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2020-03-19 | Credit card or prepaid card | General-purpose credit card or charge card | Struggling to pay your bill | Credit card company won't work with you while you're going through financial hardship | i called citi bank collection dept today XXXX XXXX and asked for assistance from them regardin monthly payments for my two credit cardss specifically during this time that i am suffering from income disruption brought about by this public health issue triggered by this corona virus. I am asking for payment suspension for 90 days while this public health issue is ongoing. They refused to grant me this assistance instead they keep on telling me that there is nothing they can do to help me and that if i miss my payments my account will charged off and wil go to a collection company. I just feel that Citi bank should consider the current hardship their consumers are suffering from because this current public health issue is totally unexpected and therefore consumers will have difficulty making their monthly payments. I am complaining about how this Citi bank is not giving any consideration to the problems their consumers are suffering from specifically income disruption brought about this public health issue. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 91311 | null | Consent provided | Web | 2020-03-19 | Closed with explanation | Yes | null | 3,572,462 |
2023-09-30 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} CITI XXXX XXXX Owed : {$1500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | WI | 54956 | null | Consent provided | Web | 2023-09-30 | Closed with non-monetary relief | Yes | null | 7,628,897 |
2018-08-31 | 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 | XX/XX/18 credit report ran from XXXX XXXX XXXX in error XX/XX/18 credit report ran from XXXX XXXX XXXX in error i have contacted XXXX XXXX and various credit report agencies, transunion and XXXX and havent received any help. It has lowered my score XXXX points | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 37311 | null | Consent provided | Web | 2018-08-31 | Closed with explanation | Yes | null | 3,007,784 |
2023-07-31 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account. | null | EQUIFAX, INC. | TX | 76132 | null | Consent provided | Web | 2023-07-31 | Closed with non-monetary relief | Yes | null | 7,329,022 |
2021-06-14 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | XX/XX/XXXX XXXX was contacted by Midland Credit Management using unknown number person on phone was XXXX XXXX XXXX this was the first phone call from them they purchased my credit card past due from XXXXXXXX XXXX. Was told I must make a payment today or other action would have to be taken after a little while of going back and forth informing them I did not have the funds he had scared me enough that I said I could do XXXX $ payment today. he said he had to speak with manager to see if it would be ok manager approved and he sit me up on a plan but it was never disclosed to me at anytime this would be sit up for continued auto withdrawls he left me understanding I would be making monthly payments but not auto payments. He told me i must get email and follow directions to accept so i did but when I went to make the {$10.00} payment it sit up payments through XXXX. I did not agree to monthly auto drafts. I agree I owe the money and will do my best to pay the debt but I was only paying XXXX for the month of XX/XX/XXXX. I went to a chat with a representative. He or She since they were using another name and admitted to that due to NC LAw would not help correct the issue. Mr XXXX harassed me for 18 min.misleading me on the additional measures they will take to get there money stating that I would have to pay in full on the day it was demanded. Then I agree and make the 1 time payment of 10 and they fraudulently use the banking information I used to set up payment through XXXX. Went to chat and asked for help at XXXX and rep. XXXX XXXX XXXX XXXX XXXX would not help and told me to call back next day. ( saved copy of chat ) | null | ENCORE CAPITAL GROUP INC. | NC | 284XX | null | Consent provided | Web | 2021-06-14 | Closed with explanation | Yes | null | 4,458,542 |
2022-12-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | FL | 33189 | null | Consent provided | Web | 2022-12-20 | Closed with non-monetary relief | Yes | null | 6,337,690 |
2019-08-20 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Unexpected increase in interest rate | I am the primary card holder of a CapitalOne Quicksilver Mastercard. In XX/XX/XXXX, I saw a balance transfer offer in the CapitalOne My Account section for my Quicksilver Mastercard. It was an 18-month balance transfer offer, with a 0% APR and 3% establishment fee. I requested a “No Hassle Check” in the mail to receive the $XXXX in funds. The letter included beside the check reaffirmed the terms: 12 months 0% APR, and a 3% fee. I cashed the check and was charged a $XXXX fee (3%) on XX/XX/XXXX.I hoped to see the terms of the balance transfer on my next statement, but they did not appear there. However, a 0% offer was clearly applied, as I was not charged interest on my $XXXX balance for the next few months.However: on my statement issued in XX/XX/XXXX, I was surprised to see a large interest charge for $XXXX, and my $XXXX balance apparently now subject to a 19.74% APR. By the time I could pay off the full balance on XX/XX/XXXX, I had accrued these interest charges, charged after the transition from the 0% APR to the 19.74% APR:XX/XX/XXXX $XXXXXX/XX/XXXX $XXXXXX/XX/XXXX $XXXXXX/XX/XXXX $XXXXXX/XX/XXXX $XXXXXX/XX/XXXX $XXXXA total of $XXXX in interest charges.In XXXX of last year, I attempted to get in contact with CapitalOne, first at a branch and then via mail, noting that the early expiration of the 0% APR offer was an error, and that CapitalOne had breached the terms of the balance transfer offer and charged me interest by mistake.However, I received a confusing response on XX/XX/XXXX: “the only offer regarding a balance transfer was not by check and the interest rate was the same as the purchase rate. This offer also included a 3% balance transfer fee”.This is incorrect. I did not use a random check that came in the mail with a standard purchase rate APR offer. I vividly remember going online, selecting the check, waiting for the check and cashing it at a particular bank branch, as I wanted to ensure I paid all my credit card balances in full so as not to accrue interest.Beyond my own memory, the letter suggests that I should have been charged “purchase rate” interest from XX/XX/XXXX onwards — which I wasn’t. The letter would suggest that it was a bank error in my favour — and not the reality, which is that my 12 month 0% offer was erroneously ended after approximately six months of a 0% APR period.I am still seeking a correction of this early expiration of my balance transfer offer. To resolve the situation, I request that my $XXXX in interest charges be refunded to me, either as a card account credit or a check issued to me. Before submitting this complaint, I called customer service in an attempt to resolve the situation and respond to the letter. The representative did her best with the information I provided, but could not find the terms of the balance transfer offer I agreed to in XX/XX/XXXX, stating that the system did not store information more than a few months old. She was able to uncover the “offer code” I used, which may have some value in CapitalOne’s further research: XXXX.After the lack of a useful response via phone, I decided to communicate in writing. I submitted the above request in a written letter to CapitalOne Customer Service XXXX XXXX XXXX in XXXX XXXX XXXX first on XX/XX/XXXX, then the same letter again on XX/XX/XXXXusing certified mail when there was no response. I received a short letter on XX/XX/XXXX that my request was being investigated, but after months of no further correspondence, I sent a letter on XX/XX/XXXX asking for an estimated time they might reply. On XX/XX/XXXX, I received a letter claiming "we are unable to fulfill your request through written correspondence", and a request to call their customer support number.I am now submitting a CFPB complaint as I do not think they will respond to my request otherwise. | null | CAPITAL ONE FINANCIAL CORPORATION | NY | 10040 | null | Consent provided | Web | 2019-08-20 | Closed with explanation | Yes | null | 3,347,905 |
2022-10-03 | 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 reviewed my credit report and noticed someone was using my identity fraudulently. I contacted the credit bureaus and the credit companies, Ive explained that those accounts werent mine and i opened a dispute. The company conducted an investigation but nothing was done to fix the problem. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33127 | null | Consent provided | Web | 2022-10-03 | Closed with non-monetary relief | Yes | null | 6,043,416 |
2022-09-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXXXXXX XXXX, in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan late for any purpose. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | XXXXX | Servicemember | Consent provided | Web | 2022-09-27 | Closed with non-monetary relief | Yes | null | 6,024,611 |
2023-04-15 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | XXXX ( a Wells Fargo Credit Card / Financial product ) runs a fraudulent " rent payment '' program via its mobile application platform. For now two months in a row, I used their platform to issue a rent payment to my landlord. The rent in question is {$6500.00}.
- On XX/XX/2023, I initiated the {$6500.00} rent payment on the XXXX XXXX. XXXX withdrew via ACH, on XX/XX/2023, from my XXXX bank account, the amount in full.
- On XX/XX/2023, XXXX charged my XXXX credit card, without my consent and authorization, and fraudulently, for {$6500.00}. I noticed the charge a few days thereafter, reached out to customer service and they agreed to remove the charge. Had I not noticed the charge, XXXX would have enriched itself fraudulently by double charging me for rent.
- The additional, fraudulent charge of {$6500.00} on my credit card statement caused a precipitous decline in my credit score, for overusage of credit lines ( the document attached shows my credit score being reduced by over XXXX points, and my credit usage at 333 % due to this charge ). Since this charge is fraudulent, and not my responsibility, I demand that XXXX rectify the disastrous effects this has placed to my credit score, my ability to secure credit, and the work it will require to rebuild my credit to satisfactory levels.
- On XX/XX/2023, I initiated a the same {$6500.00} rent payment on the XXXX XXXX. XXXX withdrew via XXXX, on XX/XX/2023, from my XXXX XXXX account, the amount in full.
