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2021-03-26 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | On Monday, XX/XX/2021, I attempted to withdraw {$1000.00} from my savings account at an ATM on XXXX XXXX in XXXX, OH. XXXX through the transaction, during a loading screen, the machine hung on the loading screen for multiple minutes before crashing to a black screen, resetting, and not dispensing the funds. I contacted the bank and got a dispute opened immediately. The temporarily refunded the funds, but on Thursday XX/XX/XXXX I received a letter telling me that my claim had been denied and the funds were removed from my account.
I called the number on the letter and the customer service representative could not tell me anything other than the " ATM was balanced, but it's possible they counted the wrong ATM. '' She was not able to provide documents used as evidence, nor footage from any of the multiple cameras in the area of the ATM. The only thing she did was collect more information and re-open the case, saying that it may be another month or two before I hear from them again. | null | FIFTH THIRD FINANCIAL CORPORATION | OH | 43026 | null | Consent provided | Web | 2021-03-26 | Closed with explanation | Yes | null | 4,247,781 |
2023-08-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Problem canceling credit monitoring or identify theft protection service | XXXX XXXX XXXX XXXX on my credit report says I owe XXXX for a car. I've not had any vehicles that cost the original loan amount of XXXX.I think someone has bought a car with my information because this isn't right. Last car I had was a XXXX XXXX XXXX for XXXX this definitely isn't it. Please help me fix this. Thank you | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OK | 74063 | null | Consent provided | Web | 2023-08-18 | Closed with non-monetary relief | Yes | null | 7,421,028 |
2023-06-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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. | TX | 75287 | null | Consent provided | Web | 2023-06-12 | Closed with explanation | Yes | null | 7,101,004 |
2022-08-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Im Accordance with the Fair Credit Reporting Act Account as violates my Rights XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.
15 U.S.C 1681 Section 604 A Section 2 states. Consumer reporting agency can not furnish a account without my written consent | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77092 | null | Consent provided | Web | 2022-08-12 | Closed with non-monetary relief | Yes | null | 5,870,191 |
2021-09-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX XXXX XXXX XXXX On XX/XX/XXXX i sent out a dispute stating that my charge off was reporting C/O every month and for that to be fixed and XX/XX/XXXX I received a update on Experian website that is it was updated but the information obviously was not its still reporting C/o every month to my knowledge under the FCRA that is illegal for the credit bureaus to do so. On XXXX XXXX i sent out a dispute on the account listening that Experian was reporting a high balance of {$0.00} and XXXX was reporting the same account high balance as {$410.00}. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is their duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. So i asked them if they could Please DELETE this erroneous item immediately but got no deleting or any information after that I have also added a screenshot of the listed account as of XX/XX/XXXX and as u can see it was last verified on XX/XX/XXXX and theres still errors on the account.. The high balance is showing {$410.00} on XXXX & experian is reporting a {$0.00} balance.XXXX Also XXXX is reporting the open date as XX/XX/XXXX but Experian is reporting it opened on XXXX Third error on this credit report is that transunion is reporting a closed date of XX/XX/XXXX Experian doesnt have a closed date | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 08332 | null | Consent provided | Web | 2021-09-27 | Closed with explanation | Yes | null | 4,758,852 |
2020-06-24 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | This dispute involves a {$350.00} refund that I never received from XXXX XXXX XXXX ( XXXX ) as the cruise was canceled on XX/XX/XXXX due to Covid-19. Originally I had paid a total of {$1400.00} before the cruise was canceled. The first payment of {$50.00} started on XX/XX/XXXX under a previous Citizens Bank issued debit card ending in # XXXX. A total of {$350.00} was paid between XX/XX/XXXX through XX/XX/XXXX. A new Citizens bank debit card was issued ending # XXXX and payments continued from XX/XX/XXXX through XX/XX/XXXX for a total of {$1000.00}. {$1000.00} was refunded by XXXX to my Citizens Bank checking account on XX/XX/XXXX, however I am still owed {$350.00} from the old debit card # XXXX.
I was advised by XXXX that I had to contact Citizens to resolve the {$350.00} credit because XXXX attempted to credit it back to # XXXX but was prevented from doing so, therefore it was Citizens Bank 's responsibility to credit back the {$350.00}. Citizens Bank refuted their claims as the refund should have gone through because # XXXX is under the same checking account I have been using all along.
I was given the runaround so many times with Citizens Bank over this. They gave me temporary credit of {$350.00} on 3 separate occasions then reversed the credit each time which ultimately messed up my checking account. I tried to call the XXXX XXXX XXXX XXXX, XXXX several times to no avail. No one answered that number at all, only received a recording that no one was unavailable to assist customers due to to Covid-19. I then called Customers Services several times and was informed that Claims Department will followup which has not happened. I left specific instructions to leave a message on my Sign mail with a number to call back if I did not answer at that moment ( Keep in mind I am XXXX and use XXXX XXXX XXXX XXXX XXXX ). To this date, I have not received a call back and this is infatuating!
As you will see letter dated XX/XX/XXXX, Citizens Bank claims that the merchant ( XXXX ) has issued a credit in the amount of {$350.00} which is totally false. First of all, I was never issued that credit by XXXX and where is the evidence that XXXX has credited {$350.00} Second of all, there is no mention of when it was issued.
I've made several calls to XXXX XXXX at XXXX between XXXX XX/XX/XXXX regarding this claim # XXXX and yet it is not resolved.
Please help! {$350.00} may mean nothing to Citizens Bank but it is a lot for a consumer like me who has been a loyal customer of Citizens Bank for many years. I certainly do not deserve this treatment by Citizens and I have the right to claim the {$350.00} plus interest if applicable.
Thank you for your attention to this matter. Best way to communicate with me is to call me at XXXX with any questions or email XXXX. If I do not answer the call, please leave message with a call back number as the interpreter will sign your message XXXX XXXX XXXX | null | CITIZENS FINANCIAL GROUP, INC. | MA | 02048 | null | Consent provided | Web | 2020-06-30 | Closed with explanation | Yes | null | 3,713,604 |
2022-08-31 | Checking or savings account | Checking account | Closing an account | Company closed your account | On XX/XX/2021 I received a wire deposit for XXXX. Capital One then put a restriction on my account the next day and would not release my funds. I also received a XXXX payment in that account and they refuse to release that to me as well. When I spoke with a representative last she told me they would mail me the money but that was a whole month ago. My account has not been closed but they keep saying pending closing but it hasnt closed down. I have not heard anything back from the investigator on my case. The have $ XXXX locked in my account and will not release my funds. I missed my closing because those funds where for my residential closing of my home and I couldnt even get my home which left me and my XXXX XXXX because of Capital one | null | CAPITAL ONE FINANCIAL CORPORATION | FL | 33462 | null | Consent provided | Web | 2022-08-31 | Closed with explanation | Yes | null | 5,931,427 |
2017-11-23 | Credit card or prepaid card | Store credit card | Fees or interest | Problem with fees | I received a credit card associated with promotional rate ( no interest ) if paid off within 18 months. I made payments that were substantially more than the minimum payment. No credit was applied to the minimum payment for the next month. The company charged me a late fee when a minimum payment would not be due. They did remove the charge from my account when I called and insisted. During the call the customer agent told me that I had to specify in my payment to pay off the late fee. The late payment was listed on my bill as a promotional fee, but on the customer agent screen she states that it was listed as a late fee. Synchrony is charging a late fee in spite of a payment made that would cover the minimum payment for the next 3 months. They are cheating unsuspecting customers with a bogus late fee when they should not be charging a late fee due to a previous substantial payment. The late fee should be listed as a late fee. I made a payment on the XX/XX/XXXX of the month and the customer agent told me that my payment was late despite making a payment early on the XX/XX/XXXX of the month before. The scheduled payments are made on the XX/XX/XXXX of the month. They are attempting to charge a late fee even when additional payments are made to the account and a payment falls after the stated due date. I closed this account. I hate credit card companies who nickel and dime customers attempting to pay off these accounts ahead of time. Consumers should be warned about these predatory practices from Synchrony. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | GA | XXXXX | Servicemember | Consent provided | Web | 2017-11-23 | Closed with explanation | Yes | null | 2,736,790 |
2018-10-08 | Debt collection | Mortgage debt | False statements or representation | Attempted to collect wrong amount | XXXX Bank, XXXX XXXX, has been illegally attempting to collect a mortgage debt for the past 2.5 years and has engaged in multiple instances of fraudulent misrepresentation to both me, the state and appellate courts of Ohio, and to the United States Sixth Circuit Federal Court.
Specifically, the Bank, by and through its attorneys, alleged that it is the new trustee in the case by virtue of being the successor in interest to Bank of America. As a result of those false statements, the bank then stated to the courts that it was the 'real party in interest ' in my case.
In addition, XXXX Bank itself wrote me a letter ( attached ) in XX/XX/XXXX stating that it was the 'trustee ' for the 'trust ' that owns my note and mortgage. None of the statements above, both made in court and made to me, were true at the time they were made, and they are still not true today.
