Date_received
stringlengths 10
10
| Product
stringclasses 10
values | Sub_product
stringclasses 30
values | Issue
stringlengths 16
80
| Sub_issue
stringlengths 11
85
| Consumer_complaint_narrative
stringlengths 9
31.8k
| Company_public_response
stringclasses 10
values | Company
stringlengths 3
82
| State
stringlengths 2
36
⌀ | ZIP_code
stringlengths 5
5
| Tags
stringclasses 3
values | Consumer_consent_provided?
stringclasses 1
value | Submitted_via
stringclasses 1
value | Date_sent_to_company
stringlengths 10
10
| Company response to consumer
stringclasses 6
values | Timely_response?
stringclasses 2
values | Consumer_disputed?
stringclasses 2
values | Complaint_ID
int64 1.29M
7.78M
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2018-03-20 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I Made a purchase with my citi bank expedia card. I made the Purchase on XX/XX/XXXX and was suppose to recive my order within a week. I did not receive my order or tracking and when I try to visit the website I ordered from I cant find it anymore. they never sent me an email confirmation of my order, receipt or tracking. it has now been over a month. Citi just resolved in favor of the merchant and still I cant be provided with a tracking number for my order or has the merchant tried to reach me.
amount {$1000.00} citi case id Case ID : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 91744 | null | Consent provided | Web | 2018-03-20 | Closed with explanation | Yes | null | 2,848,537 |
2017-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | On XXXX we tried to get a modification of our mortgage loan but we did not get it ; therefore, we decided to ask for a Short Sale approval. We got the approval from CHASE ( they had purchased the original lender ) on XXXX XXXX , and the whole short sale process was finished by XXXX XXXX . Almost 3 months later, on XXXX XXXX , we received a letter from Chase announcing again we did not qualified for modification and asking to take one of the options they explained to avoid foreclosure. Obviously, we did not pay attention since we supposed that eventually someone in CHASE would realize of their mistake. Unfortunately for us, it seems it was not the case, and a negative entry in our XXXX and XXXX reports says " Account paid after foreclosure started ''. I have filed this dispute to XXXX three times. The first time on XXXX XXXX XXXX , the only thing we got was a XXXX points reduction in my score. Second time, on XXXX , XXXX did nothing. On XXXX XXXX this year, we filed again a new dispute and sent proofs : Approval from CHASE ( XXXX XXXX ) , HUD Deed ( XXXX XXXX ), Mortgage Release ( XXXX XXXX ) and the inconsistent letter announcing a future Foreclosure dated XXXX XXXX XXXX . At the same time I faxed all these documents to CHASE. Today I got an alert from XXXX and the false statement is still there. I called XXXX and despite the fact of being their customer for many years, and even being totally aware of this false statement because the letter announcing foreclosure was produced and sent THREE M ONTHS AFTER we had settled, they said they can do nothing. | null | JPMORGAN CHASE & CO. | FL | 33178 | null | Consent provided | Web | 2017-05-26 | Closed with explanation | Yes | null | 2,494,068 |
2023-08-30 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | Received a collection letter in the mail from Debt Recovery Solutions , LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) dated XX/XX/2023. After receiving the letter on XX/XX/XXXX, In the letter, it stated a due date of XX/XX/2023 PLUS A DISCOUNT OFFER to settle the debt. ( See attached document ) I filed a report on their website on XX/XX/2023, stating that the loan in question was not mine and had been taken out using my XXXX identity information. The address used and bank deposited to were both in Utah. The loan originator had already determined the debt was not mine through documents submitted three or four years ago. I was never contacted again by the originator, XXXX XXXX XXXX nor current creditor, XXXX XXXX, XXXX, before DRS sent the debt collection letter last week.
I received a response from XXXX XXXX, XXXX, Vice President of Client Services for DRS on via email on XX/XX/2023, stating " We are in receipt of your email. We will request supporting documentation to be sent to you for your review. '' ( see screenshot attached ) Today, XX/XX/2023, DRS submitted notice of collection to the major credit bureaus. DRS and I were working through a good-faith dispute that certainly had no time to be resolved and they should not have reported this collection.
I am confident that the original documents will prove that the debt was taken out without my knowledge by parties unknown to me. The bad-faith tactics employed by DRS should not be legal and collection removed from my credit reports. | null | Debt Recovery Solutions, LLC | FL | 33626 | null | Consent provided | Web | 2023-08-30 | Closed with explanation | Yes | null | 7,474,678 |
2022-03-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. | null | EQUIFAX, INC. | FL | 34787 | null | Consent provided | Web | 2022-03-04 | Closed with explanation | Yes | null | 5,286,666 |
2023-01-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name # XXXX Account name # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.
15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MN | 55125 | null | Consent provided | Web | 2023-01-16 | Closed with explanation | Yes | null | 6,441,837 |
2021-03-15 | 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 identify theft the accounts listed in this doc and the doc attached have been furnished without my consent or my authorization. This has been damaging to my reputation as a consumer and violation of my right to privacy as a consumer. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30297 | null | Consent provided | Web | 2021-03-15 | Closed with explanation | Yes | null | 4,213,144 |
2020-10-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | I obtained a credit card with Macys ( card issued with Department Stores National Bank ) since 2003. I have used the card and paid it back throughout the 17 years. During this time, I noticed they have never reported the credit card on any of the 3 credit bureaus. I have contacted several times throughout these years. Each time they ask me to send a letter with my name, account number, full social, explaining the issue. I follow their steps and they dont resolve the issue. I did receive a letter 1 of those times saying it was resolved. Two weeks ago I checked and the card was not reporting. I contacted all 3 credit bureaus, and they confirmed it has never reported. I contacted macys again and once again they asked me to send them the letter with the same information. I did, and now they are giving me issues and do not resolve the problem. After 17 years, and several attempts from me to get this resolved, it still has not. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | XXXXX | null | Consent provided | Web | 2020-10-10 | Closed with explanation | Yes | null | 3,892,015 |
2022-02-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B | null | AES/PHEAA | PA | 19143 | null | Consent provided | Web | 2022-02-20 | Closed with explanation | Yes | null | 5,241,054 |
2022-05-02 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | This is the second complaint that I. am writing to the CFPB in regards to this issue of fraud that occurred while I was in the XXXX XXXX for the month of XXXX and XXXX XXXX. I ask Chime for proof of my signature and a copy of my passport and they have not given me these proofs that show that I made any transactions in that country. I need actual receipts and a signature and a copy of my passport showing the validity of these fraudulent charges.
