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2017-03-14 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | The National Credit Systems contacted me about a month ago and suggested that I settle with the XXXX. I explained to the representative, that due to our medical bills and health issues I did not owe the complex {$2000.00}, XXXX XXXX explained that they were willing to settle for {$1500.00}. I explained to the representative that this was too much and that the complex should be paying me and my husband for the medical expenses that were accumulated while residing in that molded apartment. At the time I offered {$1000.00} to prevent my credit from being affected but this company would not help me. As a result, the National Credit Systems is destroying my credit. | Company believes complaint caused principally by actions of third party outside the control or direction of the company | National Credit Systems,Inc. | TX | 76123 | null | Consent provided | Web | 2017-03-14 | Closed with explanation | Yes | No | 2,385,786 |
2021-01-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX. I NEVER HAD A ACCOUNT OR BUSINESS CONTRACT WITH XXXX XXXX XXXX AND I BELIEVE THESE ARE ILLEGAL RE-AGED ACCOUNTS FROM ANOTHER 3RD PARTY COLLECTION AGENCY. | null | EQUIFAX, INC. | OH | 43209 | null | Consent provided | Web | 2021-01-22 | Closed with explanation | Yes | null | 4,084,424 |
2020-10-26 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | This company is attempting to collect on a debt that is more than 10 years old and was also previously disputed directly with XXXX XXXX XXXX and XXXX 's dismissed the debt due to identity theft. The following is the complaint that was sent to XXXX 's : On XX/XX/2005, my SUV was broken into as I dined at a restaurant in XXXX, Texas. Numerous items were stolen, including my briefcase that contained my personal information on documents, which included my driver 's license number, birthdate and social security number. Since this event occurred, my personal identity was stolen and numerous successful attempts of credit were extended to one or more individuals. I have sent letters that include a copy of the police report, which I filed with the XXXX Police Department to the creditors who are now falsely reporting incorrect information on my credit report. | null | Resurgent Capital Services L.P. | TX | 77584 | null | Consent provided | Web | 2020-10-26 | Closed with explanation | Yes | null | 3,919,951 |
2022-05-23 | Checking or savings account | CD (Certificate of Deposit) | Closing an account | Can't close your account | On XX/XX/2022, by phone, I requested closure of a CD account with Synchrony Bank. I was told it would take 4 days for closure and another 3 to send me the funds. On XX/XX/XXXX I called back after noticing the account is still not closed. After being on hold for 30 minutes, I was now told it would take 7-10 business days just to close the account because they are backed up on account closures and paperwork. This is unacceptable for a bank to take up to 10 business days just to close an account. I requested a second CD account to also be closed and again was told 7-10 business days just to process paperwork for that closure because they arent able to keep up with customer requests at this time. Someone should look into this bank and remind them they should be placing customers first. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | FL | 33556 | null | Consent provided | Web | 2022-05-23 | Closed with non-monetary relief | Yes | null | 5,591,551 |
2023-05-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'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. | NC | 27455 | null | Consent provided | Web | 2023-05-29 | Closed with explanation | Yes | null | 7,038,739 |
2020-01-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX XXXX XXXX and Transunion are reporting incorrectly a collection in the amount of {$2300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. The money borrowed on the credit card had a term of ( 12 ) months at 0 % interest. I was making the required monthly payments on-time. XXXX XXXX did not honor the terms of the agreement and started to charge interest prior to the expiration of the promotional period. I was continuing to make the monthly payments without knowing that the payments that were being made fell short of the monthly amount due. I was never notified that XXXX XXXX had started to charge interest ( prematurely ) and that the monthly payments had changed. It came to my attention that this account went to collection when I obtained a recent copy of my credit report. This account has since been paid and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NE | 681XX | null | Consent provided | Web | 2020-01-22 | Closed with explanation | Yes | null | 3,505,036 |
2021-03-27 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. | Company believes it acted appropriately as authorized by contract or law | American Profit Recovery, Inc., Marlborough, MA Branch | MA | 02721 | null | Consent provided | Web | 2021-03-27 | Closed with explanation | Yes | null | 4,251,573 |
2020-10-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize this information US BKPT CT TX XXXX. I contacted that court and they sent me a letter that they do not send anything to the credit bureaus or have any file that matches my personal information. I then contacted XXXX, they show no record of the bankruptcy or a file under my name. I have attached a copy of the letter from XXXX. I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. | null | EQUIFAX, INC. | TX | 77550 | null | Consent provided | Web | 2020-10-26 | Closed with explanation | Yes | null | 3,919,474 |
2022-10-07 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | Midland Credit Management filed lawsuit against me. I have never been in contact with this company nor do I have any contracts or debt with them. I was never notified of debt toward them or given the opportunity to dispute or deny this alleged debt. I now have to go to court to defend myself. I ran my credit and found midland credit management submitted unpaid collections against me in late 2021. There is no additional information regarding what this collection is concerning. | null | ENCORE CAPITAL GROUP INC. | FL | 321XX | null | Consent provided | Web | 2022-10-07 | Closed with non-monetary relief | Yes | null | 6,057,291 |
2022-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 | null | EQUIFAX, INC. | MI | 48111 | null | Consent provided | Web | 2022-06-08 | Closed with non-monetary relief | Yes | null | 5,644,114 |
2022-09-23 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Need information about your loan balance or loan terms | XXXX XXXX, XXXX XXXX, am writing this complaint without any assistance from any third parties. I am requesting the following documents in response to FEDLOAN response to the previous complaint : Please provide an authenticated record that verifies that I gave FEDLOAN consent to share my nonpublic personal information to the consumer reporting agencies. Please also provide an authenticated record that verifies that I gave consent for FEDLOAN to share my nonpublic personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | AES/PHEAA | MD | 20902 | null | Consent provided | Web | 2022-09-23 | Closed with explanation | Yes | null | 6,011,817 |
2022-12-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 759XX | null | Consent provided | Web | 2022-12-23 | Closed with explanation | Yes | null | 6,356,979 |
2023-06-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 15216 | null | Consent provided | Web | 2023-06-22 | Closed with non-monetary relief | Yes | null | 7,146,741 |
2020-09-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | an individual with my same name, social security number different by one digit and a year of birth way off than mine ( which I've also tried to dispute & nothing had happened ) This person has opened accounts at XXXX XXXX with an unpaid balance of {$12.00} opened XX/XX/XXXX that has been charged off, I called XXXX XXXX on XX/XX/XXXX but no one to help me, i then filed a dispute with the credit bureaus, one said the account is accurate and the other 2 bureaus dispute are still pending. Please I need your help I am trying to re-finance my current mortgage loan and this is affecting me from getting a much lower interest rate than what I currently have, Please help me, thank you | null | EQUIFAX, INC. | FL | 33165 | null | Consent provided | Web | 2020-09-28 | Closed with explanation | Yes | null | 3,869,760 |
2019-04-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | three accounts as student loans are reporting under my name on equifax credit reporting agency only. they are giving me a very hard time removing these inaccuracies, these account / loans i had never had, and never inquired, never went to school here. please help me with this i have been disputing these inaccuracies with equifax for more than a year, and no one has tried to help me at equifax. you are my last hope.
please have these inaccurate accounts removed from my credit file thank you | null | EQUIFAX, INC. | CA | 91342 | null | Consent provided | Web | 2019-04-17 | Closed with explanation | Yes | null | 3,214,758 |
2023-01-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I was a victim of identity theft and I request to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | NV | 89166 | null | Consent provided | Web | 2023-01-03 | Closed with non-monetary relief | Yes | null | 6,392,206 |
2022-04-04 | Debt collection | Credit card debt | Written notification about debt | Didn't receive notice of right to dispute | I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it reflect in my credit report that can harm my credit credentials. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$930.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$610.00} / XX/XX/XXXX XXXX XXXX XXXX {$760.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$1200.00} / XX/XX/XXXX | null | EQUIFAX, INC. | IL | 60502 | null | Consent provided | Web | 2022-04-04 | Closed with explanation | Yes | null | 5,402,467 |
2019-05-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | On XX/XX/2019 a fraudulent inquiry for credit with XXXX XXXX XXXX XXXX was made on my Experian credit file. I've tried to resolve this issue 3 times with the credit bureau but have not been successful. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 08759 | null | Consent provided | Web | 2019-05-06 | Closed with non-monetary relief | Yes | null | 3,233,764 |
2021-08-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Early XX/XX/XXXX - I received a letter from a Collection Agency, XXXX claiming that I owed XXXX XXXX {$4500.00}.
XX/XX/XXXX - I sent a certified letter to XXXX disputing the debt. I asked to see a signed contract and proof that the debt belonged to me.