The evidence of their falsity is readily apparent by means of a fraudulent 'Corporate Assignment of Mortgage ' that was filed by XXXX XXXX XXXX , XXXX , the servicing agent on the account.
The assignment, which was prepared on XX/XX/XXXX, contains a number of contradictions that prove that the statements made prior to that date were false. In addition, further statements that were made after XX/XX/XXXX are also false since they assignment failed to transfer any 'interests ' to XXXX Bank as they alleged in court documents.
XXXX Bank, in addition to committing fraud upon the Courts, is in direct violation of the Consent Decree it signed with the OCC in XXXX, XXXX.
Article IV ( 1 ) ( e ) of the Compliance Program, signed by the bank on XX/XX/XXXX, requires the bank to establish and maintain : ( e ) processes to ensure that the Bank has properly documented ownership of the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the action ( as a result of agency or other similar status ) at all stages of foreclosure and bankruptcy litigation, including appropriate transfer and delivery of endorsed notes and assigned mortgages or deeds of trust at the formation of a residential mortgage- backed security, and lawful and verifiable endorsement and successive assignment of the note and mortgage or deed of trust to reflect all changes of ownership ; ( emphasis added ) All of the above requirements imposed by the OCC detailed above have been violated.
As of XX/XX/XXXX, XXXX Bank has filed a new praecipe of sale as part of its ongoing fraudulent scheme to literally steal my home under false pretenses.
I filed in state court on XX/XX/XXXX the attached new motion to vacate the summary judgment due to fraud on the court and 'any other reasons justifying relief ', but it was incorrectly denied on XX/XX/XXXX due to 'res judicata ' . | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | OH | XXXXX | null | Consent provided | Web | 2018-10-08 | Closed with explanation | Yes | null | 3,039,962 |
2021-09-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I contacted TD Bank in XX/XX/2021 regarding a home equity loan on my co-op located in XXXX, NJ. I was assigned to XXXX XXXX, XXXX, Mortgage Loan Officer, NMLS # XXXX. After numerous phone conversations, Ms. XXXX assured me that she can process the home equity loan and that TD Bank provides financing for home equity loans in the XXXX of NJ. After those confirmations and assurances ( conversations which were recorded ), I and my co-applicant agreed for Ms. XXXX to run our credit histories and proceed with the application. After the loan went to underwriting, I was informed that TD in fact does NOT do home equity loans in the State of NJ. I left Ms. XXXX two voicemails to get an explanation, which she did not return.
Upon this non-response, I requested to speak to a supervisor. After a few more follow-ups, on or around XX/XX/2021 ( about 3 months after my initial application ), a supervisor named XXXX XXXX finally called me back. He nonchalantly told me that TD Bank does not finance home equity loans in the State of NJ, only in NY and offered no further explanation. I requested that the inquiries be removed from mine and co-applicant credit reports because those were agreed to based on misrepresentations made by Ms. XXXX and he said he will make the request. I followed up on XX/XX/2021 on the status. The supervisor refused to speak to me and I was informed by XXXX XXXX XXXX, Loan Processor, NMLS ID # XXXX that my manager said he escalated to the appropriate parties for further research, as discussed in your last conversation with him. And as soon as there is an update someone else from that department will reach out to you. As of today, XX/XX/2021, I am still waiting on a status update and more importantly on a resolution.
Ms. XXXX was negligent and misrepresented, lied, and took advantage of an elderly applicant ( I am XXXX XXXX XXXX ). As such, she should be immediately stripped of her license and she should not be allowed to take advantage of consumers, especially elderly ones. Because of her actions, my credit report was damaged, I am facing high interest rates with new creditors, and I have lost 3 months of time that I can not get back.
On the other hand, the supervisor XXXX XXXX was rude and refused to talk to me and provide status update and a resolution to my case. He should not be in the supervisory position and should be providing me with an apology for the way he spoke to and treated me. He should be enrolled in an extensive training program.
I demand that the credit inquiries be removed from mine and my co-applicants credit reports due to negligence and misrepresentation and that Ms. XXXX and Mr. XXXX face consequences for their actions to protect consumers like me. | null | TD BANK US HOLDING COMPANY | NJ | 074XX | Older American | Consent provided | Web | 2021-09-22 | Closed with non-monetary relief | Yes | null | 4,744,771 |
2022-08-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research.
XXXX XXXX bankruptcy and XXXX XXXX bankruptcy was verified to my account without being verified Account names XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX Credit Coll Account number : XXXX XXXX Credit Coll Account number XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX Account number : XXXX In accordance with the fair credit reporting act XXXX Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have a right to privacy.
15 U.S.C 1681 Section 604 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. | GA | 30344 | null | Consent provided | Web | 2022-08-08 | Closed with non-monetary relief | Yes | null | 5,854,044 |
2022-11-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33351 | null | Consent provided | Web | 2022-11-07 | Closed with non-monetary relief | Yes | null | 6,177,077 |
2018-03-27 | Debt collection | Federal student loan debt | Attempts to collect debt not owed | Debt is not yours | It has been over five years since ECMC has first contacted me about a student loan debt that is not mine, that was the first time Ive heard about the 1987 debt, I have written many letters explaining the debt is not mine, and it may have been obtain through fraud, at my request they sent me a copy of the original contract and a default judgment, the SSN, middle initial, address and signature are not mine. I have never attended the school listed on the contract, they have created a computer generated document with my correct SSN and attached it to my name.
I believe ECMC has continued to force this debt onto me for financial gain, which has cause me many pain and suffering | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ECMC GROUP, INC. | NY | 11203 | Servicemember | Consent provided | Web | 2018-03-27 | Closed with non-monetary relief | Yes | null | 2,855,339 |
2021-03-15 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | I received a bill for XXXX from Continental Central Credit , Inc supposedly for XXXX XXXX. I called this collection agency and they do not answer their phone. I called XXXX XXXX and they said I have a XXXX balance and will be sending me a statement. The hospital where I receive XXXX XXXX was hacked and medical and personal info was taken. I think this is a scam so they could get a small payment and then use this info to drain my account. | null | Continental Central Credit, Inc. | NM | 87301 | Servicemember | Consent provided | Web | 2021-03-15 | Closed with explanation | Yes | null | 4,215,658 |
2023-08-22 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | BANK OF AMERICA IS HOLDING {$10000.00} OF MY MONEY IN MY CHECKING ACCOUNT THE ACCOUNT IS CLOSED AND I HAVE ANOTHER CHECKING ACCOUNT WITH BANK OF AMERICA.
I NEED TO TRANSFER THIS MONEY TO MY NEW CHECKING ACCOUNT.
IT IS UNFAIR OF THEM, I NEED THE MONEY TO PAY MY BILLS & I CANT.
I HAVE NO CLUE WHY THEY ARE HOLDING THE MONEY, AND THEY HAVE NOT RESPONDED TO ME.
I HAVE SPENT HOURS ON THE PHONE TRYING TO GET INFORMATION, TO GET A DROPPED CALL. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NY | 11230 | Older American | Consent provided | Web | 2023-08-22 | Closed with explanation | Yes | null | 7,440,427 |
2018-03-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I applied through XXXX XXXX of XXXX for a personal loan. I understand XXXX XXXX shops for the best loan offer with outside XXXX. I received an email from Upgrade and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that Upgrade and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from Upgrade or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed Upgrade sent XXXX emails to me, dated from XXXX to XXXX. It was on XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from Upgrade. I contacted Upgrade and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XXXX. The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way. | null | Upgrade, Inc. | TX | 77065 | null | Consent provided | Web | 2018-03-09 | Closed with explanation | Yes | null | 2,838,385 |
2022-11-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | In XXXX XXXX XXXX closed my account and charged it off as bad debt for which I received a XXXX and it was filed on my tax return. Though the debt was charged off, my credit reports drill reflect the full balance. In efforts to get the situation resolved by making a payment toward the balance, XXXX XXXX does not allow you to make a payment with them. When calling back, XXXXXXXX XXXX leaves me on hold for extended periods of time. It is illegal for XXXXXXXX XXXX to take the full balance from me on a debt that they have already charged off and received tax benefit for. It is unfair for XXXX XXXX to let my credit continue to be negatively affected. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 206XX | null | Consent provided | Web | 2022-11-17 | Closed with explanation | Yes | null | 6,216,334 |
2022-02-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | XX/XX/XXXX / 30 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 91801 | null | Consent provided | Web | 2022-02-04 | Closed with explanation | Yes | null | 5,185,513 |
2023-08-31 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. | null | EQUIFAX, INC. | LA | 70360 | null | Consent provided | Web | 2023-08-31 | In progress | Yes | null | 7,484,104 |
2019-03-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Please deleted this incorrect information.I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.I was never late. | null | EQUIFAX, INC. | FL | 349XX | null | Consent provided | Web | 2019-03-28 | Closed with explanation | Yes | null | 3,193,741 |
2023-04-06 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Card opened as result of identity theft or fraud | To Discover, XXXX, XXXX, XXXX, & NJ Attorney General A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to discover to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX, XXXX, & XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. Discover account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with Discover in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by Discover regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. Thank you. | null | DISCOVER BANK | NJ | 07032 | null | Consent provided | Web | 2023-04-06 | Closed with non-monetary relief | Yes | null | 6,804,651 |
2021-01-15 | Debt collection | Private student loan debt | Written notification about debt | Didn't receive enough information to verify debt | On XX/XX/2020, I called and spoke to a representative of Bass & Associates, PC in order to validate the debt and any possible charge-offs against me. However, Bass & Associate, PC failed to validate any debt against me. | null | Bass & Associates, P.C., Attorneys at Law | TX | 773XX | null | Consent provided | Web | 2021-01-15 | Closed with explanation | Yes | null | 4,072,139 |
2022-04-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have lease a vehicle in XXXX of XXXX from Mercedes Financial Services. I never had any single late payment on this account. I have decided purchased this vehicle in XXXX of XXXX. After completely paying off this car loan it has started to report repossession on my credit report. I have contacted this creditor and they said it was reported by a system error and they will make a correction.
