXXX as I feel like my financial security and future opportunities have been compromised.
I request that you enforce the legal provisions that have been violated, and that the creditor be required to remove the unverified accounts from my credit report. I also request that the creditor be held accountable for the financial and emotional harm they have caused me.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | KS | 67205 | null | Consent provided | Web | 2023-04-13 | Closed with non-monetary relief | Yes | null | 6,833,815 |
2017-07-21 | Debt collection | Mortgage debt | Took or threatened to take negative or legal action | Seized or attempted to seize your property | Thank you for fielding my previous complaint against XXXX, XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX. The bank, in addition to the attached and incorporated response to your office, sent the change in address to XXXX XXXX XXXX address in New Jersey, and to the attention of the special unit, as addressed on the copy I have provided, also attached and incorporated as my proposed updated complaint. In the alternative, please consider this correspondence as a new complaint against the parties contained in the correspondence, additionally attached and incorporated. I had not heard from the bank or their attorneys after receiving their responses from your office. In XX/XX/XXXX, I received the attached and incorporated post card notice, under envelope return addressed at XXXX XXXX XXXX XXXX XXXX address. Then in XXXX I received the attached Validation Notice from XXXX XXXX XXXX Attorney XXXX XXXX, XXXX, on behalf of NATIONSTAR MORTGAGE and post marked XX/XX/XXXX. I responded to the letter by sending a written request for substantiation/qualified written request on XX/XX/XXXX. The Notice of Auction letter was sentXX/XX/XXXX and I responded with the Notice of Grievance and Error, all attached and incorporated by reference. It is my position that the documentation mentioned above is evidence of knowing and egregious violations of Federal and New York State Debt Collection Procedure, RESPA and TILA, and contains false and misleading statements, simulations of legal or judicial process and sanctionable ethical and professional misconduct. I hope that your office can assist or mediate in interrupting their wrongful actions. | null | NATIONSTAR MORTGAGE LLC | NY | XXXXX | null | Consent provided | Web | 2017-07-21 | Closed with explanation | Yes | null | 2,580,900 |
2018-03-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have submitted over ten disputes with Equifax, for 1 account with the XXXX XXXX XXXX Account # XXXX to be reported correctly, it has been listed on my report with comments as Bankruptcy Chapter XXXX with an account status of included in Bankruptcy which is incorrect. I have request to have proof provided to me to show verification of the account status, I still have yet to receive this information or removal of the incorrect information. | null | EQUIFAX, INC. | CA | 95823 | null | Consent provided | Web | 2018-03-31 | Closed with explanation | Yes | null | 2,860,354 |
2020-06-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Experian showing incorrect balance, current status for this account is {$580.00} with available balance of {$1400.00}. I have sent multiple disputes and they keep reporting inaccurate data | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 75115 | Servicemember | Consent provided | Web | 2020-06-24 | Closed with non-monetary relief | Yes | null | 3,714,227 |
2022-08-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have asked XXXX XXXX XXXX to send me proof that these credit cards was opened by me because it is fraud and they have yet to do so. It has been 1 year of disputing them and they refuse to send me any verification documents, file or procedures used to verify account. This is a violation of my consumer rights and I demand that they delete these accounts today!
These accounts are causing me to lose out on employment and extension of other credit opportunities. I never gave them permission to use my personal information, they are violating my privacy by sharing inaccurate information with other parties which is identity theft and they refuse to rectify the situation.
Delete these accounts now : XXXX. XXXX XXXX. XXXX I have included my id so please do not use stall tactics and say that you can not verify me. | null | EQUIFAX, INC. | GA | 30312 | null | Consent provided | Web | 2022-08-17 | Closed with explanation | Yes | null | 5,889,330 |
2023-07-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.
15 USC 1681 s-2 Says XXXX, Equifax and XXXX is a furnisher of information to a consumer reporting agency.
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} | null | EQUIFAX, INC. | PA | 19601 | null | Consent provided | Web | 2023-07-11 | Closed with non-monetary relief | Yes | null | 7,235,806 |
2022-01-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX is reporting inaccuracies to my report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 303XX | null | Consent provided | Web | 2022-01-09 | Closed with explanation | Yes | null | 5,087,878 |
2022-06-06 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | I XXXX XXXX am a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you WFDS to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. WFDS must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for WFDS to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and WFDS. Providing that WFDS is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 77082 | null | Consent provided | Web | 2022-06-06 | Closed with explanation | Yes | null | 5,636,962 |
2023-09-01 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | N Accordance with the fair credit reporting act XXXX XXXX # XXXX XXXX has violated my rights 15 US C 1681 section 602a states i have the right to privacy.15US C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instruction. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | MI | 48066 | null | Consent provided | Web | 2023-09-01 | Closed with explanation | Yes | null | 7,487,554 |
2020-12-17 | Credit card or prepaid card | General-purpose prepaid card | Problem with a purchase or transfer | Card company isn't resolving a dispute about a purchase or transfer | On XXXX XXXX I paid {$100.00} for a XXXX with XXXX XXXX XXXX. Unfortunately it was not a XXXX, the dr did not even look at the area I wanted the XXXX XXXX done on, did not answer questions, this was not a XXXX. I sent an email with questions and concerns to XXXX of XXXX XXXX XXXX on XX/XX/2020. XXXX replied on XX/XX/2020 stating that they would issue me a full refund for {$100.00}, did not want to work with me on my XXXX. See her email below which I have attempted to share with US BANK for dispute claim : From : XXXX XXXX Sent : Thursday, XX/XX/2020 XXXX AM To : XXXX XXXX < XXXX XXXX> Subject : Re : Additional questions XXXX, After speaking with Dr. XXXX and staff, I believe it would be mutually beneficial to terminate the physician/patient relationship between our office and yourself and that you locate a new physician for treatment. You may contact our front desk and we will issue you a full refund for the {$100.00} consult fee you paid to your original payment method.
Sincerely, XXXX XXXX Manager XXXX XXXX XXXX ( XXXX ) XXXX I disputed the {$100.00} charge with US Bank on XX/XX/2020. US BANK issued {$100.00} provisionary credit and did not indicate that I would need to follow up with them, just explained that they would investigate dispute.
On XX/XX/2020 US BANK to my surprise with no explanation reversed the {$100.00} provisionary credit. I called US BANK and spoke with a supervisor named XXXX who explained that I never provided completed form that they needed. I explained I never received any form to fill out. XXXX said he would send the form via US mail. I waited and the form never came.
At this point on XX/XX/2020 I reached out to the dreaded XXXX at XXXX XXXX XXXX asking that she issue refund as promised because my dealings with US BANK were an awful runaround, dead end, nothing was being solved. XXXX said she would issue check if I removed negative review I posted about the XXXX XXXX XXXX. The check never came, she lied.
I called US BANK again on XX/XX/2020 asking for the form, for ways to get my {$100.00} back and the rep told me my dispute had expired. I asked to speak with a supervisor and he said he would have one call me back. No one ever called.