XX/XX/XXXX - My certified letter was received by XXXX.
As of this complaint, I never received verification of the debt from XXXX or XXXX XXXX.
XX/XX/XXXX - The debt was reported to all three credit bureaus as a collection.
XX/XX/XXXX - I received a letter from XXXX XXXX XXXX XXXX XXXX Collection Agency. I disputed the debt with them and asked that they provide me with proof of debt. The XXXX stated that I needed to collect that from XXXX directly and they did not place the information on my reports.
XX/XX/XXXX - I contacted XXXX XXXX to dispute the debt. The agent could not/would not provide me with a copy of the contract or any documentation to verify that the debt belongs to me. Instead, he directed me to contact the store where the transaction took place and wanted me to ask for security footage of who opened the account.
XX/XX/XXXX - I contacted the XXXX store and asked the Representative to forward me a copy of the security camera footage to verify that it was not me.
As of this complaint, I have never received any proof that this debt belongs to me. | null | AFNI INC. | NC | 28079 | Servicemember | Consent provided | Web | 2021-08-17 | Closed with explanation | Yes | null | 4,637,597 |
2018-08-10 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | Back in 2017, I was the victim of an auto theft in which my wallet was taken. I filed a police report about the matter and continued on with my life after walking away from the incident safe. Early this year I started noticing random accounts appear on my credit that I did not authorize nor did I apply for these fraudulent accounts. Some of my very important personal information was inside of the wallet and I have reason to believe that my social security number may have been compromised. | null | CAPITAL ONE FINANCIAL CORPORATION | GA | 30012 | null | Consent provided | Web | 2018-08-10 | Closed with non-monetary relief | Yes | null | 2,988,041 |
2023-04-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. PORTFOLIO RECOVERY ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} | null | PORTFOLIO RECOVERY ASSOCIATES INC | FL | 34746 | null | Consent provided | Web | 2023-04-21 | Closed with explanation | Yes | null | 6,874,319 |
2017-09-05 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | I am a victim of identity theft. This dispute is about a checking and savings account at Chase. I have two previous complaints against JPMorgan Chase bank. These complaints were in reference to a credit card opened as a result of fraud. XXXX from the Chase executive office reached out to me and told me that Chase was holding me liable for the credit card because I had been inside of a branch of showed ID. Upon disputing that with XXXX I asked him to get me the location of the branch and the name of the branch manager so that I may visit that branch and show ID and prove that it was not me that went inside this branch. XXXX called me back and told me that upon doing further research Chase found that I had not been inside of a branch after all and they they were opening up the investigation again. XXXX told me that Chase opened a checking and savings account in my name and that I needed to dispute the checking and savings account before the credit card account could be removed. I submitted the documents Chase asked for. Please note that I have attached the police report number but I was not given a copy of the report so I am attaching what I was given. In addition to the affidavit from Chase I am attaching a copy of the FTC affidavit of identity theft, a copy of my photo ID and a copy of the lease from the apartment I was living in during the entire life cycle of this account which is not the address Chase sent credit/debit cards and or checks to. XXXX told me on the phone that he asked the credit bureau department at Chase to update my credit report to temporarily remove the negative reporting while the investigation was completed, however as of XXXX that has not been done. | null | JPMORGAN CHASE & CO. | TX | 78704 | null | Consent provided | Web | 2017-09-05 | Closed with explanation | Yes | null | 2,658,846 |
2023-02-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*BalanceOwed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXXBalance Owed : {$49000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX 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 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. | GA | 30093 | null | Consent provided | Web | 2023-02-01 | Closed with non-monetary relief | Yes | null | 6,518,206 |
2021-05-07 | Credit card or prepaid card | Store credit card | Other features, terms, or problems | Other problem | I have had a gas card with chevron through Synchrony bank for 3 years, then two weeks ago they ran a hard inquiry on my credit without asking me and closed my account. They sent me a letter telling me they ran my credit without my permission and decided to close it. I have never been late on payment and always paid off my balance.. they made my credit score lower 22 points because of this hard inquiry | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NV | 89119 | null | Consent provided | Web | 2021-05-07 | Closed with explanation | Yes | null | 4,360,364 |
2016-10-19 | Debt collection | Medical | Disclosure verification of debt | Not given enough info to verify debt | An agency Aargon Agency is collecting on a debt on my XXXX and XXXX report stating I owe a debt for a medical bill. I have asked on several occasions for validation of the debt that is showing my signature of a release of my medical records which is a HIPAA violations to have my medical records shared without my consent. I have called the agency and also send over certified letters, and they only have put disputed on XXXX and XXXX report. I also reached out to both credit bureaus, and they only said the debt was valid, and I sent a letter stating that this company was in violation of HIPAA laws, but they have not corrected the issues. I am looking for you help to see if I can get this debt cleared from XXXX and XXXX. I have also sent over a certified letter to original creditor and it was sent back to me as undeliverable address, and I sent this to both credit bureaus. | null | Aargon Agency, Inc. | FL | 32829 | null | Consent provided | Web | 2016-10-19 | Closed | Yes | No | 2,165,587 |
2021-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Im beyond frustrated with the customer service team in XXXX XXXX. I called because of a complaint I made against XXXX agency back in XX/XX/XXXX online for the account with XXXX XXXX XXXX someone on XX/XX/XXXX lied and stated I challenged the payment history for XXXX thats a LIE. He even confirmed the payment history dispute bill as for another account. Due to Experians negligence they extended the timeframe so when the account shouldve been removed XX/XX/XXXX it wasnt!!! please reference case # XXXX. When I originally reached out to you guys about the illegal tactic this agency use to continue reporting this account they stated they replied by mail. THATS A FLAT OUT LIE. I DIDNT RECEIVE A LETTER FOR THIS ACCOUNT THE FCRA REQUIRES DELETION OF THIS ACCOUNT. So I spoke to on XX/XX/XXXX XXXX in XXXX XXXX he transfer me to a supervisor who refuse to listen to anything I have to say and hung up on me after a 30 minute hold something needs to be done about there customer service. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33060 | null | Consent provided | Web | 2021-06-08 | Closed with explanation | Yes | null | 4,440,661 |
2015-07-30 | Debt collection | Other (i.e. phone, health club, etc.) | Disclosure verification of debt | Not given enough info to verify debt | On XX/XX/XXXX XXXX Apartments ( now represented by Protas, Spivok & Collins filed a Warrant In Debt against me. XXXX This is regarding the same dept. complaint filed XX/XX/XXXX CFPB case number XXXX XXXX XXXX XXXX XXXX I have reached out to attorney XXXX XXXX XXXX of Protas, Spivok & Collins several times requesting documentation to support the balance due. ( The same issue I was having with the previous dept collectors XXXX XXXX XXXX. This balance has yet to be substantiated and the direct communication to the attorney to obtain documentation is being ignored. The original hearing was set for XX/XX/XXXX and it was noticed that there was a billing error as they tried to obtain judgment for {$8400.00} XXXX double the original amount ordered ). Due to this error the case was continued to XX/XX/XXXX. On XX/XX/XXXX the balance although adjusted still was not correct, and the judge ordered a bill of particulars to be mailed to my address within 15 days form XX/XX/XXXX and the case was continued again to XX/XX/XXXX. On XX/XX/XXXX they filed a nonsuit and no new court date has been set.
As of today I still have no documentation to support the current balance, and no date to anticipate when this matter will be resolved. When I ask the attorney XXXX XXXX for the information she does not respond to my email requests. | null | Protas, Spivok & Collins. LLC | VA | 23233 | null | Consent provided | Web | 2015-07-30 | Closed with explanation | No | No | 1,495,045 |
2023-08-31 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my 20th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | MD | 21244 | null | Consent provided | Web | 2023-08-31 | Closed with non-monetary relief | Yes | null | 7,476,095 |
2019-03-17 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | This is a debt the should've been paid by the insurance and the father XXXX XXXX whom is court ordered to carry insurance on the children. It also has been refiled multiple times so the dates change to not fall of at the 7 year mark. | null | Commonwealth Financial Systems, Inc. | FL | 33556 | Servicemember | Consent provided | Web | 2019-03-21 | Closed with explanation | Yes | null | 3,182,320 |
2019-10-20 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | This is ianccurate because the late remarks, there is no late remark in XXXX then why is there in XXXX? | null | General Motors Financial Company, Inc. | MA | 02780 | null | Consent provided | Web | 2019-10-20 | Closed with explanation | Yes | null | 3,411,516 |
2018-05-20 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | XXXX Dear Consumer Financial Protection Bureau, I am one of the first student loan holders who signed up for PSLF in XXXX. As a XXXX XXXX XXXX XXXX, after paying my loans for 10 years, my loans have been accruing interest and they are growing at an exponential rate. XXXX XXXX is not counting at least 10 months of payments. My loans should be forgiven now, but if I have to pay them for another year the interest on my loans will have accrued another {$20000.00} to {$30000.00}. At this point they are up to {$150000.00}. Over the last three years, my loans have grown from {$110000.00}, to {$130000.00}, to {$150000.00}. What will they be in another year? I am aware that when my loans are finally forgiven, I will have to pay taxes on them as though they were income.