- Unbelievably, on XX/XX/2023, XXXX charged my XXXX credit card again, without my consent and authorization, and fraudulently, for {$6500.00}. I am in the process of getting this charged removed.
It is clear, based on two months of evidence, that XXXX operates a fraudulent " rent payment '' scheme and the CFPB should intervene, stop the program, and ensure that every person who used it has not been double charged. The CFPB should demand full accountability, and damages to every renter affected. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | VA | XXXXX | null | Consent provided | Web | 2023-04-15 | Closed with explanation | Yes | null | 6,842,841 |
2018-12-17 | 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 have reached out to XXXX XXXX XXXX to send me Validation of this account. not verification but Validation with my original contract with my signature on it. This company is highly negative on my credit report. I am request that they remove this account from my credit report. I called XXXX and spoke with XXXX on XX/XX/2018he informed me that this company no longer have information on this account that it was sent to a collection agency. Please remove this unverifiable account immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92345 | null | Consent provided | Web | 2018-12-17 | Closed with explanation | Yes | null | 3,102,362 |
2022-03-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I would like to note that XXXX XXXX has been harassing me within the last month. They have been excessively reporting derogatory information to the credit bureaus.
Most companies have a reporting schedule in which they report monthly, but XXXX has reported 4 times to the credit bureaus between XX/XX/2022 and XX/XX/2022. This is less than a month 's period. I have attached proof.
Attached is the record of times that XXXX has reported negative information to my credit bureau. This violates Fair Credit Reporting Act and this is a bullying tactic, in addition to the other tactics they use, to extort money out of citizens.
XXXX has reported to my credit on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Please see the attached.
Thank you.
XXXX XXXX | null | EQUIFAX, INC. | GA | 30092 | Servicemember | Consent provided | Web | 2022-03-05 | Closed with explanation | Yes | null | 5,289,832 |
2022-01-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This account is inaccurate and an FCRA violation. XXXX. XXXX XXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33610 | null | Consent provided | Web | 2022-01-05 | Closed with explanation | Yes | null | 5,075,919 |
2021-06-10 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Don't agree with the fees charged | I attended XXXX XXXX that has since closes in XXXX VA and was told that they would soon have the accreditation that would transfer by the time I graduated. I am a veteran and had my entire tuition paid for except for a total of XXXX that I paid back in full. Years after graduation, I was told that a loan for the exact same amount on the same days was taken out for a campus in Florida. I contacted the Florida campus and talked to the XXXX who assured me that I have never been enrolled on campus or online. I have filed a Borrower 's document for protection. | null | Navient Solutions, LLC. | VA | 201XX | Servicemember | Consent provided | Web | 2021-06-10 | Closed with explanation | Yes | null | 4,449,461 |
2023-06-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Debt included in or discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update.
XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update.
XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update.
XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update.
XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update.
XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update.
XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE. Can you delete this ASAP and send me and update. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10452 | null | Consent provided | Web | 2023-06-19 | Closed with explanation | Yes | null | 7,138,438 |
2023-08-26 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 11432 | null | Consent provided | Web | 2023-08-26 | Closed with explanation | Yes | null | 7,458,586 |
2022-11-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | SafeRent Solution XXXX has assumed a role as a credit reporting and screening company. Were uses be rental agencys submitted a report to XXXX XXXX XXXX suggesting my leasing application be denied based on the report generated by them.
Data within their report is incomplete and displayed in a misleading way. It appears as if I have an open judgement from 2015 for eviction with a balance of {$4200.00}. This report omits disposition data.
This is inaccurate and harmful reporting which has caused me harm as with ANY one considering leasing to me would certainly decline the application. Which is exactly what XXXX XXXX XXXX did at the recommendation of this third party company, SafeRent XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Park Hill Holdings | GA | 30281 | null | Consent provided | Web | 2022-11-13 | Closed with explanation | Yes | null | 6,190,870 |
2022-03-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have 2 open cases with XXXX Fraud Department that is not being handled professionally by XXXX. My account was hacked and they changed mailing address and contact info in the system without my knowledge. This is an ongoing issue dating back from XXXX XXXX and separate transactions dating into XXXX. I opened a police report with the XXXX, NJ Police Department - XXXX ( Police Report Attached ). Case # XXXX. Detective XXXX XXXX Date Opened : XX/XX/XXXX.
1 ) XXXX XXXX ( {$1000.00} ) - I never initiated the transaction to XXXX XXXX Case # XXXX on XX/XX/XXXX. I wrote to XXXX XXXX who provided no assistance. I then went to XXXX who is also not helping. It maybe a simcard swap issue as I never initiated the transaction or do not know this individual.
2 ) Case # XXXX Acct # XXXX Fraudulent Transactions Below : XX/XX/XXXX {$99.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$44.00} ( Possibly my XXXX XXXX Loan however debit block was lifted by hacker and shouldnt have been charged to this account ) The fraudulent mailing address that was used was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ . The XXXX XXXX XXXXd that the fraudulent transaction was sent to was $ XXXX who I do not know or had any interaction with.
Please urgently contact XXXX and assist me with getting these fraudulent transactions cleared. I have since suffered medical issues due to the way its being handled by XXXX. Please note I am a victim of identity theft and XXXX is providing no assistance or evidence why they reject the claim.
My last conversation was with XXXX XXXX XXXX XXXX XXXX ID # XXXX ) Citi Fraud Dept : XXXX -- -- -- -- -- -- -- -- -- FTC Case ID : XXXX -- -- -- -- -- -- - XXXX Banking Dept Complaint # XXXX -- -- -- -- -- - XXXX Your Confirmation Reference Number is : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 08857 | null | Consent provided | Web | 2022-03-21 | Closed with non-monetary relief | Yes | null | 5,346,023 |
2022-12-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | So for the last year, I have been sending you documents and documents to each of the credit bureaus ( XXXX, XXXX, Equifax ) regarding my name, address, and phone number is incorrect on my credit file. Because of this, I've lost deposits on homes, the ability to obtain business and personal loans, credit cards, and employment. I want you to correct my name and address on my credit file.. I am also seeking damages for lost income and lost the ability to obtain housing and consumer credit. My correct name is XXXX XXXX. I've never gone by any other name or variation of my name. Any attempts to procure credit under my name is fraudulent. My identity has been stolen multiple times and many variations of my name have been used. My Name is XXXX XXXX this is the only name I go by. My XXXX address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove any other name or name variations and addresses or address variations from my file. Only leaving the aforementioned. | null | EQUIFAX, INC. | NY | XXXXX | null | Consent provided | Web | 2022-12-01 | Closed with explanation | Yes | null | 6,266,649 |
2018-06-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | Submitted dispute # XXXX with Experian to correct date of birth. Was informed dispute was completed, and results available on Experians website, my account. When I accessed my account, was informed results were not available online, and to call a phone number for results. Calling that phone number, I was told to check online. Run-around! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | 455XX | Older American, Servicemember | Consent provided | Web | 2018-06-01 | Closed with explanation | Yes | null | 2,923,965 |
2022-09-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Here is the list of items which do not belong to me or were opened without my permission.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | SC | 29407 | null | Consent provided | Web | 2022-09-24 | Closed with non-monetary relief | Yes | null | 6,013,237 |
2022-01-08 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | I received a phone call indicating that I owed a debt that was paid two years ago. I had to check my records to validate the payment. I tried to contact the company again ( within 30 minutes of checking ) and the phone number was fictitious. I then tried to check the website and it was fake as well. I reported the incident to the FTC and then thirty days later I received a bill from Jefferson Capital indicating that I still owed this debt that was paid off. the bill is attached. | null | CL Holdings LLC | VA | XXXXX | Servicemember | Consent provided | Web | 2022-01-25 | Closed with explanation | Yes | null | 5,085,377 |
2018-02-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | First Bank Puerto Rico ( the bank ) offered a forbearance to their customer after Hurricane Maria. The bank reported me as delinquent on XX/XX/XXXX, however, the bank did not notice that I had made payments on XX/XX/XXXX for {$200.00} and {$180.00} on XX/XX/XXXX.
My loan was up to date when they reported me, furthermore, I paid off the loan entirely on XX/XX/XXXX I made a payment for the full balance and today XX/XX/XXXX they reported me once more.
It seems the bank does not have adequate monitoring and reporting procedures and this is leading to a deceptive and abusive practice.
What first bank is doing to its customer in XXXX XXXX is abusive and deceptive specially after the events of Hurricane Maria.