On XX/XX/2020 I called US BANK again asking for help with this dispute. I spoke with XXXX, a cardmember service rep and no resolution was provided, I am still owed {$100.00}, have not been given proper opportunity to provide proof that this dispute is valid. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CO | 802XX | null | Consent provided | Web | 2020-12-17 | Closed with monetary relief | Yes | null | 4,018,020 |
2017-10-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | On XXXX XXXX, 2017 I disputed the tax lien that equifax has been reporting on my credit file. Each time I dispute this item they say it has been verified but refused to provide me with the person name and number who verified this tax lien. I have a freeze on XXXX XXXX and the court house itself did not furnish any information to the credit bureaus. Equifax has claim on many occasions the furnished is the recorder of deeds, magistrate or municipal court. Which is all a violation of the XXXX to report false information and claim to get information from the court, when it is actually obtained from an unnamed 3rd party which can easily be considered false information on my credit report. | null | EQUIFAX, INC. | MD | 20746 | null | Consent provided | Web | 2017-10-31 | Closed with non-monetary relief | No | null | 2,715,588 |
2022-10-20 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | This is in regard to a Navy Federal Credit Union account. I noticed that the bank in question has been garnishing federal benefits do to a unsettled debt. The funds in question were derived from federal student aid that is deposited into my account from the institution that I am attending, XXXX XXXX. The specific amounts were {$700.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX. When I infomed Navy Federal about the mistake on their end in regard to garnishing federally protected benefits, the bank refused to refund my XXXX XXXX XXXX that had been deposited into my account and attempted to set my account on an automatic withdraw schedule in order to obtain a partial refund. This was the response from the representative of Navy Federal Credit Union that I spoke with on XX/XX/XXXX. I also informed the banking insitution that I could not setup an automatic withdraw schedule since I am currently not working due to a verified XXXX. | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | CA | 92335 | null | Consent provided | Web | 2022-10-20 | Closed with monetary relief | Yes | null | 6,109,836 |
2023-06-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX has wrong information no accounts have been opened on date XX/XX/2020 I have tried do dispute with no success this information is wrong I did not open any account with this date | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78572 | null | Consent provided | Web | 2023-06-25 | Closed with non-monetary relief | Yes | null | 7,164,622 |
2022-12-28 | 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 revisited my credit file and to my dismay, I see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you guys to perform a logical investigation on these accounts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 302XX | null | Consent provided | Web | 2022-12-28 | Closed with non-monetary relief | Yes | null | 6,373,189 |
2021-11-12 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | I was applying for a refinance on my home in XX/XX/XXXX. During the process, I was alerted that a collection item for {$60.00} had shown up on my XXXX and XXXX credit report. The collection was tied to a agency named Transworld Systems and was apparently from a utility account with XXXX from XX/XX/XXXX.
I am alleging that Transworld Systems did not provide me with notice prior to reporting it to the credit bureau. When i contacted them, they said they sent a letter on XX/XX/XXXX, but i never recieved it. Then they reported it exactly on XX/XX/XXXX without even giving me a phone call to alert me or ensuring I had recieved the written notice.
XXXX has already deleted the information because it was inaccurate. However, Transworld is continuing to say it is verified and accurate to XXXX -- despite the fact that it is a disputed debt. | null | TRANSWORLD SYSTEMS INC | VA | 24153 | null | Consent provided | Web | 2021-11-12 | Closed with explanation | Yes | null | 4,904,538 |
2017-12-31 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with rewards from credit card | I opened an American Express Business Platinum Card on XX/XX/XXXX. At the time, there was a 50 % bonus on points redeemed for airline travel with my selected airline ( XXXX ). American Express does not have an online or phone system set up to redeem points at that rate, and I have had to spend hours on the phone more than a dozen times over the past year to get that redemption and bonus. In XXXX of XXXX, American Express announced they would be reducing the 50 % bonus to 35 % ( though I never was informed directly, I read online ). American Express then said ( again, not directly, had to read online ) they would grandfather in the 50 % for card members who signed up before XX/XX/XXXX for a year. I called in during XXXX to inquire whether that 50 % bonus was from the time I opened the card ( XX/XX/XXXX ) or the time of the change from 35 % to 50 %, and I was told it was a year from the announcement ( XXXX of XXXX ). When I called XX/XX/XXXX to redeem the points and request the 50 % bonus, I was told it was grandfathered in from the open date of the card ( XX/XX/XXXX ) for a year ( so until XX/XX/XXXX ) and they would not honor the 50 % redemption. | null | AMERICAN EXPRESS COMPANY | VA | 221XX | null | Consent provided | Web | 2017-12-31 | Closed with non-monetary relief | Yes | null | 2,768,236 |
2023-07-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | 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.
PLEASE SEE ATTACHED LETTERS. | null | EQUIFAX, INC. | TX | 79938 | null | Consent provided | Web | 2023-07-16 | Closed with explanation | Yes | null | 7,259,456 |
2022-10-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 requesting validation on the charge-off accounts being reported on my credit report. I requested to original signed contract and the payment history proving the account belongs to be and should truly be in collections. For the attached accounts, I have not received any documents for the attached accounts and the 30 day investigation window allowed by the FCRA has expired. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27603 | null | Consent provided | Web | 2022-10-03 | Closed with non-monetary relief | Yes | null | 6,042,434 |
2021-03-28 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | Hi, I have been working to fix my credit for the past year running my reports with all three bureaus weekly. On XX/XX/XXXX an account appeared from a Midland credit management company. I contact them to inquire about this and was initially told they bought this account XX/XX/XXXX and that its an account opened in XXXX and they report to credit agencies within 90 days. I then asked them why they waited 13 months to report this and they would not provide me with an answer. Ive called repeatedly and they will not provide an answer. This is unfair business practices and it also caused me to lose a contract. | null | ENCORE CAPITAL GROUP INC. | GA | 30080 | null | Consent provided | Web | 2021-03-28 | Closed with explanation | Yes | null | 4,252,622 |
2021-12-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | When they ask you to write in details about the complaint : I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via XXXX certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases.
The account was also deleted from my XXXX and XXXX reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX credit report.
The information for this account listed on my credit report is : CREDITOR : USAA SAVINGS BANK, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$770.00} | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | MA | 023XX | null | Consent provided | Web | 2021-12-11 | Closed with explanation | Yes | null | 4,996,746 |
2019-07-10 | 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 received an auto loan from Rally Motor Credit who stop reporting my Car loan to the credit bureaus and now they merged with another company called XXXX XXXX. I have been calling them for a month and now they tell me they do not report car loans anymore which took my score. I have no credit score now yet I am up to dat on all of my payments and have been current with a balance and still pay for the auto loan yet they refuse to report to the credit bureaus. I need some help please as I am trying to buy a home. | null | Larry H. Miller Group of Companies | WA | 986XX | null | Consent provided | Web | 2019-07-10 | Closed with explanation | Yes | null | 3,301,225 |
2018-11-15 | Credit card or prepaid card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Didn't receive advertised or promotional terms | I signed up for a XXXX XXXX card in XX/XX/2018 by clicking on a promotional banner on XXXX 's website stating that I would receive XXXX XXXX points. I signed up because of the promotion to earn XXXX reward points. I remember distinctly because I was in the middle of a hotel reservation that I had to redo because the application took so long and I called my best friend right after to brag because she had only received XXXX points.
I spent over {$20000.00} on the card between XXXX and this month ( XX/XX/2018 ) only to find out that I would not get the XXXX points, but by some error, I was enrolled to only get two free nights ( up to XXXX points ). By another error, my two free nights were canceled, I was told in an attempt to give me the XXXX points instead. Chase then refused to reissue the free nights or to issue the XXXX points. Chase 's customer service team told me three different stories the three times I called to inquire about the points.
I believe that Chase lied to me repeatedly to keep my business, they did not stand by their advertised promotion ( which was the only reason I enrolled and used the card ). | null | JPMORGAN CHASE & CO. | FL | 32824 | null | Consent provided | Web | 2018-11-15 | Closed with non-monetary relief | Yes | null | 3,075,033 |
2019-04-07 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | On XX/XX/XXXX, I wrote to Commonwealth Finance regarding an unknown account they are reporting on my credit under account number XXXX for a sum of {$1600.00} and mailed it by certified delivery via USPS. Please see the attached letter descibing my situation and requesting validity of the account as I am experiencing issue with my personal identity and need to confirm the correct owner of this account. I have not to date received any response to my certified mail and have not witness the account deletion from my credit files.