The problem started when I went back to XXXX school in the fall of XXXX, when my loans were with XXXX. I did not take out more student loans, but instead charged my tuition to credit cards. When I enrolled in school, my student loans went into automatic forbearance. Once I discovered this, I called XXXX, cancelled the forbearance, and got them to flag my account so that it would not go into automatic forbearance every time I enrolled in a new semester.
Then XXXX took over from XXXX, but unbeknownst to me, the flag on my account did not transfer. I continued to make my regular payments every month, but when I called to find out how many payments remained on my account, the clerk told me that the payments I made while my account was in automatic forbearance would not count.
In the letter they sent me it says I only made three payments in the year from XX/XX/XXXX, however I made a payment every month the entire year. Then for some reason it says I only make 11 payments the following year. When I signed up for PSLF, I was told that I needed to make 120 payments. I have made 120 payments, but now I am told they dont all count. How could I have possibly known that? Please help me get all my payments counted. It will make a huge difference to the amount I will have to pay in taxes on this income that I will have never seen.
Sincerely, | null | AES/PHEAA | CA | 94134 | null | Consent provided | Web | 2018-05-20 | Closed with non-monetary relief | Yes | null | 2,912,229 |
2022-05-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX | null | EQUIFAX, INC. | TX | 774XX | null | Consent provided | Web | 2022-05-19 | Closed with explanation | Yes | null | 5,579,624 |
2018-05-12 | 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 | There are inquiries on my report that I did not authorize and I even sent them a copy of my police report filled out for identity theft. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | XXXXX | null | Consent provided | Web | 2018-05-12 | Closed with non-monetary relief | Yes | null | 2,904,059 |
2022-01-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Experian is reporting over 30 accounts that are closed. These accounts are being reported as open The accounts are closed and credit services like credit plusXXXX XXXX XXXX and XXXX law should not be getting funded to keep closed accounts reported yearly. These same accounts are being reported on XXXX and XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10473 | null | Consent provided | Web | 2022-01-19 | Closed with explanation | Yes | null | 5,124,388 |
2023-09-08 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I am requesting again in regard to the inaccurate and unknown inquiry on my credit report. There are multiple errors shown in my report. Please verify that this inquiry is XXXX percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this inquiry and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate.
XXXX XX/XX/2022 | null | EQUIFAX, INC. | KS | 66801 | null | Consent provided | Web | 2023-09-08 | Closed with explanation | Yes | null | 7,522,757 |
2023-04-20 | Debt collection | Payday loan debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | False statements that I owe them funds.
I have never done business with this company.
Continues to report this as open account.
Continues to try to collect funds after cease and decease letter.
Continues to defame my character. | null | V and H Portfolio | LA | 70058 | null | Consent provided | Web | 2023-04-20 | Closed with explanation | Yes | null | 6,869,008 |
2019-05-29 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | CHOICE RECOVERY INC # XXXX I dispute this account I have never done any business with this company. Please forward me any and all documentation concerning this debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY INC Provide verification of the following account # XXXX. please fill out and return the attached CREDITOR DISCLOSURE STATEMENT, or I can not take this account to be valid. | Company believes it acted appropriately as authorized by contract or law | Choice Recovery, Inc. | OH | 43062 | null | Consent provided | Web | 2019-05-29 | Closed with explanation | Yes | null | 3,255,963 |
2022-08-26 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | Chime aka XXXX XXXX within 12 hours made the determination based on " internal factors '' that my purchases were authorized.
Chime did not initiate a chargeback on my behalf and simply denied my dispute.
These were manually keyed transactions and I indicated that several people at the store had access to my card ( this would be probable cause with any other bank.
Regulation E requires banks to take into account assertions made by customers when looking to assess liability.
Chime stopped all contact with me since I filed. | null | Chime Financial Inc | MI | 49009 | null | Consent provided | Web | 2022-08-26 | Closed with explanation | Yes | null | 5,919,039 |
2020-09-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them. | null | EQUIFAX, INC. | NY | 11101 | null | Consent provided | Web | 2020-09-23 | Closed with explanation | Yes | null | 3,862,082 |
2023-06-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I did not give XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section XXXX of this title that such information XXXX be disclosed. I did not receive any of the XXXX disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation.
XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.
USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission which is another violation.
TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with XXXX XXXX ( on an unknown date because my consumer report is showing two different dates ) but had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision. There is no evidence of indebtedness, the only evidence of the debt was the agreement I signed but because of the uniformed decision that agreement is null and void.
My complaint is also with three bureaus TransUnion, XXXX and XXXX who are allowing XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.
USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give TransUnion, XXXX, or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681 for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.
For those four violations from XXXX XXXX I am seeking {$4000.00} in remedy under 15 USC 192k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 770XX | null | Consent provided | Web | 2023-06-06 | Closed with non-monetary relief | Yes | null | 7,078,395 |
2022-04-01 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I just got a preliminary title report on my house and I realized there was a XXXX " judgment renewal '' filed by XXXX XXXX XXXX on behalf of FORD MOTOR CREDIT COMPANY LLC.
Apparently XXXX XXXX XXXX filed a lawsuit and obtained a " default judgment '' on some vehicle around XXXX.
I don't recall ever having a vehicle financed by Ford Motor, nor I ever heard of a lawsuit against me on that matter.
Today, XXXX, I called the office of XXXX XXXX XXXX at ( XXXX ) XXXX to find out what this was about, and a male representative answer the phone and after obtaining the last four digits of my social security proceeded to accuse me of " irresponsible '' for not paying my debt.
This guy asked me if I ever owned a XXXX vehicle, I said back in XXXX there was some vehicles owned/leased by my company but my company was closed due to the Market crash of XXXX and I also stated that I never heard of a lawsuit regarding their claims. He proceeded to lecture me on " it doesn't matter if you were notified or not about the lawsuit, the bottom line is this is your social security and therefore you owe the money. ", He further stated " you just admitted you or your company owned this vehicle. Plus knowing or not knowing about the lawsuit doesn't exempt you from the debt ''. I told him that I didnt recognize this debt and if he could please provide me information about it, but he barked " I am not going to assist you in providing you any document for you to challenge this debt, you need to contact the court for that. You need to pay regardless. '' I asked him if he was employed by XXXX XXXX XXXX, he responded he was. At that point I informed him that I was recording the call and that I was going to complaint against them, because all I wanted to tell them this debt must be an identity theft, because I remember in XXXX a lot of people got their information stolen to the extend that thieves purchase not only vehicles but real estate properties. I told him my intention was to together work to find the truth, instead I got a very aggressive individual that basically called me a liar.
This employee should be either re-trained or fired. He twisted every work I use to try to explain the reason of my call and tried to intimidate me by suggesting that even if I file a lawsuit against XXXX XXXX XXXX, since they do this every day, it would cost me a lot of money to fight them because they will prevail in the end. I felt like a criminal.
Anyway, I need to find now an attorney to help me resolve this matter. In doing research of their lawsuit I see that they " published '' their notifications of the court in a newspaper. This alone is ridiculous because I have had the same address since XXXX and same phone number since XXXX. I don't know how XXXX XXXX or XXXX XXXX XXXX, conveniently they could not reach me.
XXXX XXXX XXXX have very abusive collecting practices and they need to be stopped. | null | FORD MOTOR CREDIT CO. | CA | 92507 | null | Consent provided | Web | 2022-04-02 | Closed with explanation | Yes | null | 5,396,701 |
2019-11-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The report includes the names of three people ( myself, my brother and my father ). As a result various credit cards, car loans and other items are listed under my report. Each individual has of course a separate unique SSN making this error hard to understand.
I tried to file a complaint with Equifax directly, yet the company seems unable to resolve the issue and my account is put on hold. The obvious problem is that without access to my credit report, it is impossible to verify the items on it and file a request to correct such items. These items are equally required to verify my identity, yet are not related to myself in any way. It essentially becomes a circular reference which the company is unable to resolve.
At the core, I am only trying to finalize my name change after my recent marriage. Unfreezing and updating my credit report is required for my SSN name update. The whole situation is just incredibly stressful and entirely cause by ( likely human ) error on Equifaxs end.
Considering the ongoing problems with Equifax and the apparent inability of the company to manage its IT infrastructure, any help from your end to resolve the issue.