Also, I want to report another abusive activity related to the interest charge during the Maria Forbearance which were much higher than the agreed rate. | null | FIRSTBANK PUERTO RICO | PR | 009XX | null | Consent provided | Web | 2018-03-05 | Closed with explanation | Yes | null | 2,817,068 |
2019-09-06 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | City National charged interest fee on two of my accounts on XX/XX/XXXX, one for {$18.00} and {$1.00}. The problem was I made the payment on-time or so I thought as always on the XX/XX/XXXX of every month, which has been my due date for the past few years since I've been with them. For some reason City National changed the due date to the XX/XX/XXXX on all of my account without prior notice and I just found out when I saw the interest charge. I contacted City National and the agent refused to credit me the interest fees. It would've been fair without prior notice and reminder for the new due date then I would've paid on time and avoided interest. Companies can't just suddenly change payment due date and catch people off guard then charge interest on us. | null | CITY NATIONAL BANK | FL | 33486 | null | Consent provided | Web | 2019-09-06 | Closed with monetary relief | Yes | null | 3,366,152 |
2022-04-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30349 | null | Consent provided | Web | 2022-04-26 | Closed with non-monetary relief | Yes | null | 5,500,891 |
2023-05-30 | Checking or savings account | Checking account | Managing an account | Fee problem | On XX/XX/2023, bank charged me a statement fee. On the previous statements no such fees were charged, and no communication was sent to me that such a fee will be charged on the next month statement.
They have some sort of a policy that if I am enrolled into their smart rewards, I will not be charged a statement fee. I have been enrolled in this program since XXXX but was not charged a fee until I received the latest statement from XXXX which showed the fee in one of the transactions.
Also, the fees are shown as one of the transactions under withdrawal. I think they should have shown me the fees charged Year to Date separately so that it is quite visible and clear.
Contacting them is super difficult. One can only contact them via phone and no email. On phone the customer service agent when asked to file a complaint, seemed to justify fees rather than instruct me with directions on what happens when such a complaint is filed.
They did not even honor correcting their mistake or crediting me the fee amount. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | IL | 60061 | null | Consent provided | Web | 2023-05-30 | Closed with explanation | Yes | null | 7,044,612 |
2021-12-01 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | 08 CAPITAL ONE BANK USA N A XXXX XXXX/XXXX/2021 {$430.00} | null | CAPITAL ONE FINANCIAL CORPORATION | GA | 30349 | null | Consent provided | Web | 2021-12-06 | Closed with explanation | Yes | null | 4,967,168 |
2022-11-29 | 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/XXXX to 3 Credit Bureaus to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$630.00} XXXX XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 | Experian Information Solutions Inc. | FL | 34746 | null | Consent provided | Web | 2022-11-29 | Closed with explanation | Yes | null | 6,250,753 |
2020-09-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | TransUnion and XXXX are fraudulent on my following accounts : XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 601XX | null | Consent provided | Web | 2020-09-29 | Closed with explanation | Yes | null | 3,871,370 |
2023-10-19 | Credit card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Confusing or misleading advertising about the credit card | I had an account with Fortiva - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I closed that account a few months ago. I was asked recently if I wanted to appy for a new account, of which I asked may I just have the old account reopened. I was told that would not be a problem and for a fee of {$25.00}, I could have a card expidited to me. I took the offer. When I received the card, I activaitated it and as you can see from the enclosed images, it said teh card is ready for use. I tried multiple times, to use the card, I called Fortiva, multiple times to discuss this. Enclosed are just a couple of nmany examples of the result of those calls. Eventually and multiple times after, I was told, that becaused my account was just reopened, I had to wait 30 days to use it or a full billing cycle. I repeatedly asked, where was that disclosed and why was I charged a fee, for a product that Fortiva and others knew, was of no value, as advertised. Each agent I spoke with, had no idea - no answer.
I called, XXXX XXXX XXXX XXXX, they did not have an answer, I asked to speak with a supervisor, no answer, one was not abke to speak with me and never called me back.
I called XXXX, their CEO, XXXX XXXX, XXXX XXXX, their CFO and XXXX XXXX, their Compliance manager. Neither of them took my call or returned my calls. To date, my matter is still unresolved.
They also did a hard pull on my credit report which lowered my score and showed I had more credit, than I really did. | Company believes it acted appropriately as authorized by contract or law | Atlanticus Services Corporation | AZ | 85023 | null | Consent provided | Web | 2023-10-19 | Closed with explanation | Yes | null | 7,727,697 |
2018-07-16 | Debt collection | Credit card debt | Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | On Friday, XX/XX/XXXX, I called and spoke to a representative from Portfolio Recoverys legal department, to inquire about the balance on a XXXX account # XXXX. The representative stated that as a result of a default judgment that occurred on Monday, XX/XX/XXXX, at the XXXX Civil Court, the balance owed would be {$1300.00}.
I informed the representative that at no time did I receive, or was I served a summons for the above-mentioned account, at my current address XXXX XXXX XXXX XXXX, NY XXXX. I have been living at this address since XX/XX/XXXX. This is the same address that XXXX had on record as of XX/XX/XXXX, and was the same address when Portfolio Recovery purchased the account on XX/XX/XXXX.
Portfolio Recovery filed a lawsuit against me, and obtained a default judgment, knowing my current address, but failed to personally serve me, or even mail me a copy of the summons. I had no idea Portfolio Recovery filed a lawsuit against me, or the outcome until 3 days ago.
From what I understand, this is a violation of the Fair Debt Collection Practices Act. ( FDCPA ) This collection account is also reporting inaccurately on my credit report, which is a violation of the Fair Credit Reporting Act. ( FCRA ) I am hoping to resolve this issue without having to obtaining legal counsel to have the default judgment vacated, and file a countersuit. | null | PORTFOLIO RECOVERY ASSOCIATES INC | NY | XXXXX | null | Consent provided | Web | 2018-07-16 | Closed with explanation | Yes | null | 2,964,328 |
2020-03-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I disputed multiple accounts that started last XX/XX/2019. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB. | null | EQUIFAX, INC. | TX | 75078 | null | Consent provided | Web | 2020-03-09 | Closed with explanation | Yes | null | 3,559,951 |
2022-09-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.
1. Identity Theft XXXX XXXX XXXX Case Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX This account has unverifiable and incomplete information please remove this from my credit report 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove from my credit reports balances are Incorrect and Unverifiable Information please remove Immediately per FCRA. 10. The following status of this account is incorrect and incomplete XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 11. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 12. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 13. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 14. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 15. The following status of this account is incorrect and incomplete and is reporting in accurate balances XXXX Account XXXX : XXXX Please remove it from my credit report. 16. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 17. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 20. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | AZ | 85308 | null | Consent provided | Web | 2022-09-13 | Closed with explanation | Yes | null | 5,971,981 |
2023-07-18 | Checking or savings account | Checking account | Managing an account | Banking errors | Good afternoon, following my 2 former complaints in the last 3 months, I still have the same issue from Chase since the beginning : despite having XXXX $ on my account, Chase keeps charging me monthly fees today ( statements attached ). So I am still need the help of CFPB to fix it please. Thank you. Regards. XXXX XXXX Historical Reminder : Good afternoon, in XXXX, I created my company XXXX XXXX and I needed to open a Business account. So I chose Chase because they had an offer when you did a deposit of XXXX XXXX you did not have to pay monthly fees for new Business account. Beginning of XXXX, I have started receiving monthly fees to pay with no notification from Chase that they changed their rules of having now a minimum of XXXX $ of deposit. So I had an appointment in XX/XX/XXXX to explain the situation with my contact at XXXX XXXX Chase branch ( with XXXX XXXX ). She supposed to reimburse the current fees and I had a check of XXXX $ to have a total of XXXX $ as a start. But the next month I have been continuing having fees of XXXX $ per month. I have let several voicemails and emails to XXXX XXXX to understand why I was having ( and still have ) this situation. XX/XX/XXXX I called the Chase Service Center after talking to XXXX different agents, the only answers were : ''Try another branch '', ''Try to have another appointment with the same contact '' or ''we can not help you online ''. My Business account statement from XX/XX/XXXX ( attached ) shows exactly that what I did was supposed to be done but they did not stop de monthly fees. I have no other solution to complete this complain because I do know how to fix this situation which is originally a Chase ' mistake. Today XX/XX/XXXX : I receive an email about the bank account statement availability of XX/XX/XXXX : Once again, with the same error, they started charging me the XXXX $ fee even if my bank account was at XXXX $ in XX/XX/XXXX ( statement attached to this new complaint, with the other documents I attached on my first complaint ). So I would like to have your help again please to fix the same error. Regards XXXX XXXX '' | null | JPMORGAN CHASE & CO. | NY | XXXXX | null | Consent provided | Web | 2023-07-18 | Closed with explanation | Yes | null | 7,260,598 |
2017-05-06 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | On XXXX / XXXX / XXXX ( XXXX ) a bill was charged to my debit card which over drafted my account. It was the only charge that was made that over drafted my account but they still charged me over draft fee 's for every purchase I made for the entire week prior which totaled to well over {$200.00}. Then the next day my paycheck got deposited but I had no money for food or gas to get to work because the bank stole all of my funds and called it 'fees ' so I had to withdraw some money just to get by which of course because of them it over drafted again so they charged me another {$78.00} in fee 's. There is no reason for them to charge me fees for multiple purchases that I had funds for just because I over drafted one s ingle charge. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BB&T CORPORATION | SC | 291XX | null | Consent provided | Web | 2017-05-06 | Closed with explanation | Yes | null | 2,477,571 |
2022-11-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These was not done nor was it approved by me please have them deleted off of my credit report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33460 | null | Consent provided | Web | 2022-11-11 | Closed with non-monetary relief | Yes | null | 6,187,974 |
2019-04-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | Trans Union reporting to XXXX XXXX removed my XXXX Account from the report which negatively impacted my score by 13 points. There is no reason to remove the account from the report. The account is active, paid on time and had a positive impact on my credit score prior to its removal. There is no explanation as to why this occurred. XXXX indicates it is currently reporting this account to the three credit reporting agencies.