It has been XXXX months after my last request and it has never been corrected. I have called them again and been told that because the account is already closed and they dont report it every month it can take a long time for an update.
Also with this request I am sending you copy of the Payoff letter from MB Financial, Bill of Sale letter and Title Release letter.
At the current moment I have this car at my possession which I am driving.
Because their incorrect reporting my credit scores came down about 100 points. Right now I have to refinance my house but I am not able because my scores are suffering because of this issue. | null | Mercedes Benz Financial Services | CA | 91401 | null | Consent provided | Web | 2022-04-03 | Closed with explanation | Yes | null | 5,401,437 |
2023-07-10 | Checking or savings account | Savings account | Closing an account | Company closed your account | On XX/XX/XXXX Wells Fargo froze my account. I called and spoke with someone and on XX/XX/XXXX they sent all my information into XXXX XXXX and without giving me information on what was going on and closed my account and froze my funds. This in turn put me into a very bad financial situation and made it very difficult for me to pay my bills and get things straightened out. They also wouldn't tell me anything and when I went to get another checking account, they informed me they couldn't because of what was sent into XXXX XXXX. I then contacted XXXX XXXX and found that before the investigation was even started that an executive named XXXX had already sent in my information without telling me the reason. They did not offer any other ways to rectify this and did not care that I had minimal ways to pay my bills. As a result of all this I incurred tons of emotional and physical damage and want to warn others that may consider banking here. They froze my account for over a month and made it very very hard for me to do anything. I feel compensation should be in order as it was over a month before I actually found out the reason for it being frozen, which it still shouldn't have been. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NC | 28025 | null | Consent provided | Web | 2023-07-10 | Closed with explanation | Yes | null | 7,232,068 |
2022-01-28 | Vehicle loan or lease | Loan | Incorrect information on your report | Information belongs to someone else | This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The ALLY FINANCIAL XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
ALLY FINANCIAL XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | FL | 33825 | null | Consent provided | Web | 2022-01-28 | Closed with explanation | Yes | null | 5,159,389 |
2023-01-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I REPORTED TO HONDA FINANCIAL THAT MY CAR PAYMENT HISTORY WAS NOT REPORTING TO MY CREDIT FILE. I'VE JUST RECENTLY PAID THE CAR OFF BUT IT'S STILL NOT SHOWING AND I NEED THIS ACCOUNT TO SHOW PAID AS AGREED AND NEVER LATE BECAUSE I WANT TO PURCHASE A HOME SOON AND I UNDERSTAND THAT THIS WILL HELP ME ALOT HAVING A PAID CAR LOAN REPORTING TO MY FILE. I'M ATTACHING A COPY OF THE LETTER HONDA JUST SENT ME SHOWING PROOF. | null | AMERICAN HONDA FINANCE CORP | CA | 93720 | null | Consent provided | Web | 2023-01-24 | Closed with explanation | Yes | null | 6,479,775 |
2019-11-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/2019, I received notification that a collection was placed on my account. The company is Midwest Recovery System. It seems they are collecting for a company called XXXX XXXX XXXX. Prior to this, I havent received any notification either through mail or phone call.
I disputed the information via XXXX and it came back verified. I have not been contacted by this company.
I learned through a search that several other complaints on this company doing the same thing. | null | Midwest Recovery Systems | CA | 94605 | null | Consent provided | Web | 2019-11-11 | Closed with explanation | Yes | null | 3,434,655 |
2023-03-29 | 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 have attached an FTC report with inquiries I did not apply for or authorize please delete | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | ME | 042XX | null | Consent provided | Web | 2023-03-29 | Closed with non-monetary relief | Yes | null | 6,770,449 |
2022-08-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | 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 my account without written instructions.
XXXX was called and failed to investigate my accounts on XX/XX/2022 due to they needed to verify my identity. Proof of my drivers license and proof of bill was sent with my dispute and prior to that dispute they still ignored my disputes. please have them investigate and remove.
Experian Also failed to comply with the FCRA as well and did not respond to my dispute nor send me verifications of proof of accounts.
XXXX has failed me as well all of these bureaus has violated my rights multiple times and I would like these accounts updated immediately as I have proof as well. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77578 | Servicemember | Consent provided | Web | 2022-08-12 | Closed with non-monetary relief | Yes | null | 5,873,560 |
2020-06-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60651 | null | Consent provided | Web | 2020-06-09 | Closed with explanation | Yes | null | 3,690,048 |
2017-01-29 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA , Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.
PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter.
I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting.
I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program. | Company believes it acted appropriately as authorized by contract or law | Titan Receivables, Inc. | CA | 92105 | null | Consent provided | Web | 2017-02-07 | Closed with explanation | Yes | No | 2,316,819 |
2023-02-05 | 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 | 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 XXXX XXXX XXXX Account # XXXX NEVER LATE PLEASE UPDATE | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30906 | null | Consent provided | Web | 2023-02-05 | Closed with explanation | Yes | null | 6,524,255 |
2023-07-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Even if you didn't receive 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 Canceled or Charge off is income. The reporting of this account as a debt is inaccurate. | null | DISCOVER BANK | GA | 309XX | Servicemember | Consent provided | Web | 2023-07-03 | Closed with explanation | Yes | null | 7,200,783 |
2023-03-09 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Company closed your account | I had three credit cards from CitiBank including one XXXX credit card ending with XXXX since XXXX, a second XXXX credit card ending with XXXX since XXXX or XXXX, and a XXXX XXXX credit card ending with XXXX since around XXXX or earlier. I had never missed a payment to any of the three Citi credit cards since I had them. As a matter of fact, I had never missed any payment to any of my credit cards with Citi and/or other credit card issuers. In XX/XX/XXXX, I made {$20000.00} purchases on card XXXX and another {$20000.00} purchases on card XXXX, and I had already paid off {$17000.00} on card XXXX and paid off {$18000.00} on card XXXX by XX/XX/XXXX. However, Citi closed all of my three credit cards aforementioned on XX/XX/XXXX. I called Citi on XX/XX/XXXX, and a Citi representative told me the reason Citi closed my accounts was because I had a very high overall revolving credit line so Citi decided to close my accounts. I asked the representative could he help me submit a request to re-open those three credit cards for me based on the facts that I had been a long time Citi credit card customer, that I had never missed a payment, that I had a very good financial health, and that the overall revolving credit line I have from all of my credit cards is not high relative to my income. The representative asked for my income and helped me submit a re-open request. XXXX XX/XX/XXXX, I called Citi again and found out that Citi declined to re-open those XXXX credit cards for me. Additionally, Citi refused to give the remaining reward points back to me which worth about {$600.00}. Those reward points were earned from the purchases I made on cards XXXX, XXXX and XXXX. On XX/XX/XXXX, I received a letter from Citi, saying that the reason of closure was that my credit report shows a number of revolving credit accounts with balances that are near or at the credit limit, which was not true/accurate, and it was not the same reason as the representative told me on XX/XX/XXXX. Citis claim was not true/accurate because I only made large amount purchases on my Citi cards XXXX and XXXX. I do not have high balance on any of my other credit cards with any other issuers. What is worse, as a result of the abrupt and baseless closure, my credit score ( from XXXX ) fell from XXXX to about XXXX. Citis harmful action has damaged my credit score significantly, especially during a time that I am preparing to buy a house. I am really disappointed at the way Citi treats its long-time and loyal customer. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | TX | 77450 | null | Consent provided | Web | 2023-03-09 | Closed with explanation | Yes | null | 6,663,727 |
2020-01-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX | null | Innovis | OH | 43068 | null | Consent provided | Web | 2020-01-13 | Closed with explanation | Yes | null | 3,494,841 |
2021-06-28 | Vehicle loan or lease | Loan | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Santander Auto is continuing to report a repossession from 2019 on my credit report that shouldve been included in the class action lawsuit. I am a resident of Georgia and my state was included in the class action lawsuit. This Tradeline they are continuing to report is illegal and I would like for it to be removed. | null | Santander Consumer USA Holdings Inc. | GA | 30005 | Servicemember | Consent provided | Web | 2021-06-28 | Closed with explanation | Yes | null | 4,499,223 |
2021-04-12 | 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 | Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon. | null | EQUIFAX, INC. | WI | 53092 | null | Consent provided | Web | 2021-04-12 | Closed with explanation | Yes | null | 4,292,387 |
2023-08-27 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX Westlake Financial SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history.