Furthermore, please see the attached documents stating that I had effective medical insurance from XXXX to present and I want this derogatively reporting account removed from my ( 3 ) credit bureau files. | null | Commonwealth Financial Systems, Inc. | FL | 33441 | null | Consent provided | Web | 2019-04-07 | Closed with explanation | Yes | null | 3,204,387 |
2022-08-22 | 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. | FL | XXXXX | null | Consent provided | Web | 2022-08-22 | Closed with non-monetary relief | Yes | null | 5,904,296 |
2020-07-27 | 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 | After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33023 | null | Consent provided | Web | 2020-07-27 | Closed with explanation | Yes | null | 3,765,521 |
2019-11-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | AFTER CAREFUL REVIEW OF MY CREDIT REPORT I NOTICED THAT THERE WERE ACCOUNTS THAT WERE INACCURATELY PLACED ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I AM REQUESTING FOR THOSE ACCOUNTS TO BE REMOVED AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION. PLEASE INVESTIGATE AND HAVE THOSE DEROGATORIES REMOVE. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 11554 | null | Consent provided | Web | 2019-11-06 | Closed with non-monetary relief | Yes | null | 3,429,668 |
2019-08-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | I bought a car in XX/XX/XXXX and was financed by Capitol Bank. Capital Bank sold the loan to XXXX XXXX XXXX in XX/XX/XXXX. They deferred my payments for 2 months and stopped reporting to the credit bureau. Capitol Bank never reported selling the loan to XXXX XXXX XXXX to the 3 reporting agencies. My car loan just disappeared from all 3 reporting agencies. I found out in XXXX of XXXX when I purchased a vehicle for my daughter and got hit with a high interest rate because my vehicle was not showing on my report. So the company says that the are manually putting in not only my payments bother other customer accounts that they purchased and will be doing bulk reporting. So they have not been reporting for over a year and since I brought it to their attention in XX/XX/XXXX they still have not fixed the problem. They said they do not know when it will be finished and as soon as it's done they will report all payments. In the meantime they sent me a transaction sheet in XX/XX/XXXX. I requested another on in XX/XX/XXXX and never got it. | null | FIRST HORIZON BANK | NC | 27105 | Servicemember | Consent provided | Web | 2019-08-10 | Closed with explanation | Yes | null | 3,336,464 |
2019-11-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94533 | null | Consent provided | Web | 2019-11-14 | Closed with explanation | Yes | null | 3,438,407 |
2021-02-28 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | Fidelity Rewards Visa Signature Card XX/XX/2020 XXXX # XXXX XXXX, CA {$97.00} XX/XX/2020 XXXX XXXX # XXXX XXXX XXXX, CA {$250.00} I reported to Fidelity Cardmember Services on XX/XX/XXXX after discovering above two fraud transactions immediately. I explained to Fidelity agent that I didn't purchase anything from above two stores personally nor did online shopping on XX/XX/2020 or nearest dates.
After several calls with Customer services, the agent still insisted that card holder presented to the store and made the transactions. The agent failed to provide more details.
Therefore, I have to ask CFPB to get involved and help to solve my case. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 95014 | null | Consent provided | Web | 2021-02-28 | Closed with monetary relief | Yes | null | 4,172,369 |
2019-04-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | After checking my credit I realize that I have been victim of identity theft, inquiries has shown in my credit report that i did not authorize.
An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, please remove any other address, other than my current to prevent others to use my name. I'm reporting this as an effort to clear my name. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 07644 | null | Consent provided | Web | 2019-04-02 | Closed with explanation | Yes | null | 3,199,042 |
2020-06-17 | Checking or savings account | Checking account | Closing an account | Company closed your account | On XX/XX/17 I received an email from Chase bank saying that my account was closed due to suspicious activity. When I tried to log into my account it told me the account is locked and I need to call a number ( ( XXXX XXXX XXXX ). When I spoke to the representative on the line ( Fraud Department ), she was very rude and not helpful at all. She said my account is closed ( after 10+ years ) and she wont tell me why because XXXX can do whatever they want and they dont owe me an explanation.
Im at a loss for words here! I ended up going to a XXXX branch and spoke to a banker thinking this is a scam. And the banker told me that theres nothing they can do. She also told me she had another client this week with the same issue. It looks like this has something to do with receiving unemployment possibly. I have been receiving unemployment since mid XXXX due to COVID and in XXXX there was a fraudulent breach in the unemployment system in Washington state. I was not affected by this but I did have to confirm my identity with them which went through and I have been receiving payments to my checking account, until yesterday. I was dealing with unemployment for five weeks in regards to fraud and now possibly because of that situation, my checking account was closed.
This is a very unfortunate situation for me due to not having access to my finances right away so I can provide for my family as well as not being able to receive unemployment assistance since it's connected to my checking account. I was supposed to get paid today and the payment did not go through since my account is no longer valid. I was told I will receive a check with the remaining amount from my account ( not sure when this will happen ) and I can never open an account with XXXX in my life. I dont understand why this is happening. I dont know why my account was closed without an explanation.
So Im being punished for being a victim??? If this is truly regarding fraud and there was suspicious activity in my account, shouldn't I be aware of this information so I can take measures to prevent this from happening in the future?
XXXX needs to figure out their policies and regulations and let people have a chance at life instead of kicking them while theyre already down. A lot of people are struggling right now during these devastating times were going through and are barely making ends but here they are treating their customer so horribly. I will never recommend Chase to anyone I come across after what I had to go through in the last 24 hours. | null | JPMORGAN CHASE & CO. | WA | 98032 | null | Consent provided | Web | 2020-06-18 | Closed with explanation | Yes | null | 3,704,027 |
2023-06-27 | Debt collection | I do not know | Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse of remarks you not provided me a copy of any original documentation required under 15USC 1681G ( a ) ( I ) & USC16811 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all Information Which can not be verified. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 34743 | null | Consent provided | Web | 2023-06-27 | Closed with explanation | Yes | null | 7,168,060 |
2022-12-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have a charged off account that does not belong to me. I did not authorize it nor did I authorize someone to open the account under my name. I have many accounts opened under my name and this one appears to have been opened by the same person. I have filed a police report and FTC. I have submitted everything to XXXX and can not get any assistance to remove this. I am reaching out to you for help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AR | 721XX | Older American, Servicemember | Consent provided | Web | 2022-12-21 | Closed with non-monetary relief | Yes | null | 6,348,942 |
2018-10-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have contacted Transunion several times because i noticed they continue to report XXXX accounts on my credit file that does not belong to me, When i call Transunion to dispute i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone at Transunion.
My call is continued left bouncing around for hours. Finally after many attempts, i was told by a Representative at Transunion that XXXX accounts can not be disputed though Transunion and is not Transunion 's policy to investigate fraud on a report.
I told the representative at Transunion i did not sign or agree to any contract with XXXX, I did not Provide XXXX with my social security number, the address with XXXX does not match mine, the name does not match, i did not provide XXXX with my ID or phone number or wet ink signature. I did not agree to pay any debt or repayment loan with this with XXXX or any company they represent. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28110 | null | Consent provided | Web | 2018-10-13 | Closed with explanation | Yes | null | 3,045,156 |
2021-11-22 | 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 | XXXX. XXXX XXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX | null | EQUIFAX, INC. | TX | 76179 | null | Consent provided | Web | 2021-11-22 | Closed with explanation | Yes | null | 4,936,087 |
2023-04-06 | 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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer.
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. | null | EQUIFAX, INC. | TX | 77389 | null | Consent provided | Web | 2023-04-06 | Closed with explanation | Yes | null | 6,796,547 |
2023-05-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Birth date : XX/XX/XXXX Social Security # : XXXX Credit Bureau XXXX EQUIFAX Credit Bureau Address : XXXX XXXX XXXX, XXXX XXXX PA XXXX Date : XX/XX/XXXX Dear Credit Bureau Representative XXXX XXXX recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.
The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit.
2 ) Date they purport that I gave permission.
3 ) Method they purport that I gave permission please include documentation of said permission.