I want for CFPB to publish this everywhere so everyone can see how awful, unjust and crooked is chime. They are the worst of the worst and I want to start a class action suit. | null | Chime Financial Inc | FL | 344XX | Servicemember | Consent provided | Web | 2022-05-02 | Closed with explanation | Yes | null | 5,530,025 |
2019-07-17 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Can't close your account | Refinanced my home too pay-off credit cards. all credit cards were sent cashiers checks and all but USAA took payment and closed accounts as requested in a few days. The first cashier check for {$8300.00} mailed by priorty mail on XX/XX/2019 and delivered and signed for by XXXX on XX/XX/2019. XX/XX/2019 I called USAA and they denied receiveing. I called title process company XXXX and they cancelled and re-issued a new check as per USAA agents precise directions overnight. Again signed for by XXXX. called USAA XX/XX/2019. They stated 10 business days too process the bank cashiers check extending the process until XX/XX/2019. I called XX/XX/2019. XXXX EXTXXXX executive resolution team confirmed the check was received but not processed and all not processed checks were immediately returned too sender. XXXX had not received the check back. XXXX the original processor again called USAA and Again cancelled and mailed another with the same information by overnite priorty mail. I count a minimum of 38 days past that USAA is charging 16.5 % on {$8300.00}. That check was issued by the re-finance for {$8300.00} when the the actual payment turned out too be {$8000.00}. I yet have no reply from this criminal USAA operation. 4.5 % is also being pd too refinance loan too on {$8300.00}, | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | WI | 531XX | Older American, Servicemember | Consent provided | Web | 2019-07-17 | Closed with monetary relief | Yes | null | 3,309,299 |
2017-07-07 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | Professional Credit Management continues to report a debt on my credit profile after I have disputed the account asking them to validate it is my account. They failed to validate the account with my social and my signature. They sent me an itemization showing what procedures were done at XXXX ( HIPAA violation ). I have no knowledge of the account so I asked for these pieces of information ( social and my signature ) to validate that it is actually my debt. The first letter was sentXX/XX/XXXX and the second one in XX/XX/XXXX. I have even offered to pay the amount they say I owe if they would remove it from my credit profile inXX/XX/XXXX. That request was denied.
I 've included an attachment to show when this account was opened. You will also see the remarks that shows I have disputed this. The opened date of XX/XX/XXXX also puts them outside of Arkansas Statue of Limitations for Medical Collection : Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).
I have not paid anything towards this debt and continue to go back and forth with them over an account that is being reported outside of my state 's statue of limitations. | Company believes it acted appropriately as authorized by contract or law | Professional Credit Management, Inc | AR | 72034 | null | Consent provided | Web | 2017-07-07 | Closed with explanation | Yes | null | 2,567,302 |
2022-06-28 | Debt collection | Medical debt | False statements or representation | Attempted to collect wrong amount | NATIONAL RECOVERY AGENCY is falsely reporting debt on my credit report. They are reporting two different accounts ; one in the amount of {$1200.00}, and another in the amount of {$970.00}. NATIONAL RECOVERY AGENCY is reporting both of these collection accounts, to all three credit bureaus with a false original date of XX/XX/2022. Both of these collections accounts are too old to be on my credit report. NATIONAL RECOVERY AGENCY is not legally allowed to report these debts to the credit bureaus according to the FCRA. It is the burden of NATIONAL RECOVERY AGENCY to prove that these collections reports are legitimate and they can not do so therefore these accounts must be removed from my credit report. NATIONAL RECOVERY AGENCY must stop reporting these accounts immediately as they are in violation of the FCRA.
XXXX has recognized through a dispute that these collections accounts are illegitimate and they have been forcibly removed by XXXX. Please see attached dispute report.
However, despite this NATIONAL RECOVERY AGENCY is continuing to report false information to the other credit bureaus.
NATIONAL RECOVERY AGENCY ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NTL RECOVERY AGENCY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | NRA Group, LLC | FL | 34476 | null | Consent provided | Web | 2022-06-28 | Closed with explanation | Yes | null | 5,717,715 |
2022-03-15 | Debt collection | Medical debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | Last year my son was very ill, it was around that time where I ended up in the emergency department at XXXX XXXX XXXX. When I was released, I went back to being inpatient with my son. I received a call sometime in 2020 about this bill from the collections agency. I had not received a bill from the hospital nor was I given the opportunity to work it out.
At the time, they explained to me where the bill was from and that if I didn't pay the amount in full, it will be reported to the credit bureau.
I had not seen the bill before and I was not in a position to pay the full amount in a short period of time.
In XXXX my credit score dropped drastically, this was due to Credit Control Corporation reporting this bill to the bureau as they threatened me with and followed through.
I called and explained I couldn't pay and said this was already in the bureau and nothing they could do and offered me a settlement which I couldn't do at the time.
In XXXX they reported the same debt again, and most recently in XXXX, last week. This is very unfair and XXXX practice. When I spoke to them, they said " to pay as little as I could when I could and not to worry about the bureau as this had already been reported '' this was not true. Instead they have been reporting it to all credit bureaus each month, making my credit drop for over 80 points and putting at risk my financial stability and established obligations with other creditors.