Account Information : - Account Number : XXXX - Original Creditor : WFS - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation.
I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being.
Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter.
You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation.
Thank you for your immediate attention to this important matter.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Westlake Services, LLC | IL | 60619 | null | Consent provided | Web | 2023-08-27 | Closed with explanation | Yes | null | 7,469,252 |
2022-07-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have been a victim of identity theft and I have a number of fraudulent accounts on my report that I did not authorize | null | EQUIFAX, INC. | CA | 90732 | null | Consent provided | Web | 2022-07-01 | Closed with non-monetary relief | Yes | null | 5,727,860 |
2021-10-25 | 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 have reached out to all of these company 's and they will not help. | null | Consumer Portfolio Services, Inc. | FL | 32065 | null | Consent provided | Web | 2021-10-25 | Closed with explanation | Yes | null | 4,843,214 |
2017-01-20 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Received bad information about my loan | My loans were in deferment for 1.5 years during XXXX school. As I was planning to begin repayments of prior loans and loans ending their grace period, I noted many inconsistencies on my online account. The online accounts are not updated to reflect payments made regularly. It was also impossible to determine when payments were due for different loans. This information was not only unavailable online, but inconsistent with different customer service representatives even within the same day. Over the last month, I had been contemplating consolidating with another company due to the poor service. I am a responsible consumer and my experience in trying to repay my loans has been terrible. I do not trust this company in servicing my student debt and educational investments. | null | Navient Solutions, LLC. | PA | 19426 | null | Consent provided | Web | 2017-01-20 | Closed with explanation | Yes | No | 2,297,329 |
2019-01-10 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | I received a overnight XXXX letter from company Atlantic credit finance XXXX XXXX XXXX VA XXXX XXXX we received a letter stating this was in Pre-legal notification to contact them to make arrangements with a payment plan of XXXX bi weekly by XX/XX/2019 or they will forward this to an attorney for litigation. Please keep in mind we have never received a ( 1st notice ) Letter ) this was the 1st letter that was ever received. I contacted this agency and wanted to honor what they had in writing for a payment arrangement, I spoke to two representatives by the name of XXXX and XXXX both advised me they could not honor what was in writing without a down payment of a percentage down? I advised them both this was not was was in writing and all we would like to to due to our financial status that I could afford. Both refused to honor what was received in writing. I have kept this correspondence along they both advised me that the call was being monitored and both did not give me the full mini Miranda. I will still mail in what the correspondence I received to show my good intent while there poor practices along with taking advantage of me as a consumer by misleading me to contact them with arrangements they offered me in writing and would not accept. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Atlantic Credit & Finance, Inc. | TN | 37013 | null | Consent provided | Web | 2019-01-10 | Closed with non-monetary relief | Yes | null | 3,121,459 |
2020-08-25 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | Good Day on XX/XX/XXXX Navy Federal Credit Union took {$630.00} from my saving account XXXX. Alleging that I owe them from a charge off account whereas I had no knowledge off. The representative of Navy Federal on XX/XX/XXXX said a account was open up in my name. She provided the account number XXXX. ( Checking Account ). However I file a Bankrut in XXXX Whereas I was no longer to get a Checking account. Navy Federal claim that the checking account was open in XXXX. They ask me did I ever wrote a check to a Company. I told them no. This Fraudlent charge was open under XXXX. The failed to provide me a copy of any documentation. Also in XXXX I lost my Dad and had XXXX. I don't know nothing about XXXX. If you have any question please contact me XXXX XXXX at XXXX XXXX XXXX. Your attention in this matter is appreciate. I seeking to get back {$630.00}. Also Navy Federal refuse to speak with me on this matter they hung up mulitple times on the phone to discuss this matter. I ask them to generate this Check under my name. I will be receiving a denial letter in the mail soon. | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | MD | 21204 | null | Consent provided | Web | 2020-08-25 | Closed with explanation | Yes | null | 3,812,455 |
2018-09-10 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | I recieved an offer to finance an automobile through Capital one. I have received these offers continuously for about 2 years now. In this same time period I have been DENIED a credit line increase multiple times. How can my credit be good enough to finance a car but not good enough to increase my credit line? Is it my age ( XXXX ) or Military status ( Veteran )? I really want to know. | null | CAPITAL ONE FINANCIAL CORPORATION | FL | 32708 | Servicemember | Consent provided | Web | 2018-09-10 | Closed with explanation | Yes | null | 3,015,168 |
2023-06-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I received my credit report on XX/XX/XXXX and noticed there were Hard inquiries that don't have permisible purpose to be on there. These Hard inquiries are hurting me in getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under15 USC 1681b. The Hard inquiries that are in question are the following : XXXX Inquiry date : XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | PR | 00791 | Servicemember | Consent provided | Web | 2023-06-07 | Closed with explanation | Yes | null | 7,077,298 |
2023-06-01 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Can't stop withdrawals from your account | I have been trying to work with my credit union every since i returned home from military duties. I have had multiple transactions go through on my account numerous of dollars basically gone down the drain. I have reported this to my bank and have been told that no errors have a occur but obviously it is a big mistake on my account. I have called and gotten the run around on this. I was told to go to the bank in person but with me working and military going on i am not able to go to a physical branch. I have been told numerous times that they have sent out multiple cards to me and they have not. I only received one card and that is the card in my possession now and only reason i ended up with this one card is because i paid a fee for expedited shipment. I have fax multiple information to them to prove that fraud have occur and they sent multiple letters telling me no error occur and that is not true. Whoever used my cards had changed information card pins and all and i'm still being told no error occur. They have not sent me any information on how they verified this information or nothing. They just quick to shut down my case and not give me anytype of refund for this unauthorized person using my account. | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | AL | XXXXX | Servicemember | Consent provided | Web | 2023-06-01 | Closed with explanation | Yes | null | 7,055,894 |
2020-09-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. | null | EQUIFAX, INC. | AR | 723XX | null | Consent provided | Web | 2020-09-01 | Closed with explanation | Yes | null | 3,825,164 |
2018-04-15 | 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 am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX report and found the inquiry below which was not authorized by me : Clarity Services on behalf of XXXX XXXX XXXX Date : XX/XX/2018 | null | Clarity Services | NY | XXXXX | null | Consent provided | Web | 2018-04-15 | Closed with explanation | Yes | null | 2,875,922 |
2020-03-12 | Student loan | Private student loan | Struggling to repay your loan | Can't get other flexible options for repaying your loan | MY GRANDPARENTS COSIGNED FOR ME A COUPLE LOANS THROUGH SALLIE MAE. LONG BEFORE I GRADUATED THEY STARTED DEMANDING MONEY IS LARGE SUMS. MY GRANDPARENTS PAID THEM OVER XXXX AT ONCE WHEN THEY GOT TRICKED INTO THINKING THEY HAD TO. I HAVE TRIED TO TELL SALLIE MAE THAT I MAKE XXXX HOUR AND ALONG WITH BILLS AND RENT I ALSO HAVE A CHILD TO TAKE CARE OF. I CAN BARLEY AFFORD TO PAY THEM ANYTHING BUT AM WILLING TO PAY THEM XXXX OR SOMETIMES MORE A MONTH. MY GRANDPARENTS ARE RETIRED AND CANT AFFORD TO PAY THEM WHAT THEY ARE DEMANDING. THEY ARE NOW CALLING MULTIPLE TIMES AN HOUR MAKING THREATS AND HARASSING US AND BULLYING US. THEY SAID MY LOANS ARE IN DEFAULT AND NEED MY GRANDPARENTS TO PAY XXXX UP FRONT NOW AND ME MAKE XXXX MONTH PAYMENTS. I TOLD THEM I CAN SEE ABOUT THAT A MONTH BUT MY GRANDPARENTS CANT AFFORD THE XXXX UP FRONT. THEY WILL NOT SETTLE FOR ANYTHING BUT THAT. THEY ARE THREATENING TO SUE AND THEY INVADED MY GRANDPARENTS PRIVACY BY LOOKING INTO THEIR BANK ACCOUNT. MY GRANDMA TOLD THEM SHE COULD NOT AFFORD TO PAY THAT UP FRONT AND THEY TOLD ME THAT THEY KNOW SHE CAN AND THAT THEY KNOW MORE ABOUT IT THAN I DO. THE SALLIE MAE REPS ARE VERY RUDE. IM NOT TRYING TO GET OUT OF PAYING BUT I WANT MY GRANDPARENTS OFF THE HOOK AND FOR ME TO BE ABLE TO PAY AFFORDABLE PAYMENTS A MONTH. I CAN NOT GO HOMELESS BECAUSE OF THEM. I HAVE MY CHILD TO THINK ABOUT AND MY GRANDPARENTS BARELY HAVE MONEY, JUST ENOUGH TO COVER BILLS AND FOOD. PLEASE HELP ME GET SOME TYPE OF RELIEF. IM ABOUT TO GO CRAZY. AGAIN THEY CALL MULTIPLE TIMES AN HOUR WITH ACCUSATIONS AND DEMANDS. | Company believes it acted appropriately as authorized by contract or law | SLM CORPORATION | WV | 26301 | null | Consent provided | Web | 2020-03-18 | Closed with explanation | Yes | null | 3,564,098 |
2023-02-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | CA | 92377 | null | Consent provided | Web | 2023-02-28 | Closed with explanation | Yes | null | 6,621,293 |