Accounts Removed XXXX XXXX XXXX - Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors.
Between XX/XX/2019 and XX/XX/2019, your credit card with XXXX PERSONAL MASTER was removed from your credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | XXXXX | Older American | Consent provided | Web | 2019-04-24 | Closed with explanation | Yes | null | 3,221,685 |
2021-10-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | I have information on my credit from someone who lives in Texas who is using my identity. This abuse of my identity have me afraid. I am victim of identity theft. I want l security freeze immediately on all 3 bureaus. Please stop the abuse from happening to me immediately. They listed a job a job that is associated with me on my credit report that I know nothing about. Person is also trying to buy a car in my name, please help!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90220 | null | Consent provided | Web | 2021-10-01 | Closed with explanation | Yes | null | 4,772,902 |
2023-07-08 | Checking or savings account | Checking account | Managing an account | Problem accessing account | I believe someone cashed a fraudulent check on my account. I no longer have access to ANYTHING of mine in the account. I got a email saying something about fund available and thats the last Ive gotten about anything. Thank XXXX my account is a backup XXXX account instead of my main checking but I dont see why I cant access my account? I dont even know the issue ( to add to this I believe the fraud may have been done by my roommate who moved out, right after he left now I am having this issue ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 95127 | null | Consent provided | Web | 2023-07-08 | Closed with explanation | Yes | null | 7,219,204 |
2020-09-03 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | In XXXX of XXXX minimum payment was not processed had my account setup on autopay my bank account was never debited on the due date witch resulted in me getting a late payment on my credit file reach out to the company and they told its non thing they could do for me but next month the payment went through with no problem. The late payment is stop me from getting a mortgage for my first home. | null | CAPITAL ONE FINANCIAL CORPORATION | PA | 17701 | null | Consent provided | Web | 2020-09-03 | Closed with explanation | Yes | null | 3,827,567 |
2020-11-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On Monday, XX/XX/2020, I just received in the U.S. mail my " FREE '' annual credit report from " Experian '' credit reporting agency. On " Page 1 of 16 '' it incorrectly states that I owed some company called " XXXX XXXX XXXX XXXX '' $ XXXX as of " XX/XX/2020. '' This is news to me and this $ XXXX DEBT is not mine!!!
I looked for a telephone number on my " Experian '' credit report for this so-called " XXXX XXXX, XXXX '' and " Experian '' also stated on " Page 1 of 16 '' that " No phone # available. '' Of course not, most " scam '' credit collecting agencies ALWAYS have " No phone # available ''!!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 91710 | Servicemember | Consent provided | Web | 2020-11-23 | Closed with explanation | Yes | null | 3,970,523 |
2018-12-01 | 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 some credit inquires in my credit report. 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. | GA | 30096 | null | Consent provided | Web | 2018-12-01 | Closed with explanation | Yes | null | 3,088,727 |
2016-03-20 | Debt collection | Other (i.e. phone, health club, etc.) | Improper contact or sharing of info | Talked to a third party about my debt | Male from collection agency came to my mothers home and issued her paper work regarding my debt.. | Company believes it acted appropriately as authorized by contract or law | Overton, Russell, Doerr and Donovan, LLP | NY | 12180 | null | Consent provided | Web | 2016-03-20 | Closed with explanation | Yes | No | 1,840,923 |
2022-04-12 | 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 | I reviewed my consumer report and I noticed the following accounts are reporting inaccurate and incomplete : 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. | MI | 482XX | null | Consent provided | Web | 2022-04-12 | Closed with non-monetary relief | Yes | null | 5,435,130 |
2022-06-30 | Vehicle loan or lease | Loan | Problems at the end of the loan or lease | Unable to receive car title or other problem after the loan is paid off | XX/XX/XXXX, I paid off the loan for my new travel trailer and printed the confirmation. Their system never generated any further information or confirmation of payoff, so XX/XX/XXXX, I called to ask when my title would be sent. I was told within five business days. After ten days, I had received nothing, so I called again on XX/XX/XXXX. This time I was told 10 to 15 business days and they had no idea where my title was at in line. I called again the next morning to attempt to speak to someone in the " back office '' the previous agent referred to and was told 10 to 15 days, and they had no further information. I called on my lunch break and this time, connected with an agent responsible for processing, who told me ( while on the phone ) that he had cleared the lien, released the title, and was processing it for shipment immediately. He said it would be sent XXXX overnight and I gave him my wife 's phone number for tracking. As of today, XX/XX/XXXX, I have no title, no tracking, and zero confirmation it has even been sent.
I'm currently on hold waiting for a supervisor, because I've just been told by another agent that the title is still sitting in this " back office '' where it hasn't been sent and they're responsible for mailing it. It took multiple attempts to even get her to connect me to a supervisor, and she claims they have no way to actually even connect with this " back office ''.
We are set to travel five hours out of state on XX/XX/XXXX to trade this trailer in XX/XX/XXXX. We can't do that without title in hand. There is no excuse for this kind of delay. This institution has multiple complaints exactly like ours online and its unacceptable. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF THE WEST | TN | 37067 | Servicemember | Consent provided | Web | 2022-06-30 | Closed with explanation | Yes | null | 5,723,379 |
2022-03-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have asked several times for this account to be taken off of my credit report per it is not my account. I have not gotten any documentation to prove this is my account or anything. I've been going through this now for about a year or so now. | Company believes it acted appropriately as authorized by contract or law | Reliable Credit Association, Inc. | OR | XXXXX | null | Consent provided | Web | 2022-03-24 | Closed with explanation | Yes | null | 5,362,959 |
2021-03-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | The following incorrect information and changes on my credit report by TransUnion : 1 ) I noticed TransUnion reported that I was using {$9000.00} out of my {$10000.00} XXXX credit card which was incorrect, my actual credit card usage was under {$500.00}. This discrepancies downgraded my credit score. I reached out to TransUnion to inform them of the mistake, the representative would not provide a clear answer, I felt like he kept going in circles and talking fast in technical terms without ever trying to fix or solve the issue.
XXXX ) A couple of days later they completely removed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account from the report, which then decreased my score by XXXX points. I did not ask for them to remove the card and was never told why they removed it.
3 ) Additional to the XXXX point decrease, TransUnion has chipped away at my credit score XXXX points within the past 2 months stating I missed a credit card payment on my XXXX XXXX XXXX even though I have been paying my credit bills for over 40 straight months. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | DC | 20016 | null | Consent provided | Web | 2021-03-18 | Closed with explanation | Yes | null | 4,224,795 |
2019-01-16 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | This is with respect to interest fees in the amount of XXXX XXXX and XXXX XXXX XXXX ( {$8.00} ) incurred on my CapitalOne Savor card account on XX/XX/XXXX. I have contacted the business concerning these fees after multiple issues with being able to pay my credit card monthly due to issues with the institution 's mobile app and website. I called into the bank with complaints of technical issues on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally on XX/XX/XXXX. The bank admitted to its knowledge of such technicalities with its mobile app and payment processing functions, but refused to reverse the interest fees because it had done so previously. I have a longstanding relationship with this bank, and am shocked at its response. | null | CAPITAL ONE FINANCIAL CORPORATION | PA | 19147 | null | Consent provided | Web | 2019-01-16 | Closed with monetary relief | Yes | null | 3,126,780 |
2021-01-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as XXXX, XXXX and Transunion all accounts listed in Identity Theft which are not mine.Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline.
Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
I look forward to a timely and amicable resolution to this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33160 | null | Consent provided | Web | 2021-01-26 | Closed with explanation | Yes | null | 4,093,564 |
2022-07-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60615 | null | Consent provided | Web | 2022-07-13 | Closed with non-monetary relief | Yes | null | 5,765,707 |
2023-05-02 | 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 second 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 accounts 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 XXXX : {$24000.00} XXXX XXXX XXXX Balance : {$24000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 75228 | null | Consent provided | Web | 2023-05-02 | Closed with explanation | Yes | null | 6,912,712 |
2022-10-23 | 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 confidentially under 15 U.S.C 1681.
XXXX XXXX XXXX Acc No. : XXXX, has violated my rights.
XXXX XXXX XXXX Acc No. : XXXX, has violated my rights.