I ask to resolve this issue by Credit Control Corporation removing these reports that have been so damaging to me and my family ( last XXXX months ) and to stop reporting the same thing month over month. We are still battling with major illnesses and are willing to work something out when we are in a position to do so. However, under fcra and fdcpa I think the excessive reporting and contradicting information is a violation of my consumer rights. | Company believes the complaint provided an opportunity to answer consumer's questions | R & B Corporation of Virginia | VA | 23322 | null | Consent provided | Web | 2022-03-15 | Closed with explanation | Yes | null | 5,323,968 |
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 | In accordance with the Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A States I have the right to privacy.
15 U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 08054 | null | Consent provided | Web | 2022-05-05 | Closed with explanation | Yes | null | 5,547,312 |
2019-05-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | As a Missourian in concert with the state law one has the right to bring civil action against anyone including a consumer reporting agency, inwhom improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data. My instant issue here is that I have sent a demand to all of the 3 major credit reporting agencies to either provide me with physical documentation of these unknown and unauthorized accounts reporting on my credit file or to block, remove and/or delete these items immediately Pursuant to FCRA 611 ( a ), and the FCRA.
Accounts 1 ) XXXX XXXX {$4500.00} 2 ) XXXX XXXX XXXX {$30.00} 3 ) XXXX XXXX XXXX {$680.00} 4 ) XXXX {$72.00} 5 ) XXXX {$71.00} 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX of {$5600.00} 9 ) XXXX XXXX {$2800.00} Please remove all the about accounts from my credit data file. | null | EQUIFAX, INC. | MO | 631XX | null | Consent provided | Web | 2019-05-08 | Closed with explanation | Yes | null | 3,235,674 |
2021-01-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33647 | null | Consent provided | Web | 2021-01-06 | Closed with explanation | Yes | null | 4,051,545 |
2018-11-29 | Vehicle loan or lease | Lease | Managing the loan or lease | Problem with additional products or services purchased with the loan | I have a ldw ( loss damage waiver coverage and Gap insurance with Lobel Financial since XX/XX/XXXX i first financed my vehicle I've had this vehicle 1yr 10 months i am so close to paying it off. Car accident of My car was hit and ran i was not at fault on XX/XX/XXXX i submitted my police report to the company. After calling then endlessly and being hung up on multiple times vu the company 's Claims customer service rep, they eventually sen out an appraiser Two days later XX/XX/XXXX, she tokd me they'll have my repot the same day. I erged them to please expedite the process due to this situation holding me back from obtaining another loan for a vehicle because i do need to get to work with stable transportation. However i gabe them a call today XX/XX/XXXX amd was told the appraisal report was not sent to them so i hung up with the representative amd called the appraisal representative myself amd she informed me that my appraisal report was indeed sent on the same day XX/XX/XXXX, so the compnay definitely have it. Why are they making me sufder prolonging my claim? If they don't want to handlr thesw ttpes of things maybe theu shouldn't be in this type of business or providing tne tyoe od services they are offering, poor customer service and they give me the run around and hang up in my face, denying me to speak with a manger, they treat me like i am doing something wrong, like they are punishing me through dragging my claim out and getting me back on the road. I aksed then will tbey ne repairing my vehicle or would they be totaling it out so that I'll know what u meed to do for now however they are not giving me any answers when it is my right to know. This is sad because there's no other way to get in contact with anyone else for this company. I am very exhausted and emotionally botgeres dealing with this type of treatment from this company is this hie they treat their customers something big has to be done about this. I need more resources for getting this business recognized for these foul and negligent acts against consumers | Company believes it acted appropriately as authorized by contract or law | LOBEL FINANCIAL CORPORATION | CA | 953XX | null | Consent provided | Web | 2018-11-29 | Closed with explanation | Yes | null | 3,086,886 |
2021-07-24 | Debt collection | Credit card debt | False statements or representation | Attempted to collect wrong amount | On XX/XX/XXXX I received a response from Zwicker and Associates through this CFPB and contacted the number on the response. I made my first payment of {$50.00} on the {$2100.00}. on XX/XX/XXXX.
Today, XX/XX/XXXX I got paperwork in the mail which I can not attach a copy of that changes the amount both Zwicker and I agreed to to {$4600.00} plus interest plus filing fee of {$210.00}, service fee of {$62.00}, plus XXXX filing fee of {$39.00}, and am feeling threatened that if I don't agree and sign that if I don't sign I free them to take whatever action they deem necessary to collect more than what Zwicker and I agreed to after I filed my complaint. IF the initial lawyer had worked with me court would not have been necessary.
When I spoke with someone I was told that XXXX agreed to the {$2100.00} amount so the lawyers in XXXX PA are not representing their client correctly Paperwork attached below.