2023-04-02 | 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 | Please remove all of the unauthorized inquiries attached to my consumer profi le. My consumer rights hasbeen violated and my character is being tournished according to 15 us code 1681b. I am requesting itremove within 15 calendar days. | null | EQUIFAX, INC. | IL | 60462 | null | Consent provided | Web | 2023-04-02 | Closed with explanation | Yes | null | 6,768,644 |
2022-03-22 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | My wallet was stolen out of my car in XXXX. It contain my lD and SS card and other docs. | null | Kriya Capital, LLC | VA | 23233 | null | Consent provided | Web | 2022-03-22 | Closed with non-monetary relief | Yes | null | 5,351,789 |
2019-07-19 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Problem with a company's investigation into an existing issue | Their investigation did not fix an error on your report | I have called/written to dispute this inaccurate information on my credit report and let them know this information is inaccurate. I have sent the recommended documents to get this resolved. The following accounts are listed incorrectly 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 | Experian Information Solutions Inc. | AL | 366XX | null | Consent provided | Web | 2019-07-19 | Closed with non-monetary relief | Yes | null | 3,312,386 |
2021-06-14 | 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 | I called Experian and spoke with a representative explaining that there are several fradugelent inquiries and an account from XXXX listed on my credit report. I have explained that I did not ask for these things or applied for anything with my personal information. They instructed that I send in an Identity Theft Report and my ID which I have in the past but they keep saying that they didn't get it. I am attaching the information to this complaint. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77024 | null | Consent provided | Web | 2021-06-14 | Closed with explanation | Yes | null | 4,458,373 |
2020-03-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | On XX/XX/2020, I received an alert from Equifax regarding an new address added to my credit report, which does not belong to me. I have not applied for any credit or my creditors have this address. I have tried to dispute this address but Equifax sill has this address on my credit report as mixed. The said they have deleted this information form my credit report but still not showing correctly. | null | EQUIFAX, INC. | GA | XXXXX | Servicemember | Consent provided | Web | 2020-03-17 | Closed with explanation | Yes | null | 3,569,114 |
2023-08-30 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | My account was closed on XX/XX/XXXX for violating terms and agreements of my account. I was asked to verify my identity and verify where the funds came from to prevent fraud. I had done so multiple times and was just told they will not be refunding any money received from a life insurance policy and employment. They couldn't even disclose what exactly did I violate. | null | Chime Financial Inc | OH | 45212 | null | Consent provided | Web | 2023-08-30 | Closed with explanation | Yes | null | 7,473,626 |
2015-05-04 | Student loan | Non-federal student loan | Can't repay my loan | Can't get flexible payment options | Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with XXXX XXXX XXXX. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have surgery last year. He had a total of XXXX surgeries in XXXX months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. Every month XXXX XXXX XXXX keep sending loan to different law offices. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan. | null | TRANSWORLD SYSTEMS INC | NC | 27105 | null | Consent provided | Web | 2015-05-06 | Closed with explanation | Yes | No | 1,359,885 |
2021-07-31 | 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 | his complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IL | 60617 | Servicemember | Consent provided | Web | 2021-08-01 | Closed with non-monetary relief | Yes | null | 4,591,636 |
2023-08-27 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Be it known that I am compelled to address a grave concern that has arisen with regard to my consumer report. It hath come to my attention that certain information contained therein hath been brought forth through the nefarious machinations of identity theft, a plight most foul. Verily, I declare with unwavering conviction that I did not grant my written assent nor did I impart any instruction for the transactions in question to be inscribed upon my said consumer report. I trust this message finds you well. I am addressing a matter of utmost concern regarding unauthorized information present in my records. It has come to my attention that certain events have transpired, which I shall now describe, that require your immediate attention and action. To provide context, I wish to highlight that I did not grant any form of consent for the reported information to be included in my records. Furthermore, it is essential to note that there is no SSA-89 on file associated with these reported incidents. Given the gravity of the situation, I am left with no choice but to insist on the immediate blockage and removal of this unauthorized information from my records. I want to underscore that my consent was never given for the inclusion of this information, and the absence of an SSA-89 further confirms the unapproved nature of these entries. My request for blockage and removal is based on the ISUS code 1681, which I believe outlines the rights and protections afforded to consumers like myself in such situations. In light of the above, I kindly implore your urgent attention to this matter. Please take the necessary steps to rectify this issue promptly. I seek a resolution that ensures the unauthorized information is expunged from my records, in alignment with my rights as a consumer. I eagerly anticipate your response and the subsequent actions taken to address this concern. Thank you for your prompt attention and cooperation. With all due respect, I do beseech thee to expeditiously execute the blocking and expunction of the aforementioned information from my consumer report, with immediate effect. Know ye that this entreaty is conceived in earnest and free from any manner of misjudgment or error upon mine own part. Moreover, I solemnly affirm that this request is not grounded upon any distortion of fact, pertaining to the entreaty for the inhibition of the aforesaid transactions. Be it so acknowledged, the transactions in query bear no relation to any personal actions undertaken by mine own hand as the consumer. I therefore humbly entreat thee to heed my call and without delay enact the prevention of the dissemination of these transactions upon my consumer report.
XXXX XXXX XXXX XXXXXX/XX/2023 Furthermore, I beseech thee to provide substantiation of the alleged delivery of goods, for I avow that I received no such goods, nor did I partake in any essence of retrieval thereof. My stance on this matter is steadfast, and I anticipate and indeed expect that these measures shall be executed within the span of four days from the instant of the reception of this formal missive, in accordance with the dictates of the law. In fervent anticipation, I await thine elucidation on this most pressing matter. For your consideration and cooperation, I extend my gratitude. In good faith. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | GA | 30296 | null | Consent provided | Web | 2023-08-27 | Closed with non-monetary relief | Yes | null | 7,466,076 |
2019-11-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | ( XX/XX/19 ) Received email that my account is " delinquent '' from missing a payment, called and ECSI representative said it was a mistake ( XX/XX/19 ).
I made a payment and re-set up automatic payments moving forward ( XX/XX/19 ). Account still incorrectly marked as delinquent and bringing down my credit score.
Help is much appreciated! | null | HEARTLAND PAYMENT SYSTEMS INC | CA | 90292 | null | Consent provided | Web | 2019-11-13 | Closed with explanation | Yes | null | 3,437,305 |
2021-08-19 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | Carter-Young Collection Agency sent me a letter dated XX/XX/XXXX stating money is owed on an apartment rental for my ( at the time XXXX student son, which had been paid. My bank sent a letter saying it was paid. No contact was made to me by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating any amounts were owed on my son 's account, prior to the Carter-Young collection letter.
XX/XX/XXXX : I sent a letter to Carter-Young Agency requesting proof of debt and authorization to by XXXX XXXX to send me a collection notice, via U.S. Postal Service via Certified Mail Receipt XX/XX/XXXX : XXXX XXXX signed for receipt of my letter requesting proof of debt.
I have Copies of Collection notice, Certified Mail Receipt and signed receipt by XXXX XXXX attached.
I was not provided with proof of debt by Carter-Young.
The negative reporting is still present and showing on my XXXX, XXXX and XXXX credit bureau reports. | null | Carter-Young, Inc. | CA | 940XX | Older American | Consent provided | Web | 2021-08-19 | Closed with explanation | Yes | null | 4,646,664 |
2019-12-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED WERE NOT AUTHORIZED BY ME. THEY WERE INACCURATELY PLACED ON MY CREDIT AND I WOULDS LIKE THOSE TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF THOSE INACCURATE ACCOUNTS IT HAS BEEN REALLY HARD TO ACQUIRE NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THEM OFF MY REPORT. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33161 | null | Consent provided | Web | 2019-12-21 | Closed with explanation | Yes | null | 3,474,865 |
2023-02-16 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | I haven't done anything. was unaware I owed this kind of money to them. I go to the office every XXXX and I always pay my co-payment at the time of service, so not sure why I all of a sudden have a debt of {$1400.00} account number XXXX.
If this is a debt I owe it will need to be set up on payments since I am living on a fixed income.