Thank you, XXXX | null | EQUIFAX, INC. | NY | 10036 | null | Consent provided | Web | 2019-11-02 | Closed with explanation | Yes | null | 3,426,034 |
2019-08-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | Today XX/XX/2019, I received information from TransUnion regarding my dispute that I mailed to TransUnion on XX/XX/2019, showing that they completed an investigation of my disputed items reporting on my credit report. Transunion letter is dated XX/XX/2019, which is impossible for TransUnion to have received my dispute letter via U.S. Postal regular mailing and have completed an investigation. I have been disputing Bankruptcies chapter XXXX and XXXX XXXX, and XXXX reporting on my credit file. My recent dispute, I asked for Method of Verification original documents from the furnisher that has my complete name, social security number, date of birth, and my dated signature. Transunion has failed to provide me with any documentation. I also stated that XXXX XXXX system would not be acceptable. I provided them with US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE XXXX, TN letter from court. Third party vendors can not be used as verification of an accurate reporting. Per FCRA, TransUnion must provide me original documentation with my name, social security number, dated signature, and date of birth. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 37209 | null | Consent provided | Web | 2019-08-25 | Closed with non-monetary relief | Yes | null | 3,353,123 |
2023-01-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On my Equifax credit report, my Name is listed as XXXX XXXX XXXX with a social security number of XXXX. This is not my name or social security number. My name is XXXX XXXX with a social security # of XXXX | null | EQUIFAX, INC. | IL | 60628 | null | Consent provided | Web | 2023-01-26 | Closed with explanation | Yes | null | 6,492,452 |
2018-02-20 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Application denied | I applied for a new Citi AAdvantage Platinum Select Mastercard on XX/XX/XXXX.
I was instantly denied for the following 2 reasons : 1. Too many recent credit inquiries are recorded on your credit bureau report ; and 2. Your credit report reflects a lack of recent installment loan information I feel that I have been discriminated against by Citi and my credit application has been denied on frivolous grounds.
I have a superior FICO credit score of XXXX, and a relationship with Citicards that spans over 10 years. My accounts have always been in good standing.
At the time of application, I only had 3 hard inquiries in the last 6 months, 1 of which was in XX/XX/XXXX for the same Citi Mastercard application as the one above.
I fully own my house, and naturally would not require any installment loan. I should not be penalized for this.
Despite repeated attempts to contact Citi for a detailed explanation for the denial, no additional information has been provided. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 90068 | null | Consent provided | Web | 2018-02-20 | Closed with explanation | Yes | null | 2,819,856 |
2023-01-18 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC | null | Resurgent Capital Services L.P. | MI | 48227 | null | Consent provided | Web | 2023-01-18 | Closed with explanation | Yes | null | 6,453,847 |
2019-10-08 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | For almost 2 months now I have had issues with MyFedLoans incorrectly charging my account. I am in " paid ahead status '' on all of my loans, but despite this, they've told me their computer system does an equation ( which they don't know ), that calculated my loans would not be paid off in time so my monthly amount went up almost {$200.00}. Despite countless phone calls and conversations with managers that said they saw the problem, would work on it personally, and call me back directly, they issue was never fixed. I took it upon myself to refinance with a different company who paid off all but XXXX of my loans serviced through my fed loans ( I did not switch XXXX loans because they had a lower interest rate with Myfedloans ). I saw my full direct payment was going to come out of my account from Myfedloans despite having most of my loans newly paid off. They told me they couldn't stop the payment, but if I called back after the fact they could place it all on the loan of my choosing. I called back and they said that they couldn't change anything. After my loans were paid off my monthly amount due initially went from {$1600.00}, to {$110.00}. Now after a few days the computer has reset it back to {$1600.00}. Also, despite being paid off the system has not yet marked my loans " paid in full '' ( 15 days later ). I have discussed this staff at MyFedLoans who told me it would take a full 20-30 days to mark as paid in full, and that I " over paid '' on some of the loans and the computer would reflect that by placing that over payment on my remaining loans.
I have absolutely ZERO confidence that this company is going to be able to correctly fix any of the issues that I am having. Their customer service representatives have consistently tried to explain at length issues with my account they clearly do not understand and make absolutely no sense. Calling and speaking with their " supervisors '', does absolutely nothing to resolve any issues. I've now over paid on loans that should reflect being paid off and they are STILL trying to charge me large sums of money every month even when I have such a small loan remaining. I desperately need help. I need a definitive solution for these on-going issues. | null | AES/PHEAA | PA | 190XX | null | Consent provided | Web | 2019-10-08 | Closed with non-monetary relief | Yes | null | 3,399,974 |
2021-08-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/2021, Money Lion appeared on my credit report showing a balance of {$500.00} for a loan. I have never heard of this company and definitely did not request or receive a loan from them. I called Money Lion on XX/XX/2021 and spoke with XXXX. She took my complaint and told me she would submit it to their fraud dept. i immediately filed a dispute with all three credit bureaus and on XX/XX/2021 I called back and was told they couldnt find a loan in my name. XX/XX/XXXX, I received an email from XXXX stating they would not remove it because its accurate. IT IS NOT ACCURATE, therefore, Im filing a complaint with you. | null | MoneyLion Inc. | OH | 43068 | null | Consent provided | Web | 2021-09-09 | Closed with explanation | Yes | null | 4,659,777 |
2023-07-17 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | I was charged over a month worth of transaction by this merchant. I contacted the bank and on the 14th day of the dispute was told they denied my dispute saying this We closely reviewed your case, including evidence provided by the merchant, and found that no error occurred. You have a right to request a copy of the documents relied upon in the investigation determination.We closely reviewed your case, including evidence provided by the merchant, and found that no error occurred. You have a right to request a copy of the documents relied upon in the investigation determination When I responded to the email and told them I was hospitalized at the time the transactions were made and sent them copies of my paperwork from the hospital they still denied my claim. I requested the documents used to make this decision I did not receive a reply. However the bank refunded two of the multiple transactions from the same merchant.Ive contacted the merchant several times since then and keep being told a manger will give me a call back and no one has returned my calls. I was told by customer service at the hotel that the rooms were booked under a last name similar to mine and the phone number nor the address listed on the reservations is mine. Yet no one has called me back to resolve this issue and the bank denied my claim simply because they can.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | FinCo Services Inc DBA Current | NJ | 08016 | null | Consent provided | Web | 2023-07-17 | Closed with explanation | Yes | null | 7,265,687 |
2018-05-30 | Checking or savings account | Checking account | Managing an account | Problem accessing account | I am attempting to link my CapitalOne account with an external application called XXXX. I am receiving a message that states this is unauthorized access.
I have the right to see my financial accounts and to access them. | null | CAPITAL ONE FINANCIAL CORPORATION | TX | 78412 | null | Consent provided | Web | 2018-05-31 | Closed with explanation | Yes | null | 2,921,753 |
2023-08-03 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | After reviewing your response to the complaint that I submitted to the CFPB, I find your response to be grossly incorrect and inadequate. Your response includes assertions that are false, misleading, and completely unresponsive to the facts that I presented in my complaint.
In Chases response, you claimed that I stated that my pin was not written down.
I never stated this.
Your letter states that we have enclosed copies of the claim letters for your records.
There were no claim letters attached. Im beginning to think this is a form letter. Im also thinking that I am communicating with a robot not a person.
Your letter states that there are undisputed transactions at the same merchant location/terminal with similar dollar amounts.
Yes, I have made numerous withdrawals of money from the same ATM over the past years, but never six consecutive withdrawals at the same time. For example, if I walked down a street with money in my pocket and was robbed by a thief, I would go to the police and file a complaint. If I walked down that same street and was not robbed, I would have nothing to complain about. Right?
Also, as soon as I was advised by Chase regarding the {$370.00} fraudulent transaction ( literally minutes after the six fraudulent transactions were posted ), I responded by answering NO to whether I made this transaction. So, Chase was aware that I was disputing the transaction.
Yes, I didnt dispute the other five fraudulent transactions. Because I wasnt aware of them at the time.
Then you go on to state that we are not able to prove fraud occurred.
What?
You already suspected fraud by asking whether I made the withdrawal on XX/XX/XXXX. ( See above. ) Why would anyone make six consecutive withdrawals moments after midnight? ( One of which was flagged by the Chase security system. ) I have never made more than one withdrawal in a day. Not six consecutive withdrawals in a few minutes! In fact, I thought that I wasnt allowed to do this?
It seems that the only basis for your decision is that my password was used. In any case, you must be aware of scams that are employed to steal a customers password? I have heard that sometimes copies of an ATM transaction can be illegally made from an ATM machine.