This is causing me unnecessary mental and emotional distress especially since I tried to resolve this account XX/XX/XXXX but was unable to. I was left with a very strong impression that XXXX would not allow them to work with me - I told them I could not afford {$290.00} a month then. I feel I am being harassed. | null | ZWICKER & ASSOCIATES | PA | 182XX | Older American | Consent provided | Web | 2021-07-24 | Closed with explanation | Yes | null | 4,571,357 |
2020-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} | null | EQUIFAX, INC. | AR | 72211 | null | Consent provided | Web | 2020-05-04 | Closed with explanation | Yes | null | 3,635,706 |
2021-03-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | In XX/XX/XXXX I pulled my credit report from XXXX and noticed an account listed as " Joint Account '' for SYNCB/CARE CREDIT. I have never been had a Joint Account with anyone other than my husband. I called and found out that this account is for Dental or Medical, I have always had full Medical and Dental Insurance through my husband 's employer, XXXX and would not need to have an account with Care Credit. My husband passed away in XXXX so I have no way of asking him if he knew anything about this account. I wrote to XXXX asking them to investigate this account because I am sure I never opened the account. Received the XXXX response to my request which was, " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' The report showed who the account holder is and I do know the person but I never opened the account as a joint holder with this person who used to work for us on and off and she moved out of state. This account was opened fraudently without my knowledge. The account holder could cause my perfect credit score to downfall or could open other accounts with my information since she apparently had access to it at one time. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | AZ | 85213 | Older American | Consent provided | Web | 2021-03-25 | Closed with non-monetary relief | Yes | null | 4,243,147 |
2022-10-13 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Card opened as result of identity theft or fraud | Ex was living with me and opened many things in my name. | null | CAPITAL ONE FINANCIAL CORPORATION | GA | 30083 | null | Consent provided | Web | 2022-10-13 | Closed with explanation | Yes | null | 6,084,262 |
2021-01-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I attended XXXX XXXX XXXX XXXX back in XX/XX/XXXX then due to circumstances with my family, I had to leave then re-enroll in XXXX. From that first enrollment, I was told by multiple financial aid advisors that I had no other account with them and that I am all up-to-date in my student loans. I received a few calls throughout XXXX regarding an overdue balance of {$4500.00}. I would ask when it was placed, ANY information regarding it and they would just say " you have a balance of {$4500.00} and It doesn't show me any other information after that. There's nothing else on your account so you should be all set. '' I thought it was super weird and suspicious that no one can tell me where this {$4500.00} came from and if it was from that first enrollment period then I can understand but nothing else showed in the system for them?
After not getting random phone calls every 4-6 months, I received a letter in the mail saying the account is in collections with ATG credit and you need to settle the amount of {$4200.00} immediately. I check my credit score regularly and immediately had seen at that moment it hit all 3 credit bureaus and my score dropped 30+ points. I explained to ATG credit that XXXX confirmed multiple times I do not have any unpaid balance with them and there is no record of that amount coming from anywhere else, not from my 1st enrollment or 2nd, NO WHERE ELSE.
It is extremely fishy and disheartning to see my credit score drop so drastically when I worked my XXXX off building it up to a good spot to buy a house in the near future and to be financially stable. I was at a great place with it, compared to where it was originally, and this collection account wiped away all that hard, earned work.
I disputed it multiple times with XXXX XXXX and XXXX but there has been no luck with XXXX. Both XXXX and XXXX removed the collection account from my reports but XXXX is, for some reason, keeping it on there. It is so frustrating because I had the same thing happen with XXXX XXXX and found out, through the XXXX that they are frauding accounts due to the pandemic. Please comply with the rest of the reports and remove the ATG Credit collection account for {$4200.00} off my XXXX credit report immediately. Thank you for listening! | Company believes it acted appropriately as authorized by contract or law | ATG Credit, LLC | PA | 160XX | null | Consent provided | Web | 2021-01-28 | Closed with explanation | Yes | null | 4,100,967 |
2022-12-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I sent you a letter last XXXX XXXX XXXX but I haven't got any response from you and according to the FCRA you are required to response within 30 days | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 711XX | null | Consent provided | Web | 2022-12-05 | Closed with non-monetary relief | Yes | null | 6,282,729 |
2020-04-19 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | I have contacted the company regarding this false information that they have placed on my credit report.
Commonwealth Financial Systems Inc.
XXXX XXXX XXXX XXXX, PA, XXXX Medical collection bill {$740.00} I do not owe this debt and I believe this was place in collection in error.
Please remove this inaccurate information from my credit report. | null | Commonwealth Financial Systems, Inc. | TX | 76014 | null | Consent provided | Web | 2020-04-19 | Closed with explanation | Yes | null | 3,613,371 |
2018-01-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/XX/XXXX ( documents attached). Come to find out that the last 2 payments made of $XXXX on XX/XX/XXXX and another for $XXXX a week after that (receipt of payments with confirmation # s uploaded) XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of $XXXX! This is after 12 changes they made within months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers! | null | NISSAN MOTOR ACCEPTANCE COMPANY LLC | CA | 91604 | null | Consent provided | Web | 2018-01-09 | Closed with explanation | Yes | null | 2,770,298 |
2017-12-04 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I have my Federal student loans serviced through Navient, who requires an annual income recertification to remain in an income-based repayment plan. I resubmitted my documentation in XXXX, yet the lender allowed my plan to expire on XXXX XXXX, which tripled the payment. I contacted Navient, whose representative stated that " they did n't know why my certification was not processed, '' but they did offer to put a forbearance on the account for two months to give time for me to submit a new request to update my plan or reenter my old income based repayment. This will add thousands of dollars of additional interest to the principal. This also happened in XXXX, where I was led to pay {$1400.00} to settle the elevated payment so I could remain current and avoid disqualifying myself for the public sector loan forgiveness program. | null | Navient Solutions, LLC. | MI | 49006 | Servicemember | Consent provided | Web | 2017-12-04 | Closed with explanation | Yes | null | 2,745,768 |
2017-08-16 | Debt collection | I do not know | Communication tactics | Frequent or repeated calls | For the past two months, I 've been getting calls from some debt agency that does not identify themselves in the message. And they 're not even calling for me! They 're calling for a friend that listed me as a contact! On XX/XX/17 I received a fourth call. The message is always the same : Your friend XXXX listed you as a contact and we 're trying to reach him. Can you please have him call XXXX. Is this not illegal? That number is connected to this business : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 5 years in business. XXXX XXXX XXXX. XXXX, MT XXXX. EMAIL WEBSITE. Fax Numbers. ( XXXX ) XXXX | null | GVA Holdings, LLC | NJ | 07042 | null | Consent provided | Web | 2017-08-22 | Closed with explanation | Yes | null | 2,645,845 |
2021-08-18 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | National Credit Systems has been attempting to collect a debt from an apartment complex. The lease of that apartment complex was terminated due to the landlord 's failure to maintain the premises. Mold, algae, and water intrusion were not remediated after the landlord was served a 7 day notice on XXXX XXXX XXXX. After the 7 day notice expired, tenant served landlord with notice of termination of tenancy XX/XX/. After moving out, the landlord failed to send a notice of intention to impose claim to security deposit to the address listed on the termination letter. The landlord is withholding security deposit and attempting to collect early termination fees and rent for the month that the lease was terminated. I do not owe those debts because the landlord failed to provide a habitable premises under Florida Statutes.