XXXX XXXX XXXX Acc No. : XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77356 | null | Consent provided | Web | 2022-10-23 | Closed with non-monetary relief | Yes | null | 6,116,296 |
2017-01-20 | Student loan | Federal student loan servicing | Can't repay my loan | Can't get flexible payment options | I attended XXXX XXXX and they set me up with student loans that now belong to Navient. After unsuccessfully finding a job in my field, and no thanks XXXX, I found myself in default and unable to pay my massive loans. I have finally reached a point in life where I can attempt to repay my debt. After negotiating with Navient, I have been sending payment to Navient, but it only covers the interest of my loan. My principle still looms over my head. It was the best deal they could give me I guess. Please help. | null | Navient Solutions, LLC. | NJ | 082XX | null | Consent provided | Web | 2017-01-20 | Closed with explanation | Yes | No | 2,299,491 |
2023-01-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | On XXXX of XXXX, people gained access to my online account and, claiming to be XXXX, XXXX without my knowledge or approval {$10000.00} from my savings account to checking, and then proceeded to " XXXX '' themselves {$5000.00} over XXXX transactions during each of these XXXX days. on the second day when I realized what was happening I contacted XXXX immediately, closed all of my accounts and online access and set up new ones, and had XXXX start an investigation ( XXXX and XXXX for XX/XX/XXXX and XX/XX/XXXX, respectively ). XXXX proactively gave me back the {$10000.00} during the investigation, and eventually came to the decision that the transactions on XX/XX/XXXX were fraudulent, but the transactions on XX/XX/XXXX were NOT, and that I had to pay them back the {$5000.00}. Of course I immediately disputed this decision and appealed this decision multiple times. Every time I appealed, they sent me a letter confirming my appeal, followed by another letter saying they support the original decision. Meanwhile, at no time did any contact me, the branch I went to when this occurred, or seem to do anything different or gather any more information.
Eventually, XXXX then decided to CHARGE ME the {$5000.00} to a Line of Credit account that I didnt even have access to anymore since it was connected to the closed account. Not only did I have no way to pay these accounts online, I never conceded to agree to this charge and had continued to dispute the monies owed. Now, they have charged off the account and sent it to collection for debt that I dont believe I owe, PLUS they have continuously negatively reported on my account as being delinquent when the money owed is in question and dispute. So now it's also screwing up my credit.
After being a customer of theirs for well over 20 years, I'm being treated like garbage and they are ruining my credit over an amount that is still suspect as to whether I even owe anything. And of course, at no time have the people who seem to make these decisions about the nature of my " case '' ever had direct contact with me. I have only been able to speak with their overseas support staff in the fraud department - never anyone domestic ; never the same person. I need assistance.
I have attached a copy of XXXX their appeal acknowledgements as well as XXXX of their " we're not changing our minds '' letters. There were several of both. Please note they have also sent this account to collections and written it off as a " charge off, '' both of which is inappropriate since the amount is in dispute. Any monies I may have owed prior to XXXX adding the {$5000.00} balance I am quite happy to pay. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 117XX | null | Consent provided | Web | 2023-01-17 | Closed with explanation | Yes | null | 6,443,226 |
2023-09-06 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Company XXXX XXXX XXXX XXXX is attempting to collect a debt in my name for XXXX XXXX XXXX XXXX XXXX. I am in. O way familiar with this debt nor is this debt mine. Furthermore XXXX IS NOT the original creditor. I do not know anything about XXXX... I have never authorized any business with XXXX Nor XXXX XXXX XXXX. I have opened a police report and this This account needs to be deleted. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 209XX | null | Consent provided | Web | 2023-09-06 | Closed with explanation | Yes | null | 7,511,205 |
2022-11-08 | Debt collection | Payday loan debt | Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | A woman by the name of XXXX XXXX called my daughter XXXX on her phone and got hostile n began making threatening comments about me. The comments consisted of a payday loan I had taken out with XXXX XXXX and got behind on payments due to getting COVID XXXX in 7 months XXXX a XXXX XXXX and XXXX XXXX due to long XXXX. XXXX XXXX proceeded to make threatening comments of going after my XXXX check n holding it until the court was concluded along with me being sued. My daughter believing it was real gave me the number n I called XXXX XXXX back at which time she became hostile and threatening with me saying they were filing in XXXX county against me and she hung up.
My daughter 's believing this was a true company and seamed real wanted me to call back. I did! I then spoke with a girl who said her name was XXXX at ext. XXXX and began to explain things in a somewhat calmer manner. I still was in my mind questioning this call XXXX began asking the name of the Company. At that time they told me XXXX XXXX XXXX. I then said what's your address and was rudely told they couldn't give that out do to safety reasons. When I questioned them about this XXXX XXXX became irritated. I continued on with setting up this payment plan even though I felt something was off. That's when I gave my debit card number and made a payment of {$180.00} and a schedule of payments of {$160.00} a month for 10 months. This was on XX/XX/2022. With a confirmation number of XXXX on acct. XXXX payment to XXXX XXXX. After I hung up I immediately called XXXX XXXX n found out that they had not sold my debt to anyone n no payment plan was set up. Embarrassed, I called my bank n cancelled my bank card n spoke to bookkeeping to file a fraud complaint on my account. I am set to do that on XX/XX/2022 @ XXXX. I've been embarrassed n called stupid by the people at this fake company n this should not happen to anyone ever. Please help me with this complaint so they don't get to any one else. They had my daughter 's phone numbers n XXXX only knows what else they have.
Thank you, XXXX XXXX | null | National Credit Adjusters, LLC | TX | 77833 | null | Consent provided | Web | 2022-12-01 | Closed with explanation | Yes | null | 6,180,113 |
2022-04-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 303XX | null | Consent provided | Web | 2022-04-07 | Closed with non-monetary relief | Yes | null | 5,421,786 |
2019-07-08 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | I owe around {$10000.00} to Chase, and am in a debt resolution program with XXXX XXXX XXXX. I provided Chase the number to XXXX XXXX XXXX, and was told not to have any further contact with Chase representatives, as XXXX representatives would handle it. As of Friday, XX/XX/XXXX I have been receiving calls from XXXX XXXX, formerly known as XXXX XXXX XXXX. They are a credit collections company used by Chase. On Friday I received 2 calls, on both XXXX and XXXX I received one call, and today on XXXX I have received three calls. One of these calls was a call to my office asking to speak to me, however I was in a meeting. The man who called was very aggressive to my boss who answered. I checked with a lawyer and learned that repeated calls on the same day and calling my work are illegal practices. Calling my place of work puts my job at risk. As stated before, I have provided the number for XXXX XXXX XXXX, whom they are supposed to be working with. | null | JPMORGAN CHASE & CO. | CA | 95628 | null | Consent provided | Web | 2019-07-08 | Closed with explanation | Yes | null | 3,299,474 |
2023-07-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77077 | null | Consent provided | Web | 2023-07-15 | Closed with explanation | Yes | null | 7,255,243 |
2023-03-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60466 | null | Consent provided | Web | 2023-03-26 | Closed with non-monetary relief | Yes | null | 6,753,473 |
2023-03-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Demand statutory compensation of {$1000.00} and deletion of accounts on my consumer report file Lexis Nexis has violated 15usc1681c2 Information resulting from identity theft Consumer agency shall block any alleged information from identity theft within 4 businesses days Lexis Nexis has failed to do so therefore I am requesting statutory compensation of {$1000.00} and deletion of the following accounts on my consumer report file XXXX XXXX Accounts XXXX Open XX/XX/XXXX Accounts Bankruptcy Filing XX/XX/XXXX XXXX XXXX Bankruptcy Filing XX/XX/XXXX XXXX XXXX Bankruptcy Filing XX/XX/XXXX XXXX XXXX Bankruptcy Filing XX/XX/XXXX XXXX XXXX Bankruptcy Filing XX/XX/XXXX XXXX XXXX Bankruptcy filing XX/XX/XXXX XXXX XXXX Bankruptcy filing XX/XX/XXXX XXXX XXXX Bankruptcy filing XX/XX/XXXX XXXX XXXX | null | LEXISNEXIS | MD | 20815 | Servicemember | Consent provided | Web | 2023-03-16 | Closed with explanation | Yes | null | 6,704,555 |
2017-08-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In XX/XX/XXXX, my husband and I sold our old house and purchase a new one. Once moving into our new house, I received a XXXX XXXX XXXX XXXX with a {$6500.00} credit limit that was mailed to my old mailing address but luckily forwarded to my new house. I did not apply for this card so I called chase and cancelled my credit card. Since then, I have had 3 XXXX XXXX application submitted in my name without my knowledge until it shows up from my credit alerts. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All applications were denied. All were applied under my old address. I have called XXXX each time and told them I did not apply for these cards and please send the credit bureaus a request to take this off my credit report but with no prevail. I have researched and it seems many people are having the same issue with XXXX and XXXX around the XX/XX/XXXX time-frame and once the buy a new house. I do not have any other fraud alerts coming across for any other cards just XXXX XXXX, please Help this is ruining my credit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 275XX | Servicemember | Consent provided | Web | 2017-08-08 | Closed with explanation | Yes | null | 2,598,149 |