Thank You XXXX XXXX the best way to reach me is via e-mail | null | Credit Clearing House of America, Inc. | KY | 40356 | null | Consent provided | Web | 2023-03-15 | Closed with explanation | Yes | null | 6,580,980 |
2019-06-05 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | ok, I sent out verification letters for them to never had first energy still stay with my parents, they responded and said they sent something out XX/XX/XXXX I sent a validation letter out on XX/XX/XXXX and have yet to hear anything | Company believes it acted appropriately as authorized by contract or law | Penn Credit Corporation | OH | 44120 | null | Consent provided | Web | 2019-06-05 | Closed with explanation | Yes | null | 3,265,373 |
2023-07-20 | 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. | GA | XXXXX | null | Consent provided | Web | 2023-07-20 | Closed with non-monetary relief | Yes | null | 7,279,156 |
2022-03-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : - Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; - Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Transunion is in violation of 15 USC 1681 ( A ) ( 2 ) ( B ). Furthermore, under investigative consumer reports : When a consumer report creates an investigative consumer report theyre not supposed to include faction information and theyre also supposed to interview your neighbors, friends, or associates. If any information from the investigation resulted as factual, it has to be excluded from the consumer report. I have made contact with Transunion and explained my rights as mentioned above demanding they remove the XXXX account # XXXX, and inquires XXXX XX/XX/21, XXXX XXXX XX/XX/21, XXXX XX/XX/21, XXXX XXXX XX/XX/21, XXXX XXXX XX/XX/21! Transunion has failed countless times to comply.
Thank you, | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 37167 | null | Consent provided | Web | 2022-03-12 | Closed with non-monetary relief | Yes | null | 5,312,797 |
2023-04-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in the violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 322XX | null | Consent provided | Web | 2023-04-20 | Closed with explanation | Yes | null | 6,867,722 |
2023-02-27 | Debt collection | Payday loan debt | Attempts to collect debt not owed | Debt was result of identity theft | Cashnet USA account was opened in my name back in XX/XX/2017 and was not opened by me. There is identity theft going on and Cashnet USA needs to be removed from my credit report. | null | ENOVA INTERNATIONAL, INC. | DE | 19802 | null | Consent provided | Web | 2023-02-27 | Closed with explanation | Yes | null | 6,623,993 |
2023-06-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter last XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$540.00}, XXXX XXXX Balance XXXX {$550.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$340.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$470.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$430.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$910.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | CA | 95678 | null | Consent provided | Web | 2023-06-05 | Closed with non-monetary relief | Yes | null | 7,064,944 |
2022-09-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | These companies : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are inquiries on my credit report that was not authorized to run my credit whatsoever. They never had permissible purpose. XXXX will not remove the inquiries and told me they will not dispute them! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32277 | null | Consent provided | Web | 2022-09-08 | Closed with explanation | Yes | null | 5,963,067 |
2023-08-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | GA | 30228 | null | Consent provided | Web | 2023-08-08 | Closed with non-monetary relief | Yes | null | 7,366,000 |
2023-01-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
XXXX XXXX MI XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48075 | null | Consent provided | Web | 2023-01-24 | Closed with non-monetary relief | Yes | null | 6,482,640 |
2023-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | I previously disputed several incorrectly reported items on my consumer profile, including a public record. LexisNexis sent letters to me stating that several items were deleted on my consumer profile. No updated consumer report was mailed to me. No link was provided for me to access my report. I have since called LexisNexis about six times requesting clarification on changes to my report. Each time that I call and explain my concern, I am transferred to a " Public Records '' department. Once connected, the representative blatantly disconnects the call. There were times that I was disconnected before the transfer. I have asked for a warm person-to-person transfer but that did not happen. I am placed in the queue each time. I have emailed LexisNexis, but no response. The company is refusing to provide me with a copy of my report and is deliberately making the dispute process difficult. My request is that LexisNexis investigate the calls and emails. A company that has access to my personal data yet hangs up on me fails to respond, and fails to provide me with the requested information is alarming to me. I am also requesting that LexisNexis provide me with a detailed explanation of the disputed information. As there is no way for me to know which record ( s ) were changed in my consumer profile. Today I spoke with " XXXX '' and " XXXX. '' When I spoke to XXXX she told me that she could not help me after I waited several minutes. She then told me that due to the security freeze, I can not get my consumer report. When I told her the security freeze has been on my profile since 2018 and I have received several letters this year with a link giving me access to my report, she then said it was due to my state. I then explained that my address is the same and asked for a supervisor. She said I would have to await a callback. She asked if I could provide a different number because a rep tried to call me previously and could not reach me. I explained that I was never informed that anyone would call me. I receive spam and scam calls. Had I been advised that someone would contact me, I would have been expecting their call, ultimately answering a known phone number. Six attempts later and still no resolution. Still no consumer report. Still no answers. | null | LEXISNEXIS | FL | 33579 | null | Consent provided | Web | 2023-08-14 | Closed with explanation | Yes | null | 7,398,672 |
2023-01-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33016 | null | Consent provided | Web | 2023-01-19 | Closed with non-monetary relief | Yes | null | 6,451,308 |
2022-08-16 | 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 Bank using account # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60431 | null | Consent provided | Web | 2022-08-16 | Closed with non-monetary relief | Yes | null | 5,883,292 |
2020-04-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX | null | EQUIFAX, INC. | OH | 439XX | null | Consent provided | Web | 2020-04-01 | Closed with explanation | Yes | null | 3,588,290 |
2020-07-04 | Debt collection | Credit card debt | Communication tactics | You told them to stop contacting you, but they keep trying | XXXX XXXX has been repeatedly calling me concerning an old debt that was sold to them by capital One, back in XX/XX/2017, this account is over Ten years old was opened back in XXXX, keep reporting it as current on my credit report since it was sold in XX/XX/2017. The calls are every other day from different numbers and Ive repeatedly told them not to call my number again. | null | CAPITAL ONE FINANCIAL CORPORATION | GA | 31907 | null | Consent provided | Web | 2020-07-04 | Closed with explanation | Yes | null | 3,728,925 |
2019-10-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | i've been a victim of identity theft and am requesting to have this item removed from my credit report. it does not belong to me. | null | EQUIFAX, INC. | CA | 902XX | null | Consent provided | Web | 2019-10-01 | Closed with non-monetary relief | Yes | null | 3,391,772 |
2022-03-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I Contacted The Company XXXX XXXXXXXX Over The Phone About 3 Statement Periods Not Reporting On My Credit Report ... And They Said They Don't Know What's Going On And It's Nothing They Can Do About It. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33181 | null | Consent provided | Web | 2022-03-17 | Closed with explanation | Yes | null | 5,335,717 |
2020-02-19 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. | null | PORTFOLIO RECOVERY ASSOCIATES INC | MA | 02121 | null | Consent provided | Web | 2020-02-19 | Closed with explanation | Yes | null | 3,536,527 |
2018-12-20 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | On XX/XX/18 a Validation of Debt request was sent to Fair Collections & Outsourcing on a debt they were attempting to collect for {$11000.00}. On XX/XX/18 an official dispute was mailed to Fair Collections regarding the same debt identified on behalf of XXXX XXXX XXXX in XXXX XXXX On XX/XX/18 a representative contacted our offices requesting an Identity Theft Affidavit which was immediately provided. On XX/XX/18, the Fair Collections representative advised the collection account was " on hold '' pending XXXX XXXX 's re-investigation ( and trust me, they have ALL of the needed documents too ). As of today, the account is now being reported to our client 's credit histories in clear violation of the Fair Debt Collections Practices Act. Fair Collections was previously in violation of the FDCPA when they reported a second fraudulent lease through another apartment community, in spite of receipt of all fraud documents, pending their re-investigation. This second account has now been cleared by the apartment community and reportedly removed from our client 's credit history. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FAIR COLLECTIONS & OUTSOURCING, INC. | FL | 324XX | null | Consent provided | Web | 2018-12-20 | Closed with explanation | Yes | null | 3,106,113 |
2019-07-29 | Debt collection | I do not know | False statements or representation | Attempted to collect wrong amount | Midland Funding/XXXX per XXXX credit report XX/XX/XXXX Midland funding est fall off date XX/XX/XXXX looking at XXXX XXXX, midland funding was removed from credit report XX/XX/XXXX new XXXX XXXX report XX/XX/XXXX ; midland funding was placed back on and new est fall off date XX/XX/XXXX 1-why was it put back on after it was removed 2-why is the fall off date changed to XX/XX/XXXX from XX/XX/XXXX 3-date of last payment with original creditor XXXX XXXX XXXXl XX/XX/XXXX per credit report ( XX/XX/XXXX was 30 days late and account never brought up to date. XXXX XXXX shows last payment XX/XX/XXXX but delinquency date of 120 days was XX/XX/XXXX. XXXX XXXX already removed from all three credit reports.
4-SOL for PA is 4 years and previously midland already advised in writing they can not sue me!