From FL statutes : Once tenant properly serves seven-day notice and the landlord fails to substantially resolve the issue within the seven-day time frame, the landlord is considered the party who breached the lease. At this point, the tenant can serve a second notice informing the landlord that the tenant wishes to terminate the lease and be sure to provide a move out date in such letter so the landlord knows when tenant is leaving. If the tenant properly gives the landlord a seven-day notice and terminates the lease in writing after the seven days expires, the tenant is not responsible for the 2-month early termination fee/liquidated damages.
Please see and review FL statutes 83.49, 83.51, 83.56.
A dispute was submitted to National Credit Systems on XX/XX/XXXX. The date is now XX/XX/XXXX and I have not received a decision from the dispute. I call National Credit Systems for information from the dispute and I am told that my account is in investigation status so they can not talk to me.
This attempt to collect is a malicious attempt by the landlord to collect funds in which I do not owe. Photos of the property show mold and algae growth over several months after the office was notified. No significant effort was made to remediate the property. A 7 day notice was given and soon after notice to terminate. All paper work signed and dated by the property manager.
XXXX XXXXXXXX will claim that the window was left open and resulted in mold growth. This simply is not true. This is an attempt by them to limit liability and shift blame to me. ( they wanted me to sign a non disclosure agreement when I left the property for the last time. ) I contacted XXXX XXXX on XX/XX/XXXX about the issue. I followed the guidance they gave me and the issue did not resolve. After contacting them several times after, nothing was resolved. I contacted an attorney and they provided guidance for me to find better living conditions. All of this was documented with daily photographs of the mold and recorded conversations with apartment management. The facts are this : I reached out for help, XXXX XXXX did not provide it so I served them with a notice to fix. They did not fix the issue, so I gave them a notice of termination. Now they are attempting to charge me for a contract they violated - as a result it was terminated in accordance with FL statutes.
National Credit Systems continues to report the account to the credit bureaus and refuses to update the dispute in a timely manner. This is not fair to me - a debt I do not owe is being reported to the credit bureaus and wounding my credit history. | null | National Credit Systems,Inc. | FL | 32117 | null | Consent provided | Web | 2021-08-18 | Closed with explanation | Yes | null | 4,641,735 |
2020-05-20 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COLLECTION COMPANY AND THEY ARE CORPORATING. Portfolio Recovery Associates claimed they investigated and verified the PRA accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. THIS company also states that sent its initial notification letters which is not true. We take compliance with all applicable state and federal laws very seriously. They reported incorrect addreses and name to the credit bureaus ( per credit bureaus ). They have engaged in harassing clients, failed to adequately cooperate, or engaged in misconduct regarding the relevant accounts placed with their company. I have sent them a copy of identity theft report by " FTC '' and no response. | null | PORTFOLIO RECOVERY ASSOCIATES INC | MA | 02780 | null | Consent provided | Web | 2020-05-20 | Closed with non-monetary relief | Yes | null | 3,660,334 |
2023-05-09 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt is not yours | I am sending this complaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent them over 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation. | null | RentDebt Automated Collections, LLC | IL | 60411 | null | Consent provided | Web | 2023-05-09 | Closed with explanation | Yes | null | 6,955,493 |
2020-05-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | remove the ftc violation on ftc report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77407 | null | Consent provided | Web | 2020-05-21 | Closed with explanation | Yes | null | 3,662,855 |
2022-01-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX | null | EQUIFAX, INC. | PA | 152XX | null | Consent provided | Web | 2022-01-31 | Closed with explanation | Yes | null | 5,165,971 |
2023-03-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I do not recognize these credit inquiries at all.