Thank You. | null | EQUIFAX, INC. | NC | XXXXX | null | Consent provided | Web | 2023-05-06 | Closed with explanation | Yes | null | 6,942,208 |
2021-04-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Discovered that XXXX does not report late payment greater than 30 days and that they only report greater than 90 days. On XX/XX/XXXX, according to agent XXXX XXXX with agent number of XXXX, he stated that my loans went out of deferment and the first loan payment was due XX/XX/XXXX, over 6 months later. Credit reporting agencies show that the loan was reported as " ok '' from XX/XX/XXXX thru XX/XX/XXXX. According to their records, they did not start reporting late until XX/XX/XXXX. I was not notified of loan coming out of deferrement status and in turn the loan has late payments from XX/XX/XXXX thru XX/XX/XXXX due to the false reporting of XXXX. They reported my loan as " ok '' from XX/XX/XXXX thru XX/XX/XXXX, when it was in reality in default. The loan has since been sold to XXXX and they are refusing to edit their false reporting of payments to all three credit bureaus. I have also included a deferment approval letter stating that my loan payments were never due. XXXX never communicated with me to notify me of loan payments being due. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85225 | null | Consent provided | Web | 2021-04-16 | Closed with explanation | Yes | null | 4,304,707 |
2017-05-23 | Credit card or prepaid card | General-purpose credit card or charge card | Incorrect information on your report | Account status incorrect | I accepted a balance transfer offer from Bank of America i n XX/XX/XXXX , an d opened with them a Credit Card ending in XXXX . In mi d XX/XX/XXXX I received a standard email from Bank of America about payment received to my Credit Card with them, just saying thank you for your payment, as usual. My Credit card is on autopay, and monthly payments are automated bank to bank. Then later that month I received a separate email from XXXX ( which I use to monitor my credit ) stating that there has been a negative report of delinquent payment on my Bank of America credit card. I went to the bank of America web service to see what was going on in my account, there I saw my payment had gone through without a glitch, nothing else on my credit card account. Since I do n't have much time to manage these things, my Credit card has been on autopay since I can remember. I was able to get back on the web and see my bank of America credit card account la ter in XX/XX/XXXX , the re I found a strange ( ledger styl e ) set of boxes to tick and allegedly confir m one b y one all my credit card payments ever made to the Bank of America Credit Card. I found this odd, but anyway I dedicated to it as much time as possible to confirm the last few years of payments one by one to this credit card. I checked that my autopay was still operational and decided to make the time and make a phone call to the company asap. Then I received a letter from Bank of America stating in general terms that due to recent changes in circumstances, I did n't know what changes or by whom, but anyway it was their letter and their decisions, that my credit limit was being decreased by {$1700.00}. Nothing else on such letter. Within a day or two, I got another email from XXXX , now I appeared as delinquent in payments fo r 30 a nd 60 days with Bank of America. I went back to the Bank of America Website to see my account, there I confirmed that my Credit limit had been reduced and that m y XX/XX/XXXX autopay payment had gone through without a hitch, but there was a request that I pay over {$500.00} in arrears for XX/XX/XXXX and XX/XX/XXXX . I picked up the phone and called the number on the back of the Credit Card. After a bit of digging, th e CS repre sentative for Bank of America explained to me that apparently my minimum payment had gone up, since I was up to then on a " reduced payment amount '' for their balance transfer offer. That was something no one ever contacted me about, and was not on my account at the Bank of America website. I had set up a monthly payment that was minimum payment plus {$20.00}. The explanation was that since that minimum payment amount apparently changed, the amount on autopay did not cover what the bank wanted to receive sin ce XX/XX/XXXX , but th ey failed to notify me in any way. So I paid the agent the full amount she asked for over the phone, and set up a new autopay amount f or XX/XX/XXXX . The Bank of America Customer Service agent assured me that since she understood that this was a technical glitch on the Bank 's end, and the credit card was on Autopay, I should have been contacted and it was a technical error, not a failed payment by me- the client, as was reported to the credit bureaus. She assured me that the error would be corrected, the negative report would be erased from my credit history, and all would be fixed with their apologies. Instead, what happened was that the bank reported to the credit bureaus that I had finally made the late payments, and they went ahead and closed my credit card, leaving me with a an outstanding debt on a credit card that has been cancelled by them. I found out about the Credit Card being closed through the Credit Bureaus, not by a bank notification. The bank actively destroyed my Credit instead of correcting the error. That was not what was agreed, and definitely hurt my credit on a credit card that was on autopay. This needs to be rectified. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | PR | 00683 | null | Consent provided | Web | 2017-05-23 | Closed with explanation | Yes | null | 2,491,533 |
2023-04-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | I would like to permanently delete the negative item on my report that is paid. Details and proof is in the attachments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NV | 890XX | null | Consent provided | Web | 2023-04-06 | Closed with explanation | Yes | null | 6,807,022 |
2017-08-08 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | On XX/XX/XXXX ( Saturday ), I deposited my payroll check at the Chase ATM Machine electronically. My payroll check has been always issued by J.P. Morgan Chase Bank, which is the bank of my XXXX XXXX. Such money/funds are immediately available, especially at Chase Bank/Branches.
I became a customer of Chase three weeks ago, and the Chase Banker knew I am applying for a Direct Deposit through my work/XXXX XXXX. All will be processed for the next pay period. I have had already two previous work checks, deposited at the Chase Bank, and Chase was aware the checks are not fraudulent. I was very surprised to learn that my payroll check, which was cleared at the time of deposit, or on XX/XX/XXXX with the entire sum available, was withdrawn/debited miscellaneously under the HOLD transaction and TWO BUSINESS DAYS LATER, or today, XX/XX/XXXX I ALLEGE that Chase Bank illegally and willfully commits a crime as withdrawing my payroll money from my personal checking account ( {$1000.00} ) for two reasons to charge me Overdraft fees of {$35.00} and to misuse my payroll money for few days and conduct Chase business transactions which will benefit Chase Bank, but greatly financially deprives me as a customer. Chase Bank had no lawful reason to place any hold my payroll checks are issued by J.P. Morgan Chase.
More importantly, the Chase Customer Service Department at XXXX is supportive of the illegal transactions of withdrawing funds of customers personal accounts. I called the Chase Bank Customer Service at about XXXX XXXX today, XX/XX/XXXX. I was scrutinized and not being helped at all and my time was wasted, as Chase Bank Representatives asked me numerous times for my Password. ( Later at the Chase Branch XXXX I learned that the so called Password is one expired password FROM XX/XX/XXXX from my Chase previously closed account in XX/XX/XXXX } Chase bank representatives were using expired password to PREVENT ME OF LOOKING MY ACCOUNT AND CLAIM MY WRIGHTS. I WAS CONFUSED AND ORIGINALLY PROVIDED THE CHASE CUSTOMER REPRESENTATIVE with my online password, but she stated it is not the password I log in, then THE CHASE CUSTOMER REPRESENTATIVE placed me within the automated system verification, while I provided her with all my debit card number, PIN, and 3 digit code on the back of my card ( all recorded ) After the verification, the Customer Representative told me she can not help me and asked me if I want for the Password to be removed. I said I want she to remove the telephone password, and she stated she removed it. Then the Chase Customer Service Representative transferred the call to XXXX, referred as the other department Specialist, who supposedly could help me with the removal of my money hold. XXXX REQUESTED MY PASSWORD once more. I stated that the password was removed already by the CHASE CUSTOMER REPRESENTATIVE, but XXXX insisted the password was still valid. I asked XXXX 'why she can not verify my identity through my debit card as the first Customer Service Representative conducted such verification. It is clear that Chase Bank allows such second verification. XXXX refused to do so! Then I told XXXX, THE SPECIALIAIST that I will file a Complaint with the Consumer Financial Protection Bureau, and XXXX cut me off, transferring the call to her Supervisor. I spoke with XXXX, but XXXX, the Supervisor was very UNKNOWLEGABE, AND PROTECTIVE OF THE ILLEGAL ACTION OF WHITHROWING FUNDS BY CHASE BANK FROM MY PERSONAL BANK ACCOUNT. XXXX also insisted that I have a PASSWORD and without verifying my identity XXXX will not discuss any issue with me. I told XXXX that this is RETALIATION SINCE I HAVE FILED PREVIOUSLY A COMPLAINT AGAINST CHASE BANK WITH CFPB. XXXX refused to speak with me and told me that I must go to Chase Branch to resolve the problem. I asked for XXXX supervisor, and was placed on hold for more than 20 minutes, then call was disconnected. I had no more lieu, or hope to resolve the issue, and went to a Chase Branch at XXXX New York, XXXX ; I spoke with XXXX, the local manager. Once more, I was scrutinized as being told that the hold is done to assure if my payroll check is not FRADULENT! In other words I was made to look as a criminal who falsifies my payroll check issued by Chase Bank! Thus, Chase has had accepted my two previously payroll good checks ; the entire scrutiny was to put me down, while Chase could cover their illegal actions of illegally withdrawing funds from customers account. I disagreed and objected ; I obtained the copy of my bank statements, and in case of a LAWSUIT AGAINST CHASE BANK, am ready to provide them as supporting documents. In order to prevent overdraft, I asked my son to send/lend me the money of {$240.00} that brought my Chase account to {$0.00} today ; I escaped the {$35.00} overdraft fees. At the same time, Chase bank was misusing my payroll money without any interest given to me to make money for Chase Bank. What a Shame? Can you imagine if Chase is doing the same illegal actions with XXXX XXXX customers and misusing their payroll of {$1000.00}? How much money Chase would make FOR ONE DAY in such transaction, which costs them nothing? I want investigation of the scrutinized practices of Chase Bank against customers like myself. Chase Bank has a survey before opening any account asking many personalized questions, such as are you married?, will you intend to marry, how much is your salary per year. It is clear that through such questions/surveys Chase Bank is evaluating how they can mess up customers accounts and which customers can overdraw and pay fees at later time. Chase Bank knew I am paid bi-weekly. Chase Bank afforded to withdraw money/not hold my money/ and bring my account to negative {$240.00}, knowing that I will pay them overdraft fee, as I am SINGLE, WITH ONE INCOME and the Chase Bank surveillance registered me as a good subject for withdrawing/holding my money AT MY EXPENSE, once more making money at my expense. I am deeply appalled by the Chase Bank Illegal Practices. Chase Bank must be held accountable per Law. XXXX, the Chase manager, told me that the hold of my money was planned for at least a day ( 1 ), may be more. I left the Chase branch with a {$0.00} in my Chase Bank account but with {$840.00} stolen/withdrawn money by Chase bank. The Chase Manager arrogantly asked/offered me if I do not have any money, he can allow me to have a few dollars, until the hold is removed?