2023-04-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Billing dispute for services | I have tried to reach out with letters and calls to Affirm. I found that were charges on my credit that I have no knowledge of. I have tried to dispute it with them and credit bureaus. Nothing was done. I spoke with Affirm yesterday and today for over a hour. No information was given again. I asked for the lady 's silence number and a number to speak with a manger, she told me she does not have to share the information at all with me. I did even offer to pay the debt that is not mine and please to have it removed from my credit and I was told no they will look into it. Since 2022 I've been having a issue with them looking into it and nothing is getting done. They are reading off a script and do not care about the livelihood of people. To say they can not give a license number or contact information for anyone above is garbage .All they can say is everything is in review and process.There is none else to speak to. It seems just a standard billing call center. They had no details or notes for anytime a letter was sent or call was made. Its almost like a scam place. Please any help would be greatly appreciated. No one deserves this kind of treatment when there life is on hold. | null | Affirm Holdings, Inc | NV | 89121 | Servicemember | Consent provided | Web | 2023-05-23 | Closed with explanation | Yes | null | 6,856,656 |
2018-07-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | On XX/XX/18 I sent a dispute to the Experian at XXXX XXXX XXXX Tx XXXX and XXXX at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate information on my credit report and not respond to my dispute in a timely manner. The addresses, jobs and phone numbers I will list later are not mine or aren't associated with me, there is also a social that apparently is tied to my name but I don't have information on that it only shows there is another social. This information has never been verified, I have not received in the mail and EXPERIAN and XX/XX/XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XX/XX/XXXX and continue my education. Phone numbers that aren't mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Addresses that aren't mine XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, DE XXXX Employment not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This was my college and have no idea why it is being reported as employment. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | DE | 19702 | null | Consent provided | Web | 2018-07-04 | Closed with non-monetary relief | Yes | null | 2,953,644 |
2023-01-09 | Debt collection | Credit card debt | False statements or representation | Attempted to collect wrong amount | The North Carolina Bar Association accepted my complaint and entered it into record and assigned the complaint for investigation and have initiated an investigation into the violation that an in fact attorney - acting as a debt collector violated my rights when the law firm - XXXX XXXX - through a NC board certified attorney, company staff, XXXX XXXX XXXX, Attorney violated my rights when a Letter was delivered to me through the U.S. Mail signed by the same attorney listed above - violated the Fair Debt collections practices act when the letter contained a demand for monies allegedly owed by me and that the amount the law firm and attorney for XXXX XXXX, by the content signed by her, was in fact more - over and above the amount that their client XXXX XXXX, has attested in dozens of complaints where XXXX Card has stated multiple times through their own validation of the debt amount which is and always has been {$2300.00} as indicated on an attached document with this complaint.
The attorney, the law firm of her employment, and their client as a whole violated my rights and FDCPA, XXXX laws when they attempted to collect {$1100.00} more than the reported amount by their own client, XXXX XXXX.
Federal and state laws have been violated by the attorney, firm, and XXXX XXXX clearly and indisputably along with my rights being violated under both NC General Statutes and Federal law- and are both have Statutory fines that I am entitled to. {$1000.00} for the Federal violation and {$4000.00} for the NC state violations- Also, XXXX XXXX falsely reported to the credit bureaus that I had made three satisfactory monthly payments, three months in a row and was in fact deceptive in this false reporting to the credit Bureaus of this charged off account in an attempt to reset the 7 year collections rule x, all regarding this one XXXX XXXX charged off account - when in fact I never paid any months payments to charged off account.
15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or | null | Smith Debnam Narron Drake Saintsing & Myers LLP | NC | 28411 | null | Consent provided | Web | 2023-01-09 | Closed with explanation | Yes | null | 6,415,049 |
2021-12-22 | 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 | I purchased items from XXXX using PayPal and my PayPal credit card issued from Synchrony totaling {$1600.00} on XX/XX/XXXX. The transaction was broken into multiple transactions : {$210.00}, {$950.00}, {$27.00}, {$27.00}, and {$430.00}. XXXX 's claims to have issued three refunds totaling the full amount of {$1600.00} broken into 3 transactions : {$950.00} on XX/XX/XXXX, {$59.00} on XX/XX/XXXX, and {$640.00} on XX/XX/XXXX. However, only two of those transactions ever posted on my account ( {$950.00} & {$59.00} ) and I have been forced to pay the {$640.00} for merchandise that I have returned almost a year ago! In fact, the merchandise was returned in XXXX. I have been fighting with PayPal, Synchrony, and XXXX 's for almost a year and have spent hours ( 25+ ) trying to dispute this and have opened multiple inquiries, all which are always ruled in the favor of the merchant and Synchrony nor PayPal has done anything to track down what has happened to the returned funds from the Merchant. This has been an incredibly aggravating and experience that has not only cost me lots of precious time, but also has left me out of pocket for {$640.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | TX | 75204 | null | Consent provided | Web | 2021-12-23 | Closed with monetary relief | Yes | null | 5,036,266 |
2023-08-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX XXXX ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 17901 | null | Consent provided | Web | 2023-08-12 | Closed with explanation | Yes | null | 7,391,259 |
2016-08-03 | Debt collection | Medical | Disclosure verification of debt | Right to dispute notice not received | I discovered this debt on my credit report along with an address I 've never lived at in another state. I contacted the collection agency with my proper contact information and still have received nothing. I contacted the original debt owner, a hospital, and they refused to give me an itemized bill of the charges my insurance refused to pay. I only am being told that this gigantic bill is from my XXXX and I believe I 'm being overcharged and not given the opportunity to prove it.
I 've been advised that I should have been informed by the hospital that my insurance would be applying the entirety of the visit toward my deductible and given the option to not be admitted as an inpatient for what appeared to be XXXX. The hospital has an urgent care facility on the same block, or they could have directed me to a free/reduced price clinic. At no time did the hospital inform me that I would be paying in full out-of-pocket for the expenses incurred there. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CMRE Financial Services, Inc. | CA | 92646 | null | Consent provided | Web | 2016-08-03 | Closed with explanation | Yes | Yes | 2,044,982 |
2022-10-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19119 | null | Consent provided | Web | 2022-10-20 | Closed with non-monetary relief | Yes | null | 6,110,829 |
2023-02-09 | Debt collection | I do not know | Communication tactics | Frequent or repeated calls | Hi, It is my understanding that a debt collector must furnish a letter within XXXX days of contacting you. According to the Fair Debt Collection Practices Act ( FDCPA ), within XXXX days of initially contacting you, a debt collector must send you a written debt validation letter that contains the following information : The amount of the debt ; The name of the creditor to whom the debt is owed ; and A statement that unless you dispute the validity of the debt within XXXX days after receiving the notice, the debt collector will assume that the debt is valid. Midland Credit started contacting me on XX/XX/XXXX. However, I have never received a five-day letter detailing why. This is a violation of the FDCPA. As you can see, from the attachment, they contacted me at least XXXX times after the initial contact. I am retired and living on Social Security as my sole source of income. | null | ENCORE CAPITAL GROUP INC. | WI | 53051 | Older American | Consent provided | Web | 2023-02-09 | Closed with non-monetary relief | Yes | null | 6,550,529 |
2019-08-14 | Vehicle loan or lease | Loan | Managing the loan or lease | Problem with fees charged | Leased a vehicle from Acura of XXXX on XX/XX/XXXX, On or around XX/XX/XXXX, I decided to go to the dealership and inquire about purchasing the leased vehicle two months before lease contract was up. Residual value ( buy out price after lease was up ) on original term lease was at {$30000.00}. The payoff amount on XX/XX/XXXX was {$32000.00}. The deal was done and I was informed that the bank had agreed to the loan and I will now be financing said vehicle. Dealer listed new cash price of {$39000.00} ( including the tax ) on the new finance contract. I do not understand how this amount was generated as the loan for the buyout on the lease was {$32000.00}. That is a difference of around {$7000.00}. I did not agree to any other number and was well aware what the buy out price was. I did agree to an extended warranty and I know there were dealer, DMV fees involved so I didn't think much of it when I signed. After now reviewing this contract I see that none of those fees I just mentioned above are even incorporated into that {$39000.00} and were then tacked on to make the new loan amount to {$41000.00}. They are very pushy to get you to sign and did not even give me a copy of the contract on that day. I did not even get to see contract again until recently when I was able to look at me account online. I am now paying around {$70000.00} for a vehicle that was leased to me at a price of {$48000.00} back in XXXX. | null | AMERICAN HONDA FINANCE CORP | NY | 10465 | null | Consent provided | Web | 2019-09-04 | Closed with explanation | Yes | null | 3,341,407 |
2022-02-03 | Debt collection | I do not know | Written notification about debt | Didn't receive notice of right to dispute | XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33614 | null | Consent provided | Web | 2022-02-03 | Closed with explanation | Yes | null | 5,182,508 |
2018-07-26 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | I am a real estate agent and I agreed to a six-month contract with XXXX to purchase internet leads. I electronically signed the contract. XXXX did not deliver what they absolutely promised me so I sent them a cancellation notice after four months for breach of contract. I spoke with the XXXX rep numerous times along with his supervisor to try to come up with a solution. The only thing I got was, forget about what we promised and just pay the bill. I told them I was not rolling over nor was I going to pay the last two payments. We could go to Court if they wanted. A couple of agents have a lawsuit against XXXX for the exact same thing. These companies are making promises they can not keep just to sign an agent up for their services. I informed XXXX that I was filing a complaint against them with the Federal Trade Commission and the Small Business Administration.