5-why did date change and put back on credit report after it was removed | null | ENCORE CAPITAL GROUP INC. | PA | 18702 | null | Consent provided | Web | 2019-07-29 | Closed with explanation | Yes | null | 3,321,591 |
2021-09-23 | 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 | On XX/XX/21 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | AL | 360XX | null | Consent provided | Web | 2021-09-23 | Closed with explanation | Yes | null | 4,747,168 |
2022-10-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | There are addresses listed on my credit report that I have never lived at or incorrect : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 43224 | null | Consent provided | Web | 2022-10-01 | Closed with non-monetary relief | Yes | null | 6,038,515 |
2017-01-31 | Debt collection | Medical | Disclosure verification of debt | Right to dispute notice not received | Eagle recovery has continuously called me but not once sent me anything via mail to make payments on my medical bill that is in collections with them until they wanted the full amount. Now they want an outrageous monthly balance even though I try and work with them. Claiming it will be too long to pay off if I give them a smaller monthly balance. I thought that 's what we were talking about in the first place, and what I was giving them was reasonable for what I can afford on a single persons budget with everything else I have to pay. They are n't the only bill. | null | Eagle Recovery Associates, Inc. | IL | 61081 | null | Consent provided | Web | 2017-01-31 | Untimely response | No | No | 2,319,439 |
2022-04-25 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | I received a debt collection notice from both Convergent Outsourcing , Inc and XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. I was surprised to receive this because I've never set up an account with T-Mobile and had never received any kind of billing notices from them prior to receiving the debt collection notices. On XX/XX/22 I called Convergent Outsourcing and notified them that I was disputing the debt. The letter they sent me states that if I dispute the debt they must stop collection until they send me the information that shows I owe the debt. As of XX/XX/22 I have not received any correspondence regarding my dispute, but I have received an additional collection notice that was issued on XX/XX/22.
When I initially called Convergent on XX/XX/22 they also advised me to call XXXX directly to dispute the claim. I did this on the same day. I spoke with XXXX different representatives and they were unable to give me any information regarding the account and wouldn't allow me to dispute anything because I couldn't give them the pin number associated with the account. As I never set up an account I have no way of knowing what this pin number could be and they did not offer me any assistance with this. I also requested that they reach out to the debt collector directly about this as they wouldn't give me any information. They refused to take the debt collection account number when I offered it.
I would like confirmation that they will cease all debt collection efforts and that this will not affect my credit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | OH | 43016 | null | Consent provided | Web | 2022-04-25 | Closed with explanation | Yes | null | 5,496,880 |
2022-06-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Removed Incorrect Addresses Transunion XXXX XXXX XXXX, XXXX, LA, XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX I | 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 | 2022-06-24 | Closed with non-monetary relief | Yes | null | 5,686,044 |
2021-12-15 | 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 | Dear Sir or Madam, XXXX. XXXX XXXX Account 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 90 days late on this account in XX/XX/XXXX as well as 120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, also in 150 days, 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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48214 | null | Consent provided | Web | 2021-12-15 | Closed with explanation | Yes | null | 5,011,028 |
2018-02-27 | Checking or savings account | Checking account | Managing an account | Funds not handled or disbursed as instructed | On the XX/XX/XXXX, when I tried to access Bank of America 's online bank, the answer I got was that my user did not exist, I thought they were system problems, or that they had closed my account passed to many people.
The next day when I tried to enter I simply obtained the same result, so I took the option to call the Bank of America call center.
The executive told me that my account was not closed, just for some reason I was not online anymore, I had to create a user and do the registration procedure, when I achieve it and see the balance I realize that I'm missing money. I start to review the records and see that three transferences that were made to my account by a sale were reversed. One for u.s.d. XXXX, another for usd XXXX and another for usd XXXX.
I go back to the Bank 's executive and she tells me that the bank that made the transfer went to the bank and stated that her account was cheated and that she had not made those transfers, the bank without investigation or communication or information to my person. the imperative decision to take that money away from me.
I sold some bitcoins from the official website and the payment was via transfer the money came to my account so I released the same As it turns out, in the bitcoins account it now appears that they are scammers, they are dedicated to this. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | FL | 33178 | null | Consent provided | Web | 2018-02-27 | Closed with explanation | Yes | null | 2,827,741 |
2021-01-11 | Checking or savings account | Checking account | Managing an account | Cashing a check | I got offered a job after applying to some site related to my university. A short while after, I was expecting an email to help me out with school, since I did not have any job or anything during the pandemic of Covid-19. So, I took the job offer, and performed the tasks required. I was given two checks by XXXX, my employer. When they deposited, I found out that they were a scam. By then, I had sent a total of {$3500.00} to XXXX XXXX, one of his customers.
Today, I write to the Consumer Financial Protection Bureau to help me recover my losses. I have contacted Bank of America about my issue, but they have not done anything to help me. I was left extremely damaged within and find it hard to get through this adversity to this day. Bank of America rejected the checks XXXX had given me. In the next paragraph, I will specify the details more clearly.
On XX/XX/2020, XXXX sent me a check via mail with a balance of {$1400.00}. This is what I deposited to my checking account that day. With this money, I sent {$990.00} to XXXX XXXX. This was done through XXXX. Later through the week, another check was sent to me, this time it was a check of {$2400.00}. On XX/XX/2020, this check was deposited to my checking account. With this, I was told to send {$2500.00} to XXXX XXXX. I did this on XXXX. On XX/XX/2020, Bank of America declined the checks, leaving me with a negative balance. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | TN | 37363 | null | Consent provided | Web | 2021-01-11 | Closed with explanation | Yes | null | 4,061,842 |
2023-07-25 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | Debt : XXXX Date Posted : XX/XX/ Illegally submitted medical bill on credit and did not send a bill for payment due. | null | W&A Intermediate Co., LLC | NC | 27105 | null | Consent provided | Web | 2023-07-25 | Closed with explanation | Yes | null | 7,294,692 |
2022-09-19 | Credit card or prepaid card | Store credit card | Getting a credit card | Card opened as result of identity theft or fraud | Yesterday i received an XXXX alert about an AAFES credit card account was opened in my name. They verified the account information and noticed it was not accurate information. I contacted the company and they closed out my account because I didnt apply for this card. I was then told to contact XXXX to file a fraud dispute.
I contacted XXXX who documented my report of fraudulent activity. Locked my account and advised me to file a police report or FTC report for fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Army and Air Force Exchange Service | GA | 301XX | Servicemember | Consent provided | Web | 2022-09-19 | Closed with explanation | Yes | null | 5,994,880 |
2018-02-13 | Student loan | Private student loan | Dealing with your lender or servicer | Trouble with how payments are being handled | My complaint is towards XXXX XXXX and Navient. I have been paying on a {$16000.00} dollar student loan for 13 years, for classes from a for-profit school, XXXX XXXX University. After looking into it theres been some serious mishandling from the beginning. They have not complied with the Servicemembers Civil Relief Act. There is also missing payments. The amount I paid for years is not what they have on file. They have changed the terms of my loan without my permission. Harassing and threatening my co-signer, by making false accusations that I was not making the payments when I was. Scared her into making payments. Sending me and my co-signer statements with different balances. Those are just a few of the many issues Ive had in the past 13 years and Ive had enough. When I got out of school and couldn't find employment XXXX XXXX refused to help me in any way. I decided to join the military on XX/XX/XXXX because I wanted to serve my country and the incentive of the Service Members Civil Relief Act. It caps interest rates at 6 % on pre-existing loans and looked like the answer to get out of student loan debt quickly. I contacted XXXX XXXX on XX/XX/XXXX and provided them with proof of my XXXX XXXX service. XXXX XXXX lowered my payments but raised my interest rate soon after. But with me being a young adult with not a whole lot of experience with debt and loans, all I saw was a cheaper payment and continued with the impression everything was going the way it was required to. I also contacted them about the debt relief program, I was told my loans did not qualify. I lost all hope in ever getting it paid off in a reasonable amount of time. I'm so sick of this burden, it is a constant reminder of a bad decision I made to chase a dream that only became a nightmare. On XX/XX/XXXX my mother cosigned on a student loan through XXXX XXXX XXXX XXXX XXXX XXXX program, for the amount of {$16000.00}. We were advised by XXXX XXXX 's financial aid administrator to receive our student loans through XXXX XXXX 's program. On XX/XX/XXXX my mother received a Past Due notice. This payment was not past due. Also in my mothers past due bill under Principal Balance it says only {$16000.00} was left on the loan. On the same past due statement I received, shows the Principal Balance to be {$18000.00}. You will see from just a few of the many documents I have, that there is something seriously wrong. First attached are the faxes from XXXX XXXX acknowledging my XXXX XXXX service in the XXXX. Then the contract for {$16000.00}. Following a few billing statements showing my payment history. These show many examples of the higher payments my mother was paying, that does not coexist with Navients payment account history. One statement shows, a last payment received on XX/XX/XXXX in the amount of {$200.00}. Now when I go into the loans account history with Navient it shows only {$140.00}. This type of mishandling goes on and on. Then you will find just a few of my payment stubs to show that payments my mother made are completely missing from the account history. Ive included one of the checks made out to XXXX XXXX on XX/XX/XXXX. In the amount of {$210.00}. Navient shows nothing in that amount for the time frame. I believe for profit schools like XXXX XXXX University and student loan providers like XXXX XXXX and Navient, designed these programs to fail so they could make huge profits. Now that I have a service connected XXXX through the military and live on a very tight budget. I've paid XXXX XXXX and Navient almost three times the costs for an unaccredited education from a school designed to make a profit off the youth of our country. I held my part of the contract and they did not. I think its only right to receive a full refund, plus interest, for all the pain me and my family has had to put up with for numerous years. | null | Navient Solutions, LLC. | VA | 244XX | Servicemember | Consent provided | Web | 2018-02-13 | Closed with explanation | Yes | null | 2,813,089 |
2022-03-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | .Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.