I felt disappointed, and told the Manager I will be filing a CFPB complaint.
Fifteen minutes after I left the Chase Branch, the manager XXXX called me to tell me that he was able to release the hold. The hold/withdraw transaction should never be placed on a first place. | null | JPMORGAN CHASE & CO. | NY | 14626 | null | Consent provided | Web | 2017-08-08 | Closed with explanation | Yes | null | 2,598,821 |
2021-11-26 | 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 | I have tried on a numerous occasions to file a dispute with Transunion but they will not remove XXXX collection account from doctors that's is not mine. They removed them and then the next month put them back on my report. I told them I have never seen these doctors. I was also told it's against Hippa laws any medical collection to be on my report. I don't know if that's true all I know is that these are not my doctors. And now I can't see my credit report from Transunion at all but today I was denied credit because of a recent charge off that they're reporting I had. This can't be fair at all. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | XXXXX | null | Consent provided | Web | 2021-12-15 | Closed with non-monetary relief | Yes | null | 4,948,132 |
2022-07-19 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | there are unaccounted balances made on my account due to fraudulent activity being conducted. in result this has hindered me from opening any bank account. i have never made any of these deposits nor owe any bank or financial institution any money. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | PA | 19020 | null | Consent provided | Web | 2022-07-19 | Closed with explanation | Yes | null | 5,786,329 |
2022-03-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Vehicle illegally obtained in my identity Account # 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 | 2022-03-31 | Closed with non-monetary relief | Yes | null | 5,389,167 |
2022-12-22 | 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 | Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11234 | null | Consent provided | Web | 2022-12-22 | Closed with non-monetary relief | Yes | null | 6,347,928 |
2022-07-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and 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 | TRANSUNION INTERMEDIATE HOLDINGS, INC. | KY | 401XX | Servicemember | Consent provided | Web | 2022-07-15 | Closed with non-monetary relief | Yes | null | 5,771,974 |
2022-04-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I have a auto loan for a car with XXXX XXXX. I don't even own possession of the vehicle with the account they have me associated with that is still open.
1. Account is reporting with 3 different amounts of high credit.
If this is the same account being reported by the same creditor, why are my XXXX XXXX Account, XXXX XXXX Account, and my experian account have different amounts?
In accordance with the fair credit reporting act XXXX Account # 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. | NC | 28314 | null | Consent provided | Web | 2022-04-14 | Closed with explanation | Yes | null | 5,444,631 |
2023-06-22 | 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. | LA | 71360 | null | Consent provided | Web | 2023-06-22 | Closed with non-monetary relief | Yes | null | 7,146,905 |
2016-03-10 | Debt collection | I do not know | False statements or representation | Attempted to collect wrong amount | I received a letter in the mail stating I owe {$1800.00} to Midland Funding and/or XXXX, with the original creditor being XXXX. I have NEVER had any account with XXXX, let alone even knew such a company existed. This is a completely fraudulent collection done by a company in plenty of legal hot water currently. Maybe they are fishing for 'free ' money from unsuspecting consumers by mailing out fraudulent collection notices to people. I demand both Midland Funding and XXXX to cease and desist with this fraudulent collection, or I WILL seek legal representation. A collection agency can not just send out these letters claiming people owe an exorbitant amount of money to them without any legitimacy and hoping uninformed people will just pay to protect their credit!! | null | ENCORE CAPITAL GROUP INC. | NV | 89044 | null | Consent provided | Web | 2016-03-10 | Closed with non-monetary relief | Yes | No | 1,824,879 |
2017-08-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I paid my car off on XXXX XXXX, 2017 with XXXX XXXX XXXX.
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}.
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days.
Somebody please help me im at my wit 's end.
Someone please do something!!!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 115XX | null | Consent provided | Web | 2017-08-25 | Closed with explanation | Yes | null | 2,650,487 |
2023-05-16 | 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 | [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau Attention : Complaints Division 1700 G Street NW Washington, D.C. 20552 Subject : Complaint Regarding Inaccurate Information on Credit Report Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an error on my credit report, which has had severe repercussions on my financial well-being. Specifically, I request the deletion of a collection account from XXXX XXXX XXXX, bearing the account number XXXX, from my credit reports.
In today 's digital age, the significance of complete, fair, and accurate credit reporting can not be overstated. The credit report serves as a vital tool for lenders, employers, and other entities to evaluate an individual 's creditworthiness and make informed decisions. It is essential that the information contained within these reports reflects a true and comprehensive picture of an individual 's financial history.
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the fair and accurate reporting of consumer information. Section 1681e ( b ) of the FCRA explicitly states that credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy '' and " conduct a reasonable reinvestigation to determine the accuracy of the information '' when a consumer disputes the information reported.
As a conscientious borrower, I have always maintained a diligent approach to my financial responsibilities, ensuring timely payment of bills and managing my finances responsibly. Regrettably, the presence of the aforementioned collection account on my credit reports has caused unwarranted harm to my creditworthiness. This, in turn, has impeded my ability to obtain credit, resulting in adverse consequences such as higher interest rates and fees.
It is imperative to note that my attempts to rectify this error have been met with little success. Despite my repeated efforts to dispute the inaccurate information with the credit reporting agencies, the account remains unresolved and continues to negatively impact my credit profile.
Current events and ongoing developments underscore the significance of this matter. In recent years, data breaches and identity theft incidents have increased, making it crucial for credit reporting agencies to exercise due diligence and provide accurate reporting to safeguard consumer interests. The public has also witnessed numerous instances of credit reporting errors, underscoring the need for increased scrutiny and oversight of credit reporting practices.
In light of the aforementioned circumstances and my unwavering commitment to financial responsibility, I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter. I urge you to exercise your regulatory authority to ensure that the credit reporting agencies comply with the FCRA and take immediate action to delete the inaccurately reported collection account from my credit reports.
I appreciate your attention to this serious matter and anticipate a swift resolution that upholds the principles of fairness, accuracy, and consumer protection. Should you require any further documentation or information to assist in your investigation, please do not hesitate to contact me.