I cancelled my business card with Suntrust and received a new one so that XXXX could not bill my account. XXXX obtained my new card number and debited my account. I phoned Suntrust to file a complaint and ask why XXXX was given my new card number. Suntrust told me that Mastercard gave out my new number. They said that my new card number was linked to my old card. That does not make sense to me. If one receives a new card it should never be linked to a previous card. Consumers receive new cards for a reason.
I told Suntrust that it was not up to them nor Mastercard to be judge and jury over my money. If I had wanted XXXX to have my new card number, I would have given it to them. Suntrust is telling me they have to allow the merchant 60 days to file an answer to my dispute. I disagree because Suntrust was not authorized to let that money leave my account.
Suntrust informed me that the charge has been reversed but they can not put it back into my account until XXXX and that is provided XXXX doesnt contest it.
My complaint is against Suntrust and Mastercard for giving my new card number out without my authorization. I have lost trust in the Banking institution. This tells me they are on the side of the merchant and not the consumer. They should not be allowed to give out a consumers new card number. I want my money back and I want it now. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SUNTRUST BANKS, INC. | GA | 30253 | null | Consent provided | Web | 2018-07-26 | Closed with explanation | Yes | null | 2,974,389 |
2018-04-12 | Student loan | Federal student loan servicing | Struggling to repay your loan | Can't get other flexible options for repaying your loan | To whom it may concern, My complaint is that I am making payments of {$460.00} per month to Navient and have paid over {$26000.00} into a Student loan ( Parent Plus ) loan in which the original loan disbursement was {$37000.00}. and I still owe {$57000.00}.
This loan was in deferment and forbearance as long as was allowed as we were counseled by the student loan administrator at the school. It was disbursed in XX/XX/XXXX and I began making payments in XX/XX/XXXX.
I have discussed lowering the balance with Navient and of course they will not. I wrote a letter to my congressman in XX/XX/XXXX who in turn contacted the U.S. Department of Education Federal Student Aid. They sent me a packet giving me all the scenarios for student loan forgiveness which I do not qualify for. I don't even qualify for lower payments given my income.
My greater complaint is that our Federal Student Aid Department will, one, allow a loan like this to be made at all, and two, it would allow a loan like this to be made to students and their parents without insuring that the parties understanding exactly what they are getting into.
When we went into the student aid office, we were in there for all of 20 minutes. The online process was very short and easy. There was no discussion of capitalized interest and what that could look like after several years. We were also told that we could easily transfer the account into his name at a later date. This was not the case.
The amount of interest we are paying is astronomical! This would qualify as loan sharking! I don't believe there are the checks and balances or required education in place for students looking to get a higher education. We are under the assumption when getting Federal Student Aid that the government has our best interest in mind and would not allow us to be taken advantage of in this way. | null | Navient Solutions, LLC. | AZ | 85044 | null | Consent provided | Web | 2018-04-12 | Closed with explanation | Yes | null | 2,873,881 |
2022-06-28 | 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.
XXXX XXXX bankruptcy 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 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 | LEXISNEXIS | VA | 20171 | null | Consent provided | Web | 2022-06-28 | Closed with explanation | Yes | null | 5,717,524 |
2023-07-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | FL | 33016 | null | Consent provided | Web | 2023-07-27 | Closed with non-monetary relief | Yes | null | 7,307,563 |
2022-07-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am a human and a natural person my name is XXXX XXXX and the credit bureaus are violating my rights and I am really upset. They need to remove the accounts immediately. Also, it is not 100 % accurate with all the credit bureaus.
Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 r
eport 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27597 | null | Consent provided | Web | 2022-07-29 | Closed with non-monetary relief | Yes | null | 5,821,354 |
2021-07-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I have 50 hard inquiries and I only made 10 of them. I have collections that are not mine. I have open accounts on my credit report that are not mine. I have addresses that I have never lived at. I have closed accounts that are not mine. I have names that are not mine. I sued in small claims and won and they still wont fix it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IN | 47150 | null | Consent provided | Web | 2021-07-09 | Closed with explanation | Yes | null | 4,529,558 |
2023-04-16 | 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 | Despite my never once being 30-days late, my exorbitant interest rate has made paying this credit card in full completely impossible.
I previously disputed the charge below as the first set of eyeglasses that I received were damaged. While the company did replace the damaged eyeglasses, they replaced them with a pair in which the bifocal prescription is defective. While I can not see out of these brand-new glasses and they are of no use to me because I can not see to read out of them, Chase has rebilled my initial credit from my dispute of the original damaged eyeglasses and Chase representatives have repeatedly refused to place a new dispute on the defective replacement pair.
{$180.00} Transaction date XX/XX/XXXX Posted date XX/XX/XXXX Merchant info XXXX XXXX XXXX XXXX
Description XXXX XXXX XXXX XXXX.
Also known as XXXX XXXX Merchant type XXXX Method Online, mail or phone Card number ( ... XXXX ) Category Health & wellness Worst of all, representatives of this bank have repeatedly promised authorized XXXX XXXX relief and to date, no such relief has been provided. | null | JPMORGAN CHASE & CO. | FL | 34787 | null | Consent provided | Web | 2023-04-16 | Closed with explanation | Yes | null | 6,843,780 |
2022-11-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | This is not a duplicate complaint and I'm representing myself, by myself.
This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.
The trade line listed below is item currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened this account and made transactions on this account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating this account.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. The law says that you must block these accounts while being investigated, and I expect that you will do so.
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate.
According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information XXXX. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, this account doesn't belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that this listed account and items be BLOCKED and DELETED! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | WA | 983XX | null | Consent provided | Web | 2022-11-04 | Closed with explanation | Yes | null | 6,164,616 |
2022-09-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX 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. | IL | 60046 | null | Consent provided | Web | 2022-09-08 | Closed with non-monetary relief | Yes | null | 5,957,507 |
2017-09-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | In XXXX of XXXX my husband and I filed a chapter XXXX Bankruptcy. We later withdrew our petition and the case was closed. No creditors were harmed based upon our filing and subsequent withdrawal. Since that date the XXXX credit bureaus have had a bankruptcy showing on both of our credit reports. The balance is correct at XXXX dollars but the Bankruptcy should not be showing at all. My husband and I have both disputed this information many times with no luck having it removed for me and only XXXX XXXX removed it for my husband.
This information is a public record that can not be validated or verified by anyone in the court and therefore should not be on the credit reports. It was also withdrawn so I do not believe We should face the same consequences as a person or people who have filed and gone to discharge on their bankruptcy. This invalid information is causing us harm and making it impossible for us to move forward with our financial future. We have been denied credit repeatedly because of this bankruptcy. I believe this also should have been removed in XXXX when all credit bureaus agreed to remove public records.
Can you please investigate this and help me get this removed from our credit reports. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MA | 01832 | null | Consent provided | Web | 2017-09-21 | Closed with explanation | Yes | null | 2,680,853 |
2022-01-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant .617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is not accurate. The items that appear on my credit report as unknown addresses please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers on my file that do not belong to me plead delete remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is derogatory in nature as well as not accurate. The items that appear on my credit report as : 1. US BANKRUPTCY : thisfiling has missing data and is not accurate please delete.
2.XXXX XXXX XXXX XXXX XXXX : This account is listed wrong and error please delete.