Why should I, a Chase customer for over 25 years with six accounts maintaining an average balance of at least {$150.00}, XXXX a month, be held solely responsible for this apparent fraud.
THIS IS OUTRAGEOUS!
HERE IS THE RESPONSE THAT i RECEIVED FROM CHASE BANK We aim to give exceptional service and are sorry if we did not meet this goal when you contacted us about the ATM withdrawals from your account. We will address your concerns about your customer service experience internally. We reviewed your claim numbers XXXX and XXXX on XX/XX/2023, for the ATM transactions totaling {$940.00}. We denied the claims because we show the transactions were authorized and were completed without any invalid PIN attempts. You also stated your PIN was not written down. There are no signs of account takeover, and there are undisputed transactions at the same merchant location/terminal with similar dollar amounts. We are not able to prove fraud occurred. After reviewing our denial, we did not change our decision. We can not credit your account for the loss. We have enclosed copies of the claim letters for your records. The security of your information is especially important to us. We strongly recommend protecting your debit card, checks, and other account information from theft and unauthorized use. You can see suggestions for safeguarding your information in the Deposit Account Agreement and at chase.com/security. You were provided a copy of the agreement when you opened the account. You can review the current agreement by signing into your account on chase.com.
MY INITIAL COMPLAINT LETTER SUBMITTED TO THE CFPB ON XX/XX/2023 XX/XX/2023 Chase by Mail XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Account Number XXXX To Whom it May Concern : On XX/XX/XXXX there were six fraudulent transactions in my Chase Safire bank account. ( See Attachment 1 ) The fraudulent transactions were made at an ATM machine, operated by the XXXX XXXX in the XXXX XXXX. I have been using the ATM at this bank for six years. Apparently, someone was able to hack into my account and made six fraudulent transactions during a short period!
Chase must have realized that fraud was being committed because they sent me a message at XXXX XXXX on XX/XX/XXXX, asking me whether I attempted a withdrawal of {$370.00}. When I saw the message at XXXX XXXX, I replied No. At that time, I was not aware of the five other fraudulent withdrawals. I immediately received a message from Chase saying that my atm card was closed and that I would receive a new card. ( See Attachment 2 ).
On XX/XX/XXXX I noticed that in addition to {$370.00} fraudulent transaction, Chase had also credited me for the other five fraudulent charges. ( See Attachment 3 ) So, you can imagine how shocked I was on XX/XX/XXXX when I looked at my account online and discovered that all the fraudulent charges had been re-applied to my account! ( See Attachment 4. ) Of course, I called Chase immediately and they passed me on to the Fraud Department.
There I spoke with XXXX, a supervisor who told me that an investigation had been done, and that since my password was used, I was to be liable for all the charges. She said a letter was sent to me, advising me of the decision. The conversation was very short. When I asked her if she would call me back if we got disconnected. XXXX said, we wont get disconnected, When I asked if there was someone else, I could talk with about this matter, she said I could look that up on XXXX. As of today, I have not received the letter.
I have had an account with Chase for over 25 years. During most of that time, I have maintained four accounts with an average balance of more than the {$75000.00} minimum balance requirement to receive free checking. Usually more than twice that amount. In the past I have received excellent service from Chase including several warnings about suspicious transactions. As stated above, I even received a warning about these fraudulent transactions. However, in this instance Chase has let me down. The fact that a thief somehow hacked into my account and was able to make six consecutive fraudulent withdrawals and Chase was not able to stop this is outrageous and unacceptable.
I contend that given the information that I have presented above, Chase should restore all of the charges associated with these fraudulent transactions.
Sincerely, XXXX XXXX Attachments ( NOT ATTACHED ) | null | JPMORGAN CHASE & CO. | CA | 90026 | null | Consent provided | Web | 2023-08-03 | Closed with explanation | Yes | null | 7,347,845 |
2020-12-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands | null | EQUIFAX, INC. | NJ | 07206 | null | Consent provided | Web | 2020-12-14 | Closed with explanation | Yes | null | 4,010,372 |
2021-10-22 | Checking or savings account | Checking account | Opening an account | Didn't receive terms that were advertised | Opened a checking account with Citizens Bank online after discovering a sign on bonus of {$300.00}. The criteria- one {$500.00} deposit within 60 days of opening.
Opened the account with the {$10.00} minimum deposit amount XX/XX/21 On XX/XX/21deposited {$500.00}.
Since then- Ive had amounts from $ XXXX direct deposited into the acct.
I have called several times recently and can not seem to get a person. Only an automated system when dialing the contact us number provided on the Citizens website.
I was thinking of completely switching over from my main bank but I have reconsidered.
It says I shouldve received the bonus within 90 days of my qualifying deposit. That wouldve been XX/XX/2021. | null | CITIZENS FINANCIAL GROUP, INC. | MI | 48174 | null | Consent provided | Web | 2021-10-22 | Closed with monetary relief | Yes | null | 4,837,093 |
2018-01-04 | Checking or savings account | Savings account | Managing an account | Fee problem | Because I could not meet the minimum deposit amount I requested my accounts to be changed to simple accounts and pay a min of {$5.00} fixed maintenance fee instead of the {$14.00} or {$15.00} I was being charged. I just notice today that my checking got changed to a simple checking but not my savings account and I continue to get charged a $ XXXX monthly fee. These fees go back to when I originally opened these accounts in 2011. | null | TD BANK US HOLDING COMPANY | NC | 28078 | Servicemember | Consent provided | Web | 2018-01-04 | Closed with explanation | Yes | null | 2,771,789 |
2021-03-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | On XXXX XXXX XXXX Experian and XXXX responded to my complaint that I filed with the CFPB regarding Chapter XXXX bankruptcy that is on my consumer report each of the credit bureaus claimed that they verified this information with the Federal Courts, they never provided me with a name, address or person. It just states it was verified by courts. On XX/XX/XXXX I wrote to US Bankruptcy Court asking did they verify my information with credit buraus and they sent back the attached correspondence stating they do not verify records with credit reporting agencies. I also checked Experian and XXXX websites an it states they both verify bankruptcies with the courts. | 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 | 2021-03-15 | Closed with non-monetary relief | Yes | null | 4,213,880 |
2023-08-10 | 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 | It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28601 | null | Consent provided | Web | 2023-08-10 | Closed with non-monetary relief | Yes | null | 7,384,032 |
2022-05-20 | 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 sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | LA | 70815 | null | Consent provided | Web | 2022-05-20 | Closed with non-monetary relief | Yes | null | 5,585,092 |
2022-02-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I SENT A DISPUTE TO TRANSUNION, XXXX, AND XXXX TO DISCLOSE THEIR METHOD OF VERIFICATION. IT CAME BACK VERIFIED BY XXXX XXXX. I CONTACTED XXXX XXXX DIRECTLY AND THEY SAID THE INFORMATION WAS verified BY THE COURTHOUSE. I CONTACTED THE COURT DIRECTLY AND THEY SAID THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. WITH THAT BEING SAID THIS INFORMATION IS unverifiable AND NEEDS TO BE DELETED IMMEDIATELY. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 48224 | null | Consent provided | Web | 2022-02-10 | Closed with non-monetary relief | Yes | null | 5,207,500 |
2020-10-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IN | 46312 | null | Consent provided | Web | 2020-10-27 | Closed with explanation | Yes | null | 3,920,762 |
2023-04-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Hello, I am writing to dispute several violations of federal laws committed by the creditor regarding my credit report. I am extremely frustrated and emotionally distressed due to the negative impact these violations have had on my life.
My correct name is XXXX XXXX but bureaus are reporting it as a XXXX XXXX. Also my current address is XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX. And my wrong Employers is XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
The creditor has reported inaccurate information on my credit report, including multiple addresses that I have never lived at. These inaccuracies have affected my credit score, and have made it difficult for me to obtain credit and loans at reasonable rates. The creditor has violated several federal laws including : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) - This section requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. The inaccurate reporting of multiple addresses may be a violation of this section.
Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e - This section prohibits debt collectors from using false, deceptive, or misleading representations in the collection of a debt. Reporting inaccurate addresses may be a violation of this section if the debt collector knew or should have known that the information was false or misleading.
Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 6821 - This section requires businesses to implement reasonable policies and procedures to protect sensitive consumer information from unauthorized access or disclosure. The failure to protect sensitive consumer information resulting in inaccurate reporting of multiple addresses may be a violation of this section.
Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. - This law requires lenders to provide borrowers with certain disclosures about credit terms and costs. While the reporting of multiple addresses is not a direct violation of TILA, it may be a violation if the incorrect reporting is tied to an inaccurate disclosure of credit terms or costs.