Thank you for your prompt attention to this complaint.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77019 | Servicemember | Consent provided | Web | 2023-05-16 | Closed with non-monetary relief | Yes | null | 6,986,379 |
2023-03-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | TRANSUNION has been DEMANDED to perform their FIDUCIARY DUTIES and EXERCISE THEIR GRAVE DUTIES under CONGRESS and its laws under the FCRA and remove the TRANSACTIONAL ACCOUNTS from my consumer report that CONGRESS DEMANDS BE EXCLUDED UNDER 15 USC 1681a ( 1 ) ( 2 ) which CLEARLY and DIRECTLY states -- -- -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 ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. -- -- -CONGRESS DEMANDS TRANSACTIONAL INFORMATION TO BE REMOVED FROM A CONSUMER REPORT SO WHY IS TRANSUNION REPORTING SAID INFORMATION AGAINST ITS FIDUCIARY DUTIES UNDER CONGRESS AND FCRA . TRANSUNION has instead stated they have VERIFIED the information when NO reinvestigation was requested there for they have committed a BIAS FRUAD investigation because their investigation went against the VERY DEFINITION of " INVESTIGATIVE CONSUMER REPORT '' which states -- -- -- -- -investigative consumer report ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. -- -- -- -. -- - Hence TRANSUNION has stated they have conducted a " REINVESTIGATION '' and have verified the TRANSACTIONAL ACCOUNTS that CONGRESS DEMANDS be excluded from a consumer report I NOW REQUEST THE NAMES AND ADDRESSES of the personal interviews with neighbors, friends, or associates of the consumer who XXXX interviewed XXXX I ALSO REQUEST TRANSUNION ANSWER SINCE THEY DEEM THE INFORMATION IS FACTUAL THEN WHY HAVE THEY INCLUDED SAID INFORMATION when under the DEFINITION under the FCRA of " INVESTIGATIVE CONSUMER REPORT '' it DIRECTLY AND CLEARLY states -- -However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer -- -If TRANSUNION CAN NOT PROVIDE THE REQUESTED INFORMATION AND ANSWER MY QUESTION then they have IN FACT CONDUCTED A BIAS FRAUDULANT INVESTIGATION COMMITTING FRUAD AGAISNT A CONSUMER AND MUST DELETE THE INITIALLY REQUESTED ACCOUNTS IMMIDIATELY! CASE LAW TRW Inc. v. Andrews 15 U.S.C. 1681 ( a ) ( 1994 ed. ) states a contacting the original alleged creditors or lenders to verify ANY account is NOT a SUFFICIENT method of verification. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 152XX | null | Consent provided | Web | 2023-03-26 | Closed with non-monetary relief | Yes | null | 6,752,912 |
2022-07-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am appalled by the ability of the Credit Bureaus to ignore my letters and not comply with the FCRA section 605b despite all the letters and complaint I have been submitting to them. I am frustrated by these action taken by the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my Driver 's license and Proof of billing address as well as the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any accounts and information that a consumer identifies as an item that resulted due to identity theft. I am now submitting this complaint to protect my rights under the FCRA which is clearly being violated by the Credit Reporting agencies by continuing the reporting of the accounts and information without proper verification. Pursuant of the FCRA XXXX XXXX, I need the following items removes as from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX.
XXXX F XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 | Experian Information Solutions Inc. | MO | 630XX | null | Consent provided | Web | 2022-07-28 | Closed with non-monetary relief | Yes | null | 5,816,379 |
2017-02-15 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt was paid | Business & Professional collection services is reporting XXXX accts which I paid & they agreed to remove from my credit when they accounts were paid. I 've contacted all XXXX of the bureaus and XXXX has removed the accounts. XXXX & XXXX however are still reflected as a current collection on my credit report. I know this is a violation of the FCRA especially when the company agreed to remove it when it was paid. I 've tried contacting them through normal mail, phone & the bureaus but they are ignoring my requests. Can you please assist me in getting these XXXX accounts removed from my credit? | null | Business & Professional Collection Service Inc | CA | 92647 | null | Consent provided | Web | 2017-02-15 | Closed with explanation | Yes | No | 2,346,510 |
2022-02-05 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | Citi Bank Credit Card Charged {$95.00} Membership Fee I've been pay off for my card LAST YEAR and save the card for emergency use in case for the bad situation for this year ( it's meant the card been not using for the whole year ), and I do have couple card without charge membership fee. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NC | 287XX | null | Consent provided | Web | 2022-02-05 | Closed with monetary relief | Yes | null | 5,189,360 |
2023-03-23 | Debt collection | Mortgage debt | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | Specialized Loan Servicing, LLC is a debt collector that took over a loan that was previously loan serviced by XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX and later XXXX XXXX XXXX XXXX XXXX, XXXX. The loan is based on a XXXX loan generated by XXXX XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. On or about XX/XX/XXXX XXXX XXXX XXXX ( a loan broker ) recorded the debt at XXXX XXXX XXXX XXXX XXXX, XXXX, California with a Deed of Trust that added an additional parcel of land that was not included in our loan documents or descriptions of pledged land. The value of that additional parcel was approximately {$47000.00} for XXXX square feet of view property and is listed at the county as vacant, unimproved land. The loan with XXXX was for refinance and money to finish out a second dwelling unit ( mother-in-law ) over our garage. The loan value was {$560000.00} and the property of our home located on a separate tax parcel was appraised for {>= $1,000,000}.
In XXXX we talked with XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) about having a dry spell in consulting income. Instead of working with us, and after refusing offers of payments, we were informed that the loan was in foreclosure. We rejected their duplicitous actions and they verbally offered a forbearance agreement. The terms were full of errors and upon receipt of the written forbearance agreement on or about XX/XX/XXXX on the same day received I rejected the agreement in writing by email and mail, asking for corrections. At that time, I was unaware of the material alteration of our loan document. Following my immediate rejection, XXXX never submitted a new agreement [ this was admitted by XXXX during a trial. ] After making payments we thought exceeded the current amount due, I again asked XXXX for an accounting and corrected agreement. Instead XXXX through XXXX XXXX XXXX XXXX XXXX ( XXXX ) recorded a notice of non-judicial foreclosure. The foreclosure was based upon the rejected forbearance agreement. XXXX did not claim we were in default on the XXXX Mortgage. It turns out that in a Foreclosure Title Insurance Policy, XXXX confirmed there was no enforceable loan and they would not insure that title. We filed a complaint in XXXX XXXX XXXX seeking an Injunction ( temporary injunction was approved ) and state court of appeals confirmed that the forbearance agreement was void under statute of frauds. XXXX recorded a notice of rescission of the notice of default. Then filed a new notice of default in XXXX. We used a XXXX XXXX bankruptcy complaint to stall the next non-judicial foreclosure in XXXX XXXX, which NOD was rescinded later. In the meantime, XXXX transfered the loan servicing to Specialized Loan Servicing, LLC ( SLS ) which, as had XXXX XXXX used our payments for themselves. We are trying to get the loan servicer to stop collections and to return our funds paid over the years from XXXX through now, as we are forced to continue to make payments under duress on a void ab initio debt to be able to stop any non-judicial foreclosure payments. Presently, Specialized Loan Servicing, LLC the current debt collector is abusing uses of funds and taking payments without legal standing. Today we submitted our 13th Qualified Written Request/Request for Information to SLS and disputed the debt, their collection practices and the legal standing of the debt.
When XXXX recorded the original loan Deed of Trust XXXX their adding an additional parcel to our pledged real property was done in secrete, without our permission or approval or knowledge. Per California Civil Code Section 1700 a " material alteration of a contract '' " extinguishes any performance required of us '', the party that was not a party to the material alteration. The Loan Servicers and their attorneys know this and admitted the alteration of the deed of trust in court hearings and concerns that the 'debt could be determined noncollectable and the deed void in a future judicial proceeding ' and have listed the amount owed as {$0.00} but continue to attempt to collect debts monthly or will record a new non-judicial foreclosure. We are in our XXXX 's and this abuse is wearisome. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | CA | 94801 | Older American | Consent provided | Web | 2023-03-24 | Closed with explanation | Yes | null | 6,737,942 |
2023-06-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Bank is fraudulently requesting money from me for a closed account.
-Bank sent a statement dated XX/XX/2023 that I owe 4 months ( {$9200.00} ) for an account that has been transferred to another mortgage carrier. stating I owe for XXXX, XXXX, XXXX, and XXXX As well as giving false, inaccurate and conflicting information to credit reporting agencies and Me.