-XXXX -XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | CA | 91913 | null | Consent provided | Web | 2023-03-14 | Closed with explanation | Yes | null | 6,697,176 |
2020-08-19 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | On Friday XX/XX/2020 my PNC debit card was used for {$900.00} following a {$270.00} charge as well a {$280.00} CARD FREE ATM ACCESS funds withdrawn. I am an XXXX XXXX XXXX XXXX with XXXX XXXX XXXX I was scammed by a guy who stated he could get me an SBA loan for XXXX XXXX I gave him all of my personal information name social DOB account # routing # bank user name password and debit card number I thought it was a lot but my business is on the verge of being nonexistent due to COVID19 I contacted PNC and told them about what happen nobody has offered to send me a debit card or even get me a debit card issued they have restricted my online access so me being the actual acct holder can not see or get into my acct they were holding me liable for the fraud until I called and told them that Im not paying for something I did not do and they are holding my paycheck from me from my job during this pandemic I have no $ for anything I need because they wont allow me access I spoke with an agent named XXXX XXXX he was so rude to me did not want to offer assistance he denied my request to speak with someone else he was being deliberately unhelpful and did not know any information I had to give him my information in regards to everything he completely tore my spirit into many pieces in regard to PNC or any of their business practices he was so discourteous and I have no faith in the company what so ever it makes me want to file a lawsuit for pain and suffering. This person also filed so many wrong and unwilling disputes on my acct causing a lot of issues with merchants I have rapport with. | null | PNC Bank N.A. | OH | 45013 | null | Consent provided | Web | 2020-08-19 | Closed with explanation | Yes | null | 3,804,468 |
2019-06-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Experian re-reported a deleted account from XXXX XXXX XXXX XXXX, however I was not notified within 5 business days of the reinsertion. XXXX deleted the same account and was never reinserted. It is important to delete the account from my Experian credit file to show accuracy. This inaccuracy ruining my credit file. Pursuant to the FAIR CREDIT REPORTING ACT, PLEASE COMPLETE THE REMOVAL WITHIN 30 DAYS. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 275XX | null | Consent provided | Web | 2019-06-10 | Closed with explanation | Yes | null | 3,270,253 |
2018-06-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | In XX/XX/XXXX I became aware that a creditor on a loan I recently paid off, XXXX XXXX XXXX XXXX, reported me 120+ days late on my Experian report. They also reported me late, not making a payment, and having a past due balance in XX/XX/XXXX. In XXXX they reported me 90 days late. This was a surprise to me, as I had a good payment history with this company and had paid the loan off early on XX/XX/XXXX. They had even sent me a Paid In Full letter on XX/XX/XXXX thanking me for being a good customer, having a positive payment history, and inviting me to apply for a loan in the future. I never received any communication from XXXX XXXX that anything was wrong with my account. My Experian report prior to XX/XX/XXXX reflected the accurate positive payment history I've always had with this creditor. On XX/XX/XXXX I mailed a dispute to Experian via Certified Mail Return Receipt requesting investigation into these errors. I sent a cover letter, a copy of my credit report with the errors circled, bank statements showing full on time payments for the months in question, bank statement showing the final early payment in XX/XX/XXXX, and a copy of the Paid In Full Letter from XXXX XXXX dated XX/XX/XXXX to support my request ( all uploaded for your review ). I just received the results of my investigation today XX/XX/XXXX via mail. The errors were only partially corrected, despite providing documentation of my positive payment history, and negative information was added. The report now reflects Outcome-Updated : Status remained " Paid, Closed '', late monthly payments were changed in the Payment History to show XXXXCLS, and Recent Balance was was changed to " Not reported ''. The results from this investigation do not make logical sense. I made my XXXX payment on XX/XX/XXXX, my XXXX payment on XX/XX/XXXX and my final payment on XX/XX/XXXX ( which paid off the account ), but the Payment History shows 30 days past due in XXXX and 60 days past due in XXXX. I provided documentation of all these payments, and a XXXX balance, yet they remain on my report after the investigation and a {$0.00} balance is not reported. I do not understand how this information can be verified as accurate when I have provided upfront documentation demonstrating otherwise. Please help me make sense of this. I am a retired XXXX veteran living on XXXX ; my credit rating is essential to my quality of life. These changes Experian has " verified '' as accurate have destroyed my credit and negatively affect my quality of life. I respectfully request that your agency investigate this matter on my behalf. Thank you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | XXXXX | Servicemember | Consent provided | Web | 2018-06-13 | Closed with explanation | Yes | null | 2,934,301 |
2018-04-22 | 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 | IN REGARDS TO: OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX.
I DISPUSTED THIS INACCURATE MORTGAGE ACCOUNT THATS REPORTING 30 DAYS AGO. I DISPUTED THIS ACCOUNT WITH THE CREDIT BUREAUS AND IT CAME BACK VERIFIED. NOW THIS REALLY HURT ME, ESPECIALLY AFTER I HAVE BEEN TO CIVIL COURT AND WON MY VERDICT AGAINST ALREADY FOR INACCURATELY REPORTING MY ACCOUNT WRONG. I'VE ASKED THEM TO SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE BUREAUS IS ACCURATE. WHICH THEY INSTRUCTED TO TAKE THE MATTER UP WITH THE BUREAU IT'S NOT THEM. SO HERE I AM AGAIN GOING THROUGH THIS WHOLE DISPUTE PROCESS OF FINDING OUT WHO'S LIABLE FOR REPORTING INACCURATE INFORMATION. IF OCWEN LOAN SERVICING CAN NOT PROVIDE ME THIS INFORMATION OF WHY I HAVE A 30 DAY LATE PAY IN XX/XX/XXXX WHEN I HAVE NEVER BEEN LATE, AND WHY THEY ARE REPORTING INACCURATELY THAT THE LOAN IS BEING MODIFIED. THEN TO TOP THAT OFF IN MY COMMENT SECTION INACCURATE REPORTING OF A BALLON PAYMENT OF $XXXX DUE BY XX/XX/XXXX WHICH IS COMPLETELY FRIVOULOUS. IF THEY CAN NOT PROVIDE ME THIS INFORMATION, THEN THEY MUST REMOVE IT AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER, BUT PROOF. UNDER THE FEDERAL SERVICE ACT-REAL ESTATE SETTLEMENT PROCEDURES ACT 12 U.S.C 2605(e), I'VE REQUESTED A QUAILIFIED WRITTEN REQUEST AND RECEIVED NO ANSWER.
DUE TO THIS I FEEL THAT OCWEN IS REPORTING THIS ACCOUNT TO THE CREDIT BUREAUS IS INACCURATE, SO PLEASE PROVIDE ME WITH THE FOLLOWING INFORMATION:
1) ALL TRANSACTIONS PERTAINING TO THIS ACCOUNT.
2) HISTORY OF ALL TRANSACTIONS PERTAINIING TO THE ESCROW OF THIS ACCOUNT.
3)ALL PROPERTY INSPECTIONS FEES.
4) ALL FEES PERTAINING TO THE ACQUISITION OF THIS LOAN.
5) DETAIL BREAK DOWN OF ALL PAYMENTS, INTEREST AND LATE FEES IF ANY ASSOCIATED WITH THIS ACCOUNT.
6) THE PAY OFF AMOUNT.