Real Estate Settlement Procedures Act ( RESPA ) - 12 U.S.C. 2601 et seq. - This law requires mortgage lenders to provide certain disclosures to borrowers and prohibits certain practices, such as kickbacks for referrals. Reporting incorrect addresses could be a violation of RESPA if it is tied to a failure to provide required disclosures or if it is tied to a kickback scheme.
Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 et seq. - This law prohibits lenders from discriminating against borrowers on the basis of certain protected characteristics, such as race, gender, or age. Reporting incorrect addresses could be a violation of ECOA if it results in a lender using inaccurate information to make a discriminatory decision.
Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 et seq. - This law requires credit card issuers to provide certain billing error resolution procedures to cardholders. While the reporting of multiple addresses is not a direct violation of the FCBA, it could be a violation if it is tied to a failure to properly handle a billing error dispute.
These violations have caused me significant financial harm and emotional distress. I have been denied credit and loans, and have been forced to pay higher interest rates due to the inaccurate reporting. It has also caused me significant stress and anxiety, as I feel like my financial security and future opportunities have been compromised.
I request that you enforce the legal provisions that have been violated, and that the creditor be required to remove the unverified accounts from my credit report. I also request that the creditor be held accountable for the financial and emotional harm they have caused me.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19013 | null | Consent provided | Web | 2023-04-12 | Closed with non-monetary relief | Yes | null | 6,831,334 |
2022-09-02 | 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 | tI have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please remove this account : XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90008 | null | Consent provided | Web | 2022-09-02 | Closed with non-monetary relief | Yes | null | 5,938,825 |
2018-03-23 | Debt collection | Credit card debt | Threatened to contact someone or share information improperly | Talked to a third-party about your debt | Tranfer acc to another lender never did a Contracts with Afini, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX also was never inform about this decisions, also calling me people that I dont know calling my job never receive letters the main company never discus with me nothing per hippa law my information shout be private not to send to people that never did Contracts with them also dispute all this on XXXX past more that 45 days no info receive? | null | AFNI INC. | FL | 33015 | null | Consent provided | Web | 2018-03-23 | Closed with explanation | Yes | null | 2,851,950 |
2022-09-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have contacted Experian multiple times about old accounts. Example. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( some up to XXXX years old ) that keep reappearing on my credit report, and I have attempted multiple times to dispute the information as inaccurate because it keeps reporting closed accounts as in collections ( I have paid them off and they are satisfied ) and are reflecting delinquent on my credit report. Experian has verified the information they are reporting as accurate which it is NOT. This is unacceptable. Not only is this illegal but also hindering my credit score from progressing. This needs to be resolved before I begin a lawsuit. Old accounts that are satisfied CAN NOT continue being reported as delinquent. Thank you for your time -XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 493XX | Servicemember | Consent provided | Web | 2022-09-16 | Closed with non-monetary relief | Yes | null | 5,985,217 |
2021-12-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Im getting very frustrated with this credit reporting company. I have provided them with all the necessary documentation to remove accounts that do not belong on my credit report and have yet to get any progress. I am trying to purchase a home for myself and my kids and I am being held up by this companies mistakes and lack of urgency about my report. Other credit reporting companies have received equal documents and have acted accordingly. I have attached those reports. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 20850 | null | Consent provided | Web | 2021-12-21 | Closed with non-monetary relief | Yes | null | 5,030,583 |
2018-12-03 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | I received a letter stating that I had an owed balance with XXXX. I contacted the company and was told that my balance was {$29.00}. I have not utilized there business since XX/XX/2013. I paid the amount owed, in full. Now, I have a derogatory item on my credit report about some bogus charge that XXXX has turned over to a collection agency in the amount of {$220.00}. This is a zombie debt that is of no value and it is hurting my credit score. | null | Southwest Credit Systems, L.P. | OK | 73507 | Servicemember | Consent provided | Web | 2018-12-03 | Closed with explanation | Yes | null | 3,090,185 |
2018-06-11 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | i recieved a collection letter from RECEIVABLE MANAGEMENT SERVICES stating i owed XXXX car insurance for XXXX i have informed them and XXXX that i have not had car insurance in my name since XX/XX/XXXX/XX/XX/XXXX the vehicle i own which is a XXXX XXXX XXXX has always been insured under my domestic partner insurance XXXX XXXX XXXX XXXX with XXXX the prior vechicle I had was a XXXX XXXX XXXX that was totaled out by XXXX in XX/XX/XXXX. At which time we bought the XXXX at XXXX XXXX in XXXX Florida and then transfered the insurance from one vehicle to the next.NEVER DID WE EVER NEED OUTSIDE INSURANCE FROM XXXX. I have sent on several occassions to this company the declaration page from XX/XX/XXXX stating when this vehicle was insured and they continue to refuse to remove this debt from my credit report and harass me for a payment. I have been a victim of id theft in the past. I have called and spoke to various people at this company and there has been no resolve. My XXXX XXXX XXXX vehicle has and still has full coverage on it by XXXX XXXX XXXX XXXX with XXXX since the date of purchase. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | The Receivable Management Services LLC | FL | 34639 | Servicemember | Consent provided | Web | 2018-06-11 | Closed with explanation | Yes | null | 2,932,165 |
2016-10-28 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | On XX/XX/XXXX I went online to review my credit report. I noticed an account from Credit Collection Services located in for a {$240.00} Insurance bill. I did not recognize this account so I sent a letter to the agency requesting validation of this debt. I specifically asked for proof bearing my signature as I have been subject to identity theft in the past while away in the military.
Credit Collection Services signed for the account on XX/XX/XXXX and immediately responded by sending me a bill with an address that I never lived nor do I recognize.
I asked for documents showing proof of my signature that I actually opened an account for insurance with XXXX. I have only ever used XXXX insurance companies, XXXX and XXXX.
This account is having a negative impact on my credit score. I have been turned down for loans because of this account.
A bill is not proof that I owe this debt as anyone can gain access to my SS # and get bills in my name.
Since I have sent this letter requesting the account to be validated or deleted, Credit Collection Services decided to place this on my XXXX credit report and my score took a tremendous hit.
I will pursue this to the fullest extent of the law and even take actions to have a class action lawsuit file as I know a few people who have experienced the same issue with Credit Collection Services. | Company believes the complaint is the result of a misunderstanding | CCS Financial Services, Inc. | FL | 33321 | Servicemember | Consent provided | Web | 2016-10-28 | Closed with explanation | Yes | No | 2,185,101 |
2020-10-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.
Account Name : XXXX Account # : XXXX | null | EQUIFAX, INC. | AL | 36116 | null | Consent provided | Web | 2020-10-20 | Closed with explanation | Yes | null | 3,908,886 |
2019-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There are several inquiries on my credit report due to XXXX XXXX. An injunction was filed on her in XXXX County due to stalking, feeling unsafe, and identity theft. The only inquiries that are accurate are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. All other inquiries are fraudulent and have not been removed after several attempts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32301 | null | Consent provided | Web | 2019-05-26 | Closed with explanation | Yes | null | 3,254,018 |
2022-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 17110 | null | Consent provided | Web | 2022-05-04 | Closed with non-monetary relief | Yes | null | 5,537,304 |
2017-03-28 | Debt collection | Medical | Disclosure verification of debt | Not given enough info to verify debt | Account Resolution Services has been unable to provide proper documentation validating this account. I am seeking immediate action and for the to remove this negative information permanently from my credit reports. Account Resolution is violation of the HIPPA laws. I have sent multiple letters on XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017, asking this company to verify this account and I have not recieved a satisfactory response. The only response I have received is a general bill asking for a payment of {$1200.00}. This this the letter sent to Account Resolution Services for validation of the account.
This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2017. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.
Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under the federal law. Compliance with this request is required under the laws of state and federal statutes.
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.
4. What was the original date of delinquency for this amount?
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
6. What did you pay for this account, and how did you calculate the current amount owed?
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or compliants with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.
In addition, the Fair Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.