-reporting to credit reporting agencies that The account is still open, even though the account was transferred to another Bank AND responding to previous CFPB confirming this -reporting to CRAs that my monthly mortgage is $ XXXX/month. and sending my statements asking for $ XXXX/month | null | EQUIFAX, INC. | FL | 32068 | null | Consent provided | Web | 2023-06-30 | Closed with explanation | Yes | null | 7,189,266 |
2021-04-27 | 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 | I recently wrote you on XX/XX/2021 in regards to erroneous items on my report and I have yet to here back from you. It's been well over the 30 days, and as stated in Section 611 ( a ) of the FCRA, failure to investigate disputed items within 30 days leads to deletion of items. I'm looking forward to these disputed items to be deleted immediately or I plan to file litigation for the stress that's been caused against me. My information was also impacted by the XXXX Data breach, and may have got into the wrong hands and person. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33167 | null | Consent provided | Web | 2021-04-27 | Closed with non-monetary relief | Yes | null | 4,330,603 |
2018-03-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Navient is reporting to XXXX that I still owe their company {$5000.00} on a student loan that was consolidated and transferred to XXXX XXXX. I have tried to fix this error with Navient numerious of times. This is a violation of the FCRA federal law. The balance owed should be reporting as a zero balance. | null | Navient Solutions, LLC. | FL | 33916 | null | Consent provided | Web | 2018-03-14 | Closed with non-monetary relief | Yes | null | 2,843,256 |
2022-11-01 | 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 | My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | LA | 70118 | null | Consent provided | Web | 2022-11-01 | Closed with explanation | Yes | null | 6,153,213 |
2018-01-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Ocwen Loan Servicing, LLC is misreporting information on my credit reports. I disputed this misreporting to the credit bureaus however, Ocwen purportedly validated the account information. Specifically, Ocwen is reporting two mortgage loans with one account number ( XXXX ) on my credit reports ; one account is reporting 91-120 days past due and one account is reporting 120 days past due. I have never had two accounts with Ocwen Loan Servicing and believe this is misreporting is a direct result of their unreliable systems and fraudulent practices that were substantiated in the lawsuit filed by the CFPB.
This misreporting is has negatively impacted my credit and is a direct violation of the FCRA. | null | Ocwen Financial Corporation | GA | 30309 | null | Consent provided | Web | 2018-01-20 | Closed with explanation | Yes | null | 2,787,939 |
2022-10-18 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | On XX/XX/2022, XXXX debited {$89.00} & {$89.00} from my checking account with Capital One Bank. I did not order any product from this company. I've never even heard of this company. I searched them on the web and sent them an email on XX/XX/2022 stating this should not have been deducted from my account. I sent another email on XX/XX/2022, asking why they are not responding to my email. I've tried to call numerous times and the message says, " this phone is not set up to receive calls. I'm so frustrated. There is no way for me to reach them and my bank will not refund the money. Please help me. | null | CAPITAL ONE FINANCIAL CORPORATION | TX | 762XX | Older American | Consent provided | Web | 2022-10-18 | Closed with explanation | Yes | null | 6,101,849 |
2022-04-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. | null | EQUIFAX, INC. | FL | 33069 | null | Consent provided | Web | 2022-04-20 | Closed with explanation | Yes | null | 5,473,200 |
2022-07-09 | Mortgage | Conventional home mortgage | Incorrect information on your report | Account information incorrect | Cross country Mortgage has stated I have not made payments in 4 months this is untrue I have made all payments during forbearance. I have also made payments over the amount they asked for They have reported that I owe more then I due and also add that I have outstanding amount of XXXX which is untrue when they had over XXXX XXXX dollars they report the mortgage is higher then what it it really is I called an asked for an itemized detail list of how the funds would be disbursed and have no repose I have never missed a month of the payments they reported I did I would like this fixed on my credit score I gave them all the payments and money and now am entering a new agreement with them and this happens | null | CrossCountry Mortgage LLC | NY | XXXXX | null | Consent provided | Web | 2022-07-25 | Closed with non-monetary relief | Yes | null | 5,753,988 |
2022-11-16 | 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 Account # 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 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 | null | EQUIFAX, INC. | PA | 19018 | null | Consent provided | Web | 2022-11-16 | Closed with explanation | Yes | null | 6,212,218 |
2021-06-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately. | null | EQUIFAX, INC. | FL | 33321 | null | Consent provided | Web | 2021-06-17 | Closed with explanation | Yes | null | 4,469,773 |
2021-01-30 | Credit card or prepaid card | General-purpose prepaid card | Problem with a purchase or transfer | Card company isn't resolving a dispute about a purchase or transfer | Bought American Express Serve card put XXXX on it this was XXXX after which call card and reported it stolen and told them not to process any claims was told at that time there was XXXX on it today I check it and it is XXXX balance after I told them it was stole | null | AMERICAN EXPRESS COMPANY | NC | 27288 | null | Consent provided | Web | 2021-01-30 | Closed with explanation | Yes | null | 4,105,977 |
2020-07-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have advised TransUnion on several occasions that the information being reported on my credit report is inaccurate and have provided them with proof. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | KY | 40211 | null | Consent provided | Web | 2020-07-14 | Closed with explanation | Yes | null | 3,745,369 |
2020-04-24 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | Account is my fathers as the bill they just sent proves. He filled bankruptcy in 2018 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ProCollect, Inc. | MI | 493XX | null | Consent provided | Web | 2020-05-01 | Closed with explanation | Yes | null | 3,622,299 |
2020-12-16 | Vehicle loan or lease | Loan | Problems at the end of the loan or lease | Problem with paying off the loan | I purchased a vehicle from Credit Acceptance in 2016 with gap insurance and a warranty. Shortly after purchasing the vehicle started to have problems staying on and during driving. I contacted credit acceptance and informed them to come and get the vehicle which they did not comply. At the time the vehicle had stop running and is no longer running. Despite my request, CAC sent me a discharging the lien of the vehicle and put the balance on my credit. I do not owe this company as a result of their action | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CREDIT ACCEPTANCE CORPORATION | MI | 48219 | null | Consent provided | Web | 2020-12-16 | Closed with explanation | Yes | null | 4,015,525 |
2023-08-04 | 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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer. | null | EQUIFAX, INC. | NJ | 08105 | null | Consent provided | Web | 2023-08-04 | Closed with explanation | Yes | null | 7,353,080 |
2022-01-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | These student loans have been defaulted for years due to amount unable to pay. These accounts were closed and due to be removed however they were reported active after 8 years nonactive. This is past statue of limitations and should not have occurred.
Please help.
This school previously attended in which loans are from are from a closed down school back in 2007 due to fraud against students. XXXX XXXX | null | Navient Solutions, LLC. | NJ | 07036 | null | Consent provided | Web | 2022-01-22 | Closed with explanation | Yes | null | 5,138,459 |
2023-01-25 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | see attached | Company believes the complaint provided an opportunity to answer consumer's questions | Nathan & Nathan, P.C. | TN | 37076 | null | Consent provided | Web | 2023-01-25 | Closed with explanation | Yes | null | 6,488,101 |
2021-08-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I would like to file a complaint against XXXX and XXXX XXXX XXXX and Equifax. XXXX and XXXX XXXX XXXX have erroneously reported a balance and past due amount on my credit report since XX/XX/XXXX. Furthermore when I filed a dispute with Equifax and provided proof of statements of charges, payments, and balances on XX/XX/XXXX, all Equifax did was allow XXXX and XXXX XXXX XXXX to claim that the information they reported to the credit bureau was correct and to re-post it onto my credit report again the very same day XX/XX/XXXX. In XX/XX/XXXX, I also wrote XXXX, called XXXX and spoke with a representative, and wrote XXXX XXXX XXXX which is a company that refuses to respond ( see for example https : //www.change.org/p/ny-state-attorney-general-letitia-james-stop-royal-property-management-from-stealing-security-deposits ).
ERRONEOUS EQUIFAX REPORT -- XX/XX/XXXX Balance {$1800.00}, Last payment XX/XX/XXXX, Amount Past Due {$1800.00} ERRONEOUS EQUIFAX REPORT -- XX/XX/XXXX Balance {$1800.00}, Last payment XX/XX/XXXX, Amount Past Due {$1800.00} | null | EQUIFAX, INC. | NJ | 07003 | null | Consent provided | Web | 2021-08-02 | Closed with explanation | Yes | null | 4,593,161 |
2022-12-06 | 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 | I HAVENT RECIEVED A RESPONSE FROM EQUIFAX AND IVE SUBMITTED A DISPUTE OVER 30 DAYS AGO THIS IS A VIOLATION OF THE FCRA, EQUIFAX IS NOT UPHOLDING THE LAW AND SHOULD BE HELD ACCOUNTABLE. | null | EQUIFAX, INC. | CA | 95207 | null | Consent provided | Web | 2022-12-06 | Closed with explanation | Yes | null | 6,287,839 |
2022-05-13 | 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 account # XXXX ; XXXX XXXX XXXXXXXX, account # XXXX ; and XXXX XXXX XXXX account # 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 an 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 | 77493 | null | Consent provided | Web | 2022-05-13 | Closed with explanation | Yes | null | 5,559,156 |
2023-08-15 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | While looking at my XXXX credit report on XX/XX/XXXX, I found a supposed collection account from Central Portfolio Control for the amount of {$790.00}. It says it was opened on XX/XX/XXXX with the account number starting in XXXX. It also claims that the terms is 1 month ( I assume that means to pay the alleged debt in full ), but I never went into any business with this company or signed any agreements with them, so they should not be reporting anything on my credit or be making terms that I never agreed to or was contacted about, nor was I notified of this debt entirely.