IF THIS REPORTING INACCURATELY CONTINUES, I WILL HAVE NO OTHER CHOICE BUT TO CONSULT WITH A CONSUMER RIGHTS ATTORNEY REGARDING MY RIGHTS IN THIS MATTER, AND BASED ON MY RESEARCH OF THE FACTA ACT, AS A CONSUMER I HAVE THE LEGAL RIGHT TO DISPUTE ANY INACCURATE ACCOUNT DIRECTLY WITH THE LENDER/CREDITOR. I KNOW YOUR COMPANY WILL DO THE RIGHT THING, I HAVE ALL DOCUMENTATION AND I'M CAREFULLY TRACKING ALL CORRESPONDENCES. I WILL HOLD YOUR COMPANY RESPONSIBLE IF YOU FAIL TO PROVIDE ME WITH THE INFORMATION. | null | Ocwen Financial Corporation | TX | XXXXX | null | Consent provided | Web | 2018-04-22 | Closed with explanation | Yes | null | 2,884,047 |
2022-11-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I filed a police report, disputed with all credit bureaus | null | Grain Technology, Inc. | MD | 21216 | null | Consent provided | Web | 2022-11-15 | Closed with explanation | No | null | 6,206,662 |
2021-08-17 | Vehicle loan or lease | Loan | Struggling to pay your loan | Denied request to lower payments | I was affected by XXXX I was in the hospital for a week which caused me not to work do my finances decreased. I had a payment plan set up but didn't hve the money when it was dueXX/XX/2021 due to other bills I had that were also past due which are still past due! When I received the call that I needed to set up a payment I did say a date but again being in the hospital from XXXX my finances didn't meet now XXXX affected me very bad I had XXXX. I did let them know I was in the hospital but it seem like they were not concerned just wanted money! Till this day XXXX still haven't returned to work because of my breathing so I'm past due even more I was admitted on the hospital XXXX XXXX 2021 and released XXXX XXXX 2021 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company is called CREDIT ACCEPTANCE!
THE DATES THEY CALLED XXXX XXXX XX/XX/XXXXXXXX and XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the month of XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CREDIT ACCEPTANCE CORPORATION | IL | 61103 | null | Consent provided | Web | 2021-08-17 | Closed with explanation | Yes | null | 4,638,513 |
2021-08-23 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | I'm am sending to correct metro 2 compliance form with errors that is reporting | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 70117 | null | Consent provided | Web | 2021-08-23 | Closed with explanation | Yes | null | 4,652,638 |
2022-12-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I been disputing an XXXX XXXX XXXX for 5 months and I was told each time it would be removed and I have to wait 90 days. I reached out to Transunion 16 times and XXXX 50 times. There representatives are rude and lie about things. I received a letter XX/XX/XXXX a request to remove the inquiry of my account and recover any points that were lost for the inquiry. I sent it to Transunion and I still have this inquiry on my report. The inquiry was made on XX/XX/2022 and I am still reaching out to get it removed. I attached the letter sent by XXXX also. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10460 | null | Consent provided | Web | 2022-12-19 | Closed with explanation | Yes | null | 6,340,132 |
2022-11-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | NJ | 07093 | null | Consent provided | Web | 2022-11-17 | Closed with non-monetary relief | Yes | null | 6,217,688 |
2020-03-03 | Credit card or prepaid card | Store credit card | Problem when making payments | Problem during payment process | In XX/XX/2020, I discovered that an unknown person had access to my bank account. My bank account had to be closed and another account with a new number was opened. I went online to Nordstrom to update my banking information. I attempted to delete my old bank account but was unable to do so. XX/XX/XXXX, I made a payment for {$50.00}. On XX/XX/XXXX, I made a payment for {$300.00}. Unbeknownst to me, I made a payment from the closed account which was the default account ; making me 63 days past due. My statements are set to be delivered via email ; however, did not look at them as I have paid my bill every month on time without issue. I did not receive a phone call from Nordstrom about being 63 days late until XX/XX/2020. I saw the negative marks on my credit report, contacted Nordstrom and they were unable to help me. I have talked to Nordstrom customer service about have the 30-day late mark removed, however they explained that they are unable to do so. I have since deleted my old bank account and brought my account current. The 30-day late payment has dropped my credit score 43 points and it has had a negative impact on my life. I am requesting that the 30-day late payment be removed as soon as possible. I have tried to work with Nordstrom to no avail. I have never missed a payment or made a late payment to Nordstrom and I would like the mistake to be cleared up. | null | TD BANK US HOLDING COMPANY | UT | 84106 | null | Consent provided | Web | 2020-03-03 | Closed with explanation | Yes | null | 3,553,090 |
2021-10-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. XXXX really sick and tired of these XXXX. Should there be any updates on my inquiries, XXXX gon na go to court | null | EQUIFAX, INC. | NJ | XXXXX | null | Consent provided | Web | 2021-10-05 | Closed with explanation | Yes | null | 4,781,117 |
2023-05-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 323XX | null | Consent provided | Web | 2023-05-12 | Closed with non-monetary relief | Yes | null | 6,968,598 |
2019-04-24 | Checking or savings account | Checking account | Managing an account | Fee problem | From XX/XX/2018 till now our account has been charged a monthly fee of {$16.00} per month ( total of {$80.00} ). Last year when I checked with the local branch they told me that our account has no monthly fees regardless of balance. They completely lied and misrepresented the facts. They are not responsive. This amount should be refunded and we will close this account in the near future. Bank of America lied, WE WANT OUR MONEY REFUNDED. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 92604 | null | Consent provided | Web | 2019-04-24 | Closed with monetary relief | Yes | null | 3,221,225 |
2021-10-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | If the account of XXXX XXXX XXXX was closed in XX/XX/2019 how can you continue reporting charge offs after the account was closed thats inaccurate reporting requesting removal | 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 | 2021-10-25 | Closed with explanation | Yes | null | 4,841,850 |
2022-07-31 | 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 and I have things on my credit report that is not correct and not mines. I have made a report.