3. XXXX XXXX XXXX XXXX XXXX : THis account is not listed properly error please delete.
4. XXXXXXXX XXXX : XXXX XXXX : This account was discharged and listed improperly please delete. | null | EQUIFAX, INC. | OH | 43119 | null | Consent provided | Web | 2022-01-11 | Closed with explanation | Yes | null | 5,103,048 |
2023-04-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. | null | EQUIFAX, INC. | IN | 47905 | null | Consent provided | Web | 2023-04-10 | Closed with explanation | Yes | null | 6,819,549 |
2022-09-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reportingXXXX XXXX XXXX XXXXccount Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reportingXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX XXXXlease remove it from my credit report. | null | EQUIFAX, INC. | AZ | 85323 | null | Consent provided | Web | 2022-09-07 | Closed with explanation | Yes | null | 5,951,921 |
2020-01-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Due to challenging financial circumstances, I filed for XXXX XXXX Bankruptcy. As my circumstances worsened, I ultimately had it converted to XXXX XXXX and was discharged XX/XX/2019. On my list of debtors, my private student loan under for roughly {$7000.00} under XXXX was included. While I was not expecting this loan to be erased, a quick reference in XXXX XXXX showed the loan as either payed off or closed, which I have screen shots of. I used this information to move forward with building the rest of my credit, not paying toward my XXXX private student loan, and not realizing my loan was still active. I fell behind on my private student loan payments which has lead to " late payments '' showing on my credit report, negatively impacting my credit score. This has negatively affected my ability to apply for a VA Home loan due to the late payment remarks on my credit report. With good intentions, I contacted the private loan company and have setup payments to bring my account back up to current and am continuing to make on time payments. Though I take responsibility in missing such an important detail, I would like to reach out for assistance in having these late payment remarks removed from my credit report if possible. This was a misunderstanding on my end, as well as my private student loan company who never received a copy of my bankruptcy, neither XXXX XXXX nor XXXX XXXX. At the moment, I am simply continuing to make on-time payments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90703 | Servicemember | Consent provided | Web | 2020-01-14 | Closed with explanation | Yes | null | 3,495,337 |
2023-06-13 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I strongly request that you update my account to accurately reflect my payment history. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 70570 | null | Consent provided | Web | 2023-06-13 | Closed with non-monetary relief | Yes | null | 7,112,352 |
2018-02-21 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was result of identity theft | ACCOUNTS ARE STILL ON MY CREDIT REPORT AND HAVE NOT BEEN REMOVED.
ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine. | null | Green & Sons Agency, Inc. | MD | XXXXX | null | Consent provided | Web | 2018-02-22 | Closed with explanation | Yes | null | 2,820,772 |
2023-01-06 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | I strongly believe Navient may be using a tactic misrepresenting my student loan balance for more gains. I believe that this tactic is not legal and/or at least raises a RED flag for an investigation.
On XX/XX/XXXX, I decided to pay off my student loan of {$23000.00}. I reached out to Navient and was transferred to an agent XXXX in the student loan department. This agent after going into my account sited my total balance of my loan that I needed to pay was {$23000.00}. Which I proceeded to pay over the phone using my personal check # XXXX. At the end of my conversation, I was informed that I would receive a payoff letter. This letter was to never arrive. What did arrive the following on XX/XX/XXXX was a statement for me to pay another {$1000.00}.? I immediately contacted Navient to discuss this error. I was meet with confusion by their agents as to why I was being charged. Their records indicated that the amount sited by their on XX/XX/XXXX agent was correct and they would further look into this issue. I expressed my frustration with them and their system. I informed them that they needed to resolve this issue today. The agent appeared empathic and supportive wanting to finding the answer for me. So starts my archous battle with Navient! after numerous conversations with other agents/supervisors I came across agent XXXX XXXX XXXX.
On XX/XX/XXXX Team Lead XXXX XXXX # XXXX. After XXXX minutes into our conversation XXXX stated that she would like to go back and lesson to the recorded conversation with me and agent XXXX on XX/XX/XXXX. And if she found that the balance of my account given that day by agent XXXX was indeed {$23000.00} as a full payoff amount. Then Navient will wave the requested fee of {$1000.00}. Satisfied that I would prevail. What arrived was a letter on XXXX XXXX.
On XX/XX/XXXX. I received a letter from Navient with old dates and numbers. However, admitting fault and that indeed their agent XXXX incorrectly provided me with the wrong payoff amount " That Navient will not be able to write-off the remaining balance and that I would still need to pay the requested amount of {$1000.00} See attachement # XXXX On XX/XX/XXXX to dispute there response letter to me. I was meet with more ridiculous excuses and that they could not honor what Team Lead XXXX XXXX promised.
" To wave the fees regardless of the facts disclosed in the recording '' It is my hope that C.F.P.B can represent me in this unfair and unjust act by Navient..
Sincerely, XXXX | null | Navient Solutions, LLC. | CA | 945XX | Servicemember | Consent provided | Web | 2023-01-07 | Closed with explanation | Yes | null | 6,405,821 |
2019-02-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Hi, I am having a problem with RUSHMORE LOAN MANAGEMENT reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX report you reporting my account was on time but XXXX and XXXX you report me as being late. that alone is a mistake you made it have to be deleted. see attachment. | null | RUSHMORE LOAN MANAGEMENT SERVICES LLC | FL | 324XX | null | Consent provided | Web | 2019-02-11 | Closed with explanation | Yes | null | 3,148,982 |
2020-06-26 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | On date of XX/XX/2020 I received a credit alert notifying me of a collection of na account and amount of XXXX from company name Prince Parker and associates out of XXXXwith phone number XXXX called to find out what this was for and they said they are collection agentcy.I gave my name and she said she does not have anything under my name.I told the company I am victim of identity theft.They did not want to help me resolve. | null | Prince Parker & Associates | FL | 33321 | null | Consent provided | Web | 2020-06-26 | Closed with explanation | Yes | null | 3,717,802 |
2018-09-18 | 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 never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 Credit Technologies. Never heard of this company!! | Company believes it acted appropriately as authorized by contract or law | Credit Technologies, Inc. | CA | 939XX | null | Consent provided | Web | 2018-09-18 | Closed with explanation | No | null | 3,022,761 |
2019-01-25 | Debt collection | Payday loan debt | Threatened to contact someone or share information improperly | Contacted your employer | I applied for a loan from Cash For Whatever. I missed 1 payment for the loan due to being effected by the government shut down. They keep calling my job everyday. My employer has threatened to write me up if they do not stop calling my job. I have asked them several times to cease contacting my employer and they continue to call. They have also threatened to sue me once I ask them to stop calling my job. | Company believes complaint represents an opportunity for improvement to better serve consumers | CFW Holdings LLC | TX | 76114 | null | Consent provided | Web | 2019-02-02 | Closed with explanation | Yes | null | 3,133,590 |
2017-11-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have sent in numerous information that proves an account on my credit report is not mine. Everytime i call them they change their story staying they have n't received it to " oh yeah we did receive it but it has n't been review yet. this was over a month ago. They constantly change their story and do not give me a straight answer. Ive been recording every call wit them proving that the are lying. I demand that they take all collection account off my report as I proved that all of them are not mine. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 857XX | null | Consent provided | Web | 2017-11-21 | Closed with explanation | Yes | null | 2,735,301 |
2022-05-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX Account number : XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77479 | null | Consent provided | Web | 2022-05-23 | Closed with explanation | Yes | null | 5,589,595 |
2021-11-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have been writing to XXXX XXXX and the credit reporting agencies for months disputing the incorrect reporting that XXXX has put on my credit reports. XXXX is reporting late payments for months after my account with them was paid in full and closed. I received letters from XXXX stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to XXXX to be sure that they received it. I have written to XXXX XXXX dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). XXXX absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice.
I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 35022 | null | Consent provided | Web | 2021-11-15 | Closed with explanation | Yes | null | 4,912,887 |
2020-07-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19144 | null | Consent provided | Web | 2020-07-17 | Closed with explanation | Yes | null | 3,733,970 |
2022-06-03 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | I have a Bank of America credit card that was reported lost/ stolen sometime in XXXX. The original account was closed and replace with a new one at time which the representative assured me no further charges would go through the old card. To my surprise, on XX/XX/XXXX, a charge of {$540.00} was put through my old card by XXXX XXXX XXXX. I tried to contact the merchant multiple times but their system doesn't show any record of the purchase nor anyway to cancel the purchase. I contacted Bank of America the next day trying to close my account completely, but the representative, XXXX from Maine, reassured me multiple times that this " pending charge '' from XXXX would not go through. As a result, I believed her and did not close my account. A week later, on XXXX, a discovered that the charge has gone through and I have been lied to. So my question for Bank of America is : how did a purchase gone through a closed account? Why this wasn't flagged as potential fraud. I think this is a potential violation of Electronic Fund Transfer Act and Regulation E. CFPB took action against another bank in XXXX for similar reasons that closed accounts were reopened without explicit authorization from the client, allowing recurring charges to go through ( regardless whether they were fraudulent ). I ask the CFPB to investigate BofA 's practices and take similar action. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | TX | 780XX | null | Consent provided | Web | 2022-06-03 | Closed with monetary relief | Yes | null | 5,630,273 |
2020-04-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The following accounts are fraudulent and unauthorized by me, i do not know where these accounts come from other than when my wallet was stolen from the gym. Please remove and block these unauthorized accounts from my credit file.
1. XXXX XXXX 2. XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 23832 | null | Consent provided | Web | 2020-04-15 | Closed with explanation | Yes | null | 3,607,325 |
2023-02-02 | 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 fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX Account name -XXXX XXXX # XXXX Account name- XXXX # XXXX account name-XXXX XXXX # XXXX 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 1681c. ( a ) ( 5 ) Section states no consumer reporting agency make make any consumer report containing any of the following items of information any other adverse item of information, other than records of convenience of crimes which antedate 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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 070XX | null | Consent provided | Web | 2023-02-02 | Closed with non-monetary relief | Yes | null | 6,521,025 |