I have sent a copy of the request for validation to the XXXX Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | HCFS Health Care Financial Services, Inc. | TX | 75702 | null | Consent provided | Web | 2017-03-28 | Closed with explanation | Yes | No | 2,407,849 |
2022-07-30 | Student loan | Private student loan | Dealing with your lender or servicer | Trouble with how payments are being handled | I made a payment online and received a payment confirmation email on XX/XX/XXXX. The due date for the payment was XX/XX/XXXX. Then noticed a few days later I started getting late notices ... .I tried emailing them but their email returned invalid. I checked online and saw that they doubled my pay as well as added a late fee. It went from XXXX to XXXX and added another XXXX equal {$160.00} I need for them to accept the payment that I already made as well as remove any late pay that they would attempt to report to the bureau. This is predatory because they know I'm trying to get into an income based payment plan and their policy requires that you have 12 consecutive on time payments to qualify. This is predatory. | Company believes it acted appropriately as authorized by contract or law | SLM CORPORATION | PA | 15205 | null | Consent provided | Web | 2022-07-30 | Closed with explanation | Yes | null | 5,825,195 |
2017-05-30 | Student loan | Private student loan | Struggling to repay your loan | Problem lowering your monthly payments | On XXXX XXXX we contact ed Discovery Student Loans to n egotiate a longer repayment term in order to reduce the monthly payment amount - While polite they would not extend the term to 30 years which would probably allow me to make the loan payments without going into default. | null | DISCOVER BANK | PA | 18104 | null | Consent provided | Web | 2017-06-01 | Closed with explanation | Yes | null | 2,497,008 |
2023-09-13 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I need to inform you that I am writing to dispute several items on my credit report that I believe to be inaccurate and the result of identity theft. I recently obtained a copy of my credit report from TransUnion, and I was shocked to discover these discrepancies, which are negatively impacting my creditworthiness. The following accounts have been identified as unauthorized and were opened in my name :, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I remain determined to see this matter resolved expediently and accurately. Failure to do so will not be tolerated, and I am prepared to pursue all available legal avenues to protect my rights and financial future. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11218 | null | Consent provided | Web | 2023-09-13 | Closed with non-monetary relief | Yes | null | 7,545,714 |
2023-07-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose | null | Rogers, Morris & Ziegler, LLP | IL | 60649 | null | Consent provided | Web | 2023-07-07 | Untimely response | No | null | 7,219,119 |
2023-01-04 | Credit card or prepaid card | Store credit card | Fees or interest | Charged too much interest | I accidentally sent my XXXX/Sychrony payment of XXXX to XXXX Card on XX/XX/XXXX. The amount was not due until XX/XX/XXXX. I did not discover my error until XX/XX/XXXX. At that time, I set up an ACH payment on XX/XX/XXXX for my additional purchases plus the last balance of XXXX. These additional payments were not due until XX/XX/XXXX XXXX/Sychrony calculated interest not on the 10 days that the XXXX was past due but on average daily balance daily balance of XXXX. How they calculate that number I can not find out.
There is a disconnect between in the credit card industry and the consumer. How can I be charged interest on something that is not past due?
I have since got them to waive the late fee but not the excessive interest charge. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | FL | 34748 | Older American | Consent provided | Web | 2023-01-04 | Closed with explanation | Yes | null | 6,397,052 |
2017-12-05 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Problem with a company's investigation into an existing issue | Problem with personal statement of dispute | ON XXXX XXXX OF 2017 AS OF EASTERN TIME XXXX XXXX, AS A CITIZEN OF THE UNITED STATES AND XXXX TRIED TO OBTAIN A CREDIT CARD WITH DISCOVER. A REASON IN WHICH I FIND TO BE OBNOXIOUS SEEMS THAT THEY HAVE DECLINED ME DO TO CREDIT BUREAU INQUIRIES WHICH I FIND HIGHLY UNTRUE DUE TO THAT I HAVE N'T REQUEST FOR A CARD SINCE I JUST TURNED OF LEGAL AGE. ANOTHER ISSUE IS THAT WHEN SPEAKING TO AN AGENT OVER LIVE CHAT SPECIFICALLY AGENT XXXX CLAIMED TO HAVE APPROVED ME, I PROVIDED THE DOCUMENTS NEEDED, I HAVE TOLD THE AGENT I WANTED THE CARD EMAIL TO MY WORKPLACE SO HE ASKED FOR DOCUMENTATION WHEN I TRIED TO FOLLOW, IT SEEMED AS THE LIVE CHAT HAD ENDED. I THEN WHEN ON TO ASK ANOTHER AGENT AND THE AGENT WAS VERY UNHELPFUL AS TO GIVING ME A REASON WHY ONE IS DECLINING ME AND THE OTHER APPROVED ME AS WELL WHY HAVE ME SUBMIT ALL OF MY PERSONAL DOCUMENTATION. I FEEL AS THIS HAS BEEN A FREUD ON THE BEHAVE OF DISCOVER. | null | DISCOVER BANK | NY | 11433 | null | Consent provided | Web | 2017-12-05 | Closed with explanation | Yes | null | 2,746,425 |
2023-03-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | null | EQUIFAX, INC. | NY | 117XX | null | Consent provided | Web | 2023-03-24 | Closed with explanation | Yes | null | 6,737,230 |
2023-03-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I investigated my credit report, I realized that some of the information was erroneous. XXXX Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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. | GA | 30008 | null | Consent provided | Web | 2023-03-14 | Closed with non-monetary relief | Yes | null | 6,696,923 |
2020-05-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Tried and thought we were approved for the deferment online. The website stated we were approved. One week later they sold our loan and stated our next month payment was due to the new company. I received an email asking to pay the current months bill but the website said I was approved for the deferment and we had a new mortgage company so I ignored the email. I have never been late and when I saw that they reported it to the credit companies they stated in a chat that others thought they were in deferment too and they ended the chat. I called and they said they couldnt fix the reporting and basically sorry about your luck. This is complete nonsense in a time like this!!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85296 | null | Consent provided | Web | 2020-05-13 | Closed with explanation | Yes | null | 3,649,475 |
2022-09-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter. | null | BMW Financial Services NA, LLC | CA | 91202 | null | Consent provided | Web | 2022-09-06 | Closed with explanation | Yes | null | 5,953,814 |
2023-02-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX - XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX - XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, North Carolina XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : XXXXXXXX XXXX XXXX CC : XXXX XXXX XXXX Division of consumer complaints Thank You, Sincerely, XXXX XXXX | null | EQUIFAX, INC. | NC | 28304 | null | Consent provided | Web | 2023-02-13 | Closed with explanation | Yes | null | 6,567,897 |
2022-10-11 | 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 acct. # XXXX and, XXXX XXXX XXXX XXXX XXXX has violated my rights. They continue to send me paperwork for phones i've never had and they were sent to an address im not familiar with at all. Also, the contract has a computer typed signature ... This is not my account at all.
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.
These negative, not-valid, erroneous accounts have caused me tons of stress and caused me to lose employment opportunities an some increased fees and money in my life... PLEASE HELP CFPB.
Thanks in advance | null | EQUIFAX, INC. | IL | 604XX | null | Consent provided | Web | 2022-10-11 | Closed with explanation | Yes | null | 6,074,687 |
2022-10-12 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | I DO NOT OWE THIS DEBT. NO MONEY IS OWED TO XXXX XXXX. XXXX HAS BEEN REPEATEDLY NON RESPONSIVE TO ME. APPARENTLY, IT ALSO FAILED TO BILL INSURANCE AND IS IMPROPERLY AND UNLAWFULLY BILLING ME FOR XXXX XXXX XXXX
CREDIT COLLECTION SERVICES UNLAWFULLY PLACED THIS COLLECTION ACCOUNT ON MY CREDIT BUREAU AND IS TRYING TO COLLECT ON A DEBT THAT IS NON EXISTENT AND UNLAWFUL.
ITS ACTIONS IN DOING SO ESSENTIALLY AMOUNTS TO EXTORTION. I HAVE CALLED, EMAILED, LEFT MESSAGES TO NO AVAIL.
XXXX IS ENGAGING IN DECEPTIVE BUSINESS PRACTICES.
IN ADDITION, SECTION 1681C ( A ) ( 5 ) REGULATES HOW LONG INFORMATION CAN REMAIN ON A CREDIT REPORT, BUT NO 1681C PROVISION REGULATES WHEN INFORMATION CAN INITIALLY BE INCLUDED IN A CREDIT REPORT.
PLEASE SEE TO IT THAT THIS ISSUE IS IMMEDIATELY RESOLVED AND PLEASE INVESTIGATE FOR WIDESPREAD ABUSE.