I am arguing that the debt is not mine, and even IF it were, this is a violation of my rights as a consumer according to the FDCPA, as 1. I never received any form of verification or validation about this supposed debt, and 2. This was primarily reported to XXXX, and potentially the other two major credit report agencies of XXXX and XXXX, without first notifying or contacting me. This is against Regulation F of the FDCPA which states that a collection agency or debt collector can not report debt to the 3 major credit agencies of XXXX, XXXX, or XXXX without first contacting or notifying the consumer of the supposed debt in question.
Additionally, IF this is connected to a XXXX medical debt, this debt has passed the statute of limitations, as it was first opened on XX/XX/XXXX by XXXX XXXX XXXX ( which has since been disputed and removed from my report as of XXXX of this year ) with a total of {$190.00}, which also as of this year, has now been over the statute of limitations to collect on medical debt in Virginia, which is 3 years ( in my XXXX complaint, I mistakenly said 5 years, but its really XXXX ), which means this company can not legally come after me for this alleged debt, and if they do, it will be yet another violation of the FDCPA. I would like for this collection to be removed immediately and for the account to be deleted.
I already have made XXXX XXXX XXXX XXXX complaint, which I stated that I will be making a complaint through the XXXX as well if the debt is not removed and deleted, but as of today, XX/XX/XXXX, the company has yet to respond to that complaint, but they still have about 26 days left to respond, so well see if they comply. I also disputed with XXXX, but as of yesterday, XX/XX/XXXX through XXXX, XX/XX/XXXX, my dispute results were unsuccessful, with the account supposedly being verified and updated, and the company still claims I owe this debt, to which I still argue against, and I will keep disputing. IF the account is not deleted, I will be consulting a lawyer or I potentially will even take legal action against this company because they have violated my rights under the FDCPA at least twice, to which I am very well aware of my rights as a consumer.
I do not mean to sound difficult, but I am extremely angry and tired of all these collection agencies claiming I allegedly owe money that I know I do not owe, especially not {$790.00}, as I had to make XXXX and XXXX complaints back in XXXX of this year against another collection company ( XXXX XXXX XXXX ) who claimed I owed the exact same amount ( {$790.00} ) in two accounts, which I supposedly got them to delete, but I believe one of the accounts was instead bought by this company without them first notifying me. Please delete the account and remove from my credit report ASAP.
I also wish to not be contacted directly by the company, so I would like for them to cease and desist all future contact with me. Thank you | null | Central Portfolio Control Inc. | VA | 229XX | null | Consent provided | Web | 2023-08-15 | Closed with explanation | Yes | null | 7,402,510 |
2023-08-29 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | 452XX | null | Consent provided | Web | 2023-08-29 | Closed with non-monetary relief | Yes | null | 7,466,581 |
2020-01-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Wells Fargo is incorrectly reporting information to XXXX, XXXX and XXXX. They are reporting to XXXX that the open date on an account is XX/XX/XXXX and reporting to XXXX and XXXX that the open date is XX/XX/XXXX. I've disputed this account with all 3 bureaus since XX/XX/XXXX and they always report that the information is verified and accurate. How can it be verified with different account open dates?
I have asked all three bureaus : XXXX, XXXX and XXXX to provide me with a copy of an original contract with my signature to prove I indeed have an debt with Wells Fargo and that the information they are reporting is accurate. Neither of these companies ever sent me any proof or documentation to verify what they are reporting was accurate which is a FCRA violation of my consumer rights.
The company has also listed this account on my credit report as a charge off but still reporting the account late each month and further damaging my credit history and preventing me from being able to obtain credit and start my business, purchase a car or buy a home. If the account is charged off, its already a derogatory remark on my file and should not continue to be reported as a charge off and late on my credit report each month. That is a FCRA violation and I demand this account be deleted immediately from all three bureaus and levy any fines deemed appropriate against this company under FCRA and FTC guidelines. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 33414 | Servicemember | Consent provided | Web | 2020-01-15 | Closed with explanation | Yes | null | 3,496,164 |
2022-08-25 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | My mother and I share a joint checking account to pay her expenses through Bank of America. Account # XXXX. On XX/XX/2022 an unauthorized charge was made for {$0.00}. On XX/XX/2022 an unauthorized ACH was taken from the account for {$7000.00}.
I reviewed the account on XX/XX/2022 and went into the XXXX XXXX XXXX Branch and filed an affidavit and complaint and froze the account. I was told that a credit would be issued no later than 10 business days for the unauthorized amount. Several days later a credit of {$0.00} was credited to the account. I then called on XX/XX/2022 ( after the 10th business day ) and was told that it was still under investigation and a credit should have been issued but wasn't due to the dollar amount involved in the complaint.
I have not been contacted by Bank except for me contacting them. They do not seem to be doing a proper investigation into the matter.
My mother passed away on XX/XX/2022 and the money was supposed to be used to pay her final expenses. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | OK | 74012 | null | Consent provided | Web | 2022-08-25 | Closed with monetary relief | Yes | null | 5,916,501 |
2020-03-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have reviewed my credit report and have noticed " XXXX/XXXX - XXXX '' has inaccuracies for Experian. Such as on " XXXX XXXX '' it states I owe " XXXX '', that is an inaccuracy the documents provided show a balance owed of " XXXX ''. " Payment Amount '' is inaccurate as well, it is reporting a payment of " XXXX ''. In the uploaded documents there are payment amounts of " XXXX ''. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 62269 | Servicemember | Consent provided | Web | 2020-03-18 | Closed with explanation | Yes | null | 3,571,396 |
2022-09-20 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | Account number ending in XXXX was sold/ transferred to XXXX XXXX XXXX XXXX and with the assistance of the CFPB I was able to stop them from reporting inaccurate information to my credit files and to cease and desist.
Since the time of the complaint. An unnamed authorized representative of Citibank , N.A . mailed a letter dated XX/XX/XXXX, requestion my personal private information based off my dispute with XXXX XXXX XXXX XXXX. ( See attachments ) Neither Citibank , N.A . nor XXXX XXXX XXXX XXXX are Holders in Due Course and I would like to know the name of the authorized representative who released the information provided to XXXX XXXX XXXX XXXX in efforts to collect an alleged debt.
Citibank N.A does not have a permissible purpose to contact me in efforts of obtaining my private information. Please be advised XXXX XXXX XXXX XXXX have cease and desist as Ive previously requested and there has been no damage to my credit files regarding their debt collection attempts.
I will not release any information to Citibank N.A. Please cease and desist. An honorable Holder in due course would be able prove any contractual agreements with an actual authorized representative.
Please be advised the computer-generated letter provided by Your Security Operations Service Team XXXX Is not an authorized representative as Citibank N.A. are not Holders in Due Course. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | SC | 293XX | null | Consent provided | Web | 2022-10-05 | Closed with explanation | Yes | null | 5,998,135 |
2017-08-25 | 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 | XXXX XXXX XXXX is reporting a collection account for a XXXX XXXX account that I have never opened I have asked several times to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 2 days they come back with account verified but not providing me anything that shows that I signed a contract I also contacted the collection company and asked for a contract which I have not received I previously disputed this when the account was with another collection company and it was deleted from my report after cfpb got involved and since then the account was sold to another collection company and now back reporting | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MN | 554XX | null | Consent provided | Web | 2017-08-25 | Closed with non-monetary relief | Yes | null | 2,651,147 |
2022-08-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | n accordance with the Fair Credit Reporting Act XXXX Account # 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 instruction. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 36117 | null | Consent provided | Web | 2022-08-20 | Closed with non-monetary relief | Yes | null | 5,900,681 |