These are the items I demanding to be deleted immediately Chapter XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record | null | LEXISNEXIS | IL | 60639 | null | Consent provided | Web | 2022-03-17 | Closed with explanation | Yes | null | 5,335,459 |
2019-12-17 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | HARVARD COLLECTION SER accounts # XXXX Balances {$910.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel | null | Harvard Collections, LLC | FL | 33462 | null | Consent provided | Web | 2019-12-19 | Closed with explanation | Yes | null | 3,470,413 |
2022-10-06 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | Complaint : very, very poor customer service response to simple request to change date of automatic payment I am a XXXX-year old Senior lady on fixed income who is unable to pay the monthly charges on Chevron-Texaco credit card # XXXX XXXX XXXX XXXX, exp. XX/XX/XXXX due to unexpected expenses. The name on the card is XXXX XXXX XXXX. After conversation with a lady Customer Service Representative named " XXXX on XXXX XXXX, XXXX, '' we both decided to close the account and I would repay the Statement Balance : {$7500.00} in monthly payments of {$130.00} from my checking account, due on the XXXX of the month until paid in full ( about 60 months ). My daughter, XXXX XXXX XXXX, will share the payments as she was a user of the card, splitting the monthly bills.
As it would be easier in planning a monthly budget, I decided to change the payment date from the XXXX to the XXXX of the month. Today, XXXX XXXX, XXXX at around XXXX XXXX XXXXXXXX XXXX time I called Chevron-Texaco at XXXX XXXX ) XXXX and got a female-voiced robot that had trouble understanding me when I asked to speak to an " agent '' " representative, '' " human being, '' etc. The only way I could get the robot to connect me to a person was to use some bad words.
The robot connected me to a woman who gave me her name which I forgot to note. She had a foreign accent and was working from home as I could hear a dog barking in the background. I asked her to change the payment date from the XXXX to the XXXX and she was only able to change it for XXXX. Apparently, XXXX XXXX XXXX XXXX was NOT her first or XXXX language and even though I made my request very clear, she failed to comply with my wishes, blaming the " system '' as a phony excuse. I am sorry to say, I was not very polite to her because I was angry that instead of trying to fix the problem, she gave me excuses instead. She had the nerve to tell me to " call tomorrow '' when I was within the time Customer Service is available on week days ( XXXX XXXX. to XXXX XXXX XXXX ). I ended the call by hanging up.
I feel I have a legitimate complaint against Chevron-Texaco customer service because : 1. ) A non-human robot continuously ignored and interrupted me, refusing to understand my request to speak with a person until I used bad language.
2. ) When finally connected to a person, I got an individual who used one excuse after another to explain why she could not make a simple change. I am not asking for a reduction in payment, but just a change for the automatic withdrawal from the XXXX to the XXXX of each month.
If you wish more information, please call me at ( XXXX ) XXXX and follow the instructions of my phone robot ( placed on the phone as I was getting up to 10 junk calls a day ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NV | 89031 | Older American | Consent provided | Web | 2022-10-24 | Closed with explanation | Yes | null | 6,058,120 |
2017-10-30 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Problem with a company's investigation into an existing issue | Investigation took more than 30 days | Tried to secure a " refund '' check for {$85.00} from XXXX for an over payment of my bill for over 35 days without resolution.
The XXXX Billing Department refers me to XXXX Department who refers me back to Billing Department. One unnamed XXXX XXXX. agent on XXXX XXXX, XXXX tells me it 's their error and a refund check will be issued by their XXXX Department " within a few weeks ''.
Then today, on XXXX XXXX, XXXX, 35 days after initial contact via email, the same unnamed XXXX XXXX. agent tells me " check refunds can take up to 10 weeks to receive '' while also telling me the XXXX XXXX. " requested a refund '' on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX.
It appears the XXXX XXXX. and or XXXX XXXX. at XXXX are not doing their job in issuing refund checks in a timely manner and should be investigated immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91360 | Servicemember | Consent provided | Web | 2017-10-30 | Closed with explanation | Yes | null | 2,715,837 |
2023-03-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$430.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 206XX | null | Consent provided | Web | 2023-03-25 | Closed with non-monetary relief | Yes | null | 6,749,707 |
2022-07-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter on XX/XX/2022 to remove XXXX XXXX Bankruptcy Reference # XXXX Liability : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any account or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # XXXX & I am including it again. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23224 | null | Consent provided | Web | 2022-07-22 | Closed with non-monetary relief | Yes | null | 5,798,478 |
2023-02-16 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | XX/XX/XXXX Subject : Disputing Information in Credit Report and Complaint to Debt Collector Tactics Recently, a debt collector obtained collections for debts I allegedly owe to a hospital. I replied to all of their communications with certified letters and after reviewing their validation letter I found the debt to not be mine or accurate. Despite information regarding my health insurance out-of-pocket max, having health insurance at that time, and requesting that if they do send it to the credit bureaus to inform them it is in dispute, Wakefield and Associates LLC reported these amounts to the credit bureaus and in one case they did not report it as being in dispute, the one for original creditor a hospital.
Again in regards to the a hospital collection claim, Wakefield and Associates never sent me a letter of the collection, this just went straight to being reported to the credit bureaus. They failed to respond to my inquiry regarding their license status or if this was bought from another collection agency. They also have declined to fully disclose information regarding this debt per my requests. Is there a judgment on this? If so where is it?
I am disputing all XXXX collections made by Wakefield and Associates, XXXX to the credit bureaus, account numbers XXXX, XXXX, XXXX, and XXXX as they are inaccurate, and filing a complaint that Wakefield and Associates violated the Fair Debt Collection Practices Act ( FDCPA ). The following are the four alleged debts from XXXX.
XXXX. Account name WAKEFIELD & ASSOCIATES I a. Account number XXXX b. Original balance {$630.00} c. Date opened XX/XX/XXXX.
d. Original creditor a hospital XXXX. Account name WAKEFIELD & ASSOCIATES I a. Account number XXXX b. Original balance {$390.00} c. Date opened XX/XX/XXXX.
d. Original creditor a hospital XXXX. Account name WAKEFIELD & ASSOCIATES I a. Account number XXXX b. Original balance $ c. Date opened XX/XX/XXXX d. Original creditor a hospital XXXX. Account name WAKEFIELD & ASSOCIATES I a. Account number XXXX b. Original balance {$22000.00} c. Date opened XX/XX/XXXX d. Original creditor a hospital The debt collector, Wakefield, and Associates, LLC, obtained this debt for collection. I received letters from the debt collector stating I owed a hospital and a hospital the following amounts over three letters. The letters regarding the debt ; XX/XX/XXXX with reference number XXXX and account number XXXX, XX/XX/XXXX with reference number XXXX and account number XXXX, and XX/XX/XXXX with reference number XXXX and account number XXXX. I replied to each one of these collection letters requesting debt validation via certified letter.
They replied to my validation request in one letter on XX/XX/XXXX which included an account details statement with four amounts which included the three amounts they sent letters regarding and an additional one they added at this time and that I had not received in a collection letter or any other form of communication until this letter. Also included were invoices that do not appear to be originals from hospital but invoices created by Wakefield & Associates ; I believe this because I receive invoices from hospital and they look nothing like those. I can not comment on hospital invoices as I never received one. These invoices had amounts throughout XXXX that do not correlate to any visits with hospital or hospital. I replied via certified letter on XX/XX/XXXX that this debt is not mine and how I came to this conclusion. I also requested that if they still believe the debt to be mine to provide tangible proof that would make me believe it.
Enclosed is the following documentation supporting my complaint ; my credit report ( redacted ) with the mistakes I want to be fixed enclosed in red boxes, proof of my insurance status via my Medical Member ID card, medical claims exported from my XXXX XXXX accounts page dating back to XX/XX/XXXX, scanned copies of the collection letters, scanned copy of the validation letter, copies of my request for validation letters, copy of my reply to the validation letter, and discharge documentation from a hospital ( redacted ).
Based on my out-of-pocket max alone, it would not be possible to owe what they believe I owe. Please investigate this matter. | null | W&A Intermediate Co., LLC | AZ | 85029 | Servicemember | Consent provided | Web | 2023-03-13 | Closed with explanation | Yes | null | 6,580,629 |