THANK YOU. | Company believes it acted appropriately as authorized by contract or law | CCS Financial Services, Inc. | CA | XXXXX | null | Consent provided | Web | 2022-11-02 | Closed with explanation | Yes | null | 6,080,134 |
2022-06-09 | Debt collection | Auto debt | False statements or representation | Attempted to collect wrong amount | In XXXX my car repossessed and the law office of XXXX, XXXX and XXXX took over the loan. I set up a payment plan of XXXX a month and I have never missed a payment as it is directly withdrawn. In XX/XX/XXXX I called to offer a settlement, they said I owed XXXX, I offered XXXX to settle. I was told that they would get back to me and I didn't hear anything from them. I still remained making payments. Then in XXXX of XXXX I called to make another settlement offer and they told me that I owed XXXX. I asked how that could be when the last time I called I owed less and it was showing my balance go down on the credit apps that I have, XXXX and XXXX XXXX. They told me that those apps don't show the correct information. But that still does not make up for the fact that my balance hasn't gone down and I've been making payments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CREDIT ACCEPTANCE CORPORATION | NY | 124XX | null | Consent provided | Web | 2022-06-09 | Closed with explanation | Yes | null | 5,651,431 |
2022-07-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | reporting two fraud credit accounts that has been on my report. | null | EQUIFAX, INC. | TX | 77642 | null | Consent provided | Web | 2022-07-20 | Closed with explanation | Yes | null | 5,791,301 |
2022-02-11 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | I contacted the collection agency on numerous occasions Portfolio Recovery us reporting this debt as a new debt they are reporting this debt as the date they purchase the debt from XXXX they are reporting XX/XX/XXXX as date which isnt true this collection was opened on XX/XX/XXXX this is a clear violation of the Fair Credit Reporting Act as it clearly states that that you can not report a charge off debt as the date your purchase the debt because they have altered the charge off date as the date purchase it is committing fraud | null | PORTFOLIO RECOVERY ASSOCIATES INC | NJ | 07104 | null | Consent provided | Web | 2022-02-11 | Closed with explanation | Yes | null | 5,213,354 |
2020-11-08 | Debt collection | Private student loan debt | Communication tactics | Frequent or repeated calls | This week several times I have gotten calls from Wells Fargo. They are wanting my school loan payment. Which is fine. But they call even after I have made a payment. They call often XXXX a day. 2 of which have no one there on the other line. Its offensive as I have made a payment. I spoke to a nice lady and she said she would file the report that I was getting excessive calls. Then the same hour I get calls.
But to get calls with no one there on the other line is rude and Im sure illegal.
I want to be called as a reminder of my payment. But not bullied. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IN | 47909 | null | Consent provided | Web | 2020-11-08 | Closed with explanation | Yes | null | 3,942,856 |
2023-06-26 | Checking or savings account | Checking account | Problem caused by your funds being low | Overdrafts and overdraft fees | Overdraft fees being charged and ATM fees being charged twice | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 765XX | null | Consent provided | Web | 2023-06-26 | Closed with explanation | Yes | null | 7,166,095 |
2022-05-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. | null | Jon Barry and Associates, Inc. | NC | 28054 | null | Consent provided | Web | 2022-05-05 | Closed with explanation | Yes | null | 5,545,771 |
2019-08-29 | Student loan | Private student loan | Dealing with your lender or servicer | Don't agree with the fees charged | XX/XX/19 Auto pay benefits were cancelled because of one auto loan payment was reversed.
I contacted the company but would not direct me to a supervisor. Giving me the run-around and putting Menon ridiculous wait times.
I have suffient funds in my account.
I have made loyal auto payments for the past few years and they cancel my benefits to lower my interest rate because of one incident. Navient was forced upon me and I have no choice but to agree to predatory terms and agreements. | null | Navient Solutions, LLC. | NY | 11355 | null | Consent provided | Web | 2019-08-29 | Closed with explanation | Yes | null | 3,358,499 |
2021-09-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I wrote them requesting an investigation into items that I believed were not right I have not received a reply from you or any acknowledgment that an investigation has begun. | null | EQUIFAX, INC. | NY | 11225 | null | Consent provided | Web | 2021-09-22 | Closed with explanation | Yes | null | 4,742,473 |
2021-03-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | On XX/XX/XXXX my vehicle XXXX XXXX XXXX was repossessed, at about XXXX, I immediately called Gm Financial to determine what monies I would need to pay to redeem my ve.hicle, the representative advised me to pay XXXX, which I did, the total amount came out to be XXXX including the service charge of the third party company, I was not fully advised of the details of what will happen once I redeemed my vehicle, in which I paid all fees and received my vehicle out of repo in less than 24hrs. I was in constant contact with the lender regarding my financial situation due to covid, my husband and I were unemployed during XXXX, and the business we had open was just getting off the ground as a restaurant caught in the pandemic issues. In XXXX my the vehicle was totaled, this week we were trying to get another vehicle is when I discovered that GM Financial had added to the credit report in a matter of days a repo on my credit report which prevented me from helping my daughter to purchase a vehicle, I called on the same day to speak with a manager in the finance department and was told that's what they do once a vehicle has been repossessed and then redeemed, I advised that this is an unfair practice, this is the first they have added this type of derogatory information to my credit report, and it was nothing they will be doing about removing this from my credit report.
I do not believe this is fair to add this to my credit report, being that I redeemed my vehicle in less than 24 hours, so from XX/XX/XXXX the date of repo, date redeemed XXXX, repo information added by XX/XX/XXXX, I need help to have this removed, we have as a family dealth with a lot including losing my mother in XX/XX/XXXX XXXX | null | General Motors Financial Company, Inc. | CA | 93004 | null | Consent provided | Web | 2021-03-20 | Closed with explanation | Yes | null | 4,232,224 |
2023-08-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 32967 | null | Consent provided | Web | 2023-08-24 | Closed with non-monetary relief | Yes | null | 7,444,786 |
2023-05-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file.
XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 | 33614 | null | Consent provided | Web | 2023-05-01 | Closed with non-monetary relief | Yes | null | 6,912,310 |
2021-01-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have Filed a dispute in regards to incorrect items on my XX/XX/XXXX credit Report. it has been well over 30 days and i haven't received any investigation results. | null | JPMORGAN CHASE & CO. | LA | 70461 | null | Consent provided | Web | 2021-01-09 | Closed with explanation | Yes | null | 4,058,031 |
2019-08-04 | Debt collection | Payday loan debt | Threatened to contact someone or share information improperly | Talked to a third-party about your debt | There are 2 related issues with this company ( collection/violation of Privacy ). I had an outstanding loan which I was told not to pay because the company had already written it off as Profit and loss ( meaning I should be receiving a tax form to include as income for my XX/XX/2019 taxes and that I would need to just pay taxes on the remaining balance-the company had already taken the loss ). The issue with this particular company XXXX XXXX XXXX starts on XX/XX/2019. I received a call from my husband questioning an outstanding loan. My husband told me he just received a call from someone named XXXX looking for me. My husband said he told XXXX he had the wrong number and identified himself as my husband. My husband gave XXXX my number and told him to contact me directly. XXXX then told my husband that he had attempted to contact me ( I had no messages of such ) and then asked my husband if he was aware that I owed this loan. My husbands reply was that he was not aware because we maintain our own finances. Once I received this call I contacted XXXX and recorded the conversation ( which he was aware of ). XXXX admitted clearly what he said to my husband and said he did not violate any privacy rights because Massachusetts allows for collection agencies to speak with a spouse - I explained to XXXX this was incorrect. I then told XXXX this was something I was instructed not to pay as it was already written off as loss by the loan agency so I didn't understand how his company obtained the file. XXXX insisted he was correct and that the company was in their rights. I have spoken to him at least 3 times since and explained that I was filing a complaint with the XXXX, CFPB, and Atty General as was advised by my Financial Counselor. I continue to get messages at least once a week. | null | Hidden Oak Group, Inc. | MA | 02721 | null | Consent provided | Web | 2019-08-08 | Closed with explanation | Yes | null | 3,328,434 |
2019-03-19 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | No contract. XXXX charged an early termination fee olus late charges when there was NO CONTRACT | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | CA | 94580 | null | Consent provided | Web | 2019-03-19 | Closed with explanation | Yes | null | 3,184,475 |
2019-02-21 | Vehicle loan or lease | Loan | Managing the loan or lease | Problem with the interest rate | hello I'm paying for a car loan too much interest of XXXX dollars a month just a little less than 50 % goes to the balance of the loan or is of interest charge XXXX dollars I've been paying almost a year XXXX and my balance shows that I paid just XXXX dollars Thank you | null | Santander Consumer USA Holdings Inc. | NY | 11375 | null | Consent provided | Web | 2019-02-21 | Closed with explanation | Yes | null | 3,159,250 |
2023-01-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | In the months of XX/XX/2021 and XX/XX/2021, I never received a bill from Nissan about my loan payment and therefore I was unable to pay the lease payment. As soon as I called them, I found out that I have an amount due and I paid it off right away. However, my credit score is still low and I am trying to get an apartment and I cant. I never had a late payment in the past and it is not my fault that this happened. Nissan forgot to update this information. Please remove this from my credit history. Nissan needs to update the payment in all major credit bureaus.Thank you. | null | NISSAN MOTOR ACCEPTANCE COMPANY LLC | NY | 11418 | null | Consent provided | Web | 2023-01-03 | Closed with explanation | Yes | null | 6,387,034 |