i sent in paperwork showing it was identity theft and no response or they tell me they never received the information | null | EQUIFAX, INC. | AR | 72315 | null | Consent provided | Web | 2022-07-31 | Closed with explanation | Yes | null | 5,825,973 |
2021-12-17 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | In XXXX of XXXX, I was alerted with a collection notification so I immediately called XXXX XXXX XXXXo see what this unknown account was. After speaking to several representatives my questions wasnt answered because they were asking me for my personal information. I requested information about the account after I never received anything.I then emailed the companies CEO an he never responded back. At that point Im now devastated, because I was in the home buying process. That debt dropped my score XXXX plus points on Equifax and XXXX and XXXX plus points with XXXX. Now my next option was to dispute the unknown debt from my credit report with all 3 bureaus. I disputed the debt in XXXX by phone with a representative with all bureaus. After waiting a few days XXXX immediately deleted the item from my credit report. Finally I get an email from Equifax and XXXX stating it was accurate and verified. At this point I called them an asked how and who they verified it through, the representative said thats what the company said so I told her send me the information, but I never received anything. After waiting and waiting still nothing, on XX/XX/XXXX I decided to send Equifax and XXXX a certified method of verification letter. On XX/XX/XXXX I received a letter from Equifax dated XX/XX/XXXX stating they were unable to locate a credit file in their data base an was asking me to send in personal information. So to my knowledge if they cant locate my file how are they investigating unknown information on my report but telling me its verified. I will include that letter. XXXX never sent anything back, but an email saying it was verified and accurate after I requested information on the verification. On XX/XX/XXXX I sent Equifax and XXXX a certified follow up method of verification letter on that same unknown collection. XXXX finally responded with a updated credit report but the collection wasnt removed after I asked if it couldnt be verified. Equifax emailed me stating it was verified and accurate but cant send me proof of it. Now that Im getting frustrated because this is hindering me from purchasing a home for me and my kids. I sent both bureaus a certified XXXX follow up method of verification letter on XX/XX/XXXX. Equifax sent a letter dated XX/XX/XXXX saying they received my letter on the other hand XXXX didnt reply. Ive been disputing and disputing with these 2 bureaus an theyre not sending me what I requested. If its verified why is it so hard for them to send me the required information or do as I asked DELETE this collection. I will be enclosing my letters. Each letter was sent to Equifax and XXXX. | null | EQUIFAX, INC. | AL | 36116 | null | Consent provided | Web | 2021-12-17 | Closed with explanation | Yes | null | 5,021,031 |
2021-03-30 | 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 | on XX/XX/2021 I attempted to get my credit score through TransUnion ( XXXX XXXX XXXX ). I was never able to set up an account or login, but the company did receive my credit card information and charged me {$27.00}. I never authorized this payment, nor did I receive any service from the company. I did not receive any email alerting me to the fact that they were charging the card, giving a reason and providing the score or any other service | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11215 | null | Consent provided | Web | 2021-03-30 | Closed with explanation | Yes | null | 4,257,991 |
2021-04-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | I am also having the same problem with XXXX, in that my paid XXXX account had booted me to their MyEquifax.com, but to later not allow me to sign in even after going through the sign in procedure. This is very similar to what happened on Transunion, only that I've not been able to get Free reports suing Annual Credit Report. At present I'm not able to access the site and even if I go over the sign up process again it will later prevent me from accessing the Myequifax.com site.
When I was able to access the XXXX site and the regular XXXX site when I was paying for it, it contained some different information that what I should be able to also see on the Myequifax. When I asked about the switchover was told they were switching over everyone with a non paying account, though at the same time I was paying to access Equifax itself.
This is a very similar problem that I'm having also with XXXX, and is troubling to me to not be able to read from searching that anyone else has been switched or had even mentioned being switched and not being able to get Credit reports, from niether Equifax nor through Annual Credit report. | null | EQUIFAX, INC. | MD | 20748 | Older American, Servicemember | Consent provided | Web | 2021-04-13 | Closed with explanation | Yes | null | 4,295,751 |
2020-05-13 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with rewards from credit card | On XX/XX/XXXX, I chatted with Barclay Uber credit card representative, I requested Uber credit card to apply my Uber cash {$28.00} to be applied as statement credit. Uber card rep XXXX refused and informed me that as of XX/XX/XXXX, Uber cash rewards can no longer be applied as statement credit. I had this credit card for since XXXX, I've always redeemed my rewards as statement credit. Yet XXXX insisted such change was stated in XX/XX/XXXX statement disclosure that after XX/XX/XXXX, Uber cash can no longer be redeemed as statement credit. I reviewed carefully the XX/XX/XXXX statement the rep mentioned, there was no wording or phrases mentioning about disallowing Uber cash to be applied as statement credit. I feel Barclay Uber cash credit card is deceiving me by ripped off my statement credit without proper notification. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | NY | XXXXX | null | Consent provided | Web | 2020-05-13 | Closed with explanation | Yes | null | 3,650,259 |
2023-05-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | The Credit Bureaus have failed to investigate my dispute of false information reported on my consumer profile. I have sent written notices disputing both the debt with the original creditor ( XXXX XXXX XXXX ) as well as the collection agency who has purchased the debt ( XXXX XXXX XXXX ). I do not owe either the original creditor or the collection agency who has been attempting to collect this debt from me. The original account was not authorized by me and when I filed disputes the Credit Bureaus did nothing, eventually the account charged off and now the collection agency is ruining my credit history by reporting this information. Furthermore, the credit Bureaus were notified of this dispute, but my account remains unmarked with any dispute status. This is a violation of my consumer rights under the FCRA and FCDPA. I have the right to an accurate and true credit profile. My complaint is against the Credit Bureaus for their failure to investigate. I have filed additional complaints with the FTC, see attachment for reference. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 616XX | null | Consent provided | Web | 2023-05-16 | Closed with explanation | Yes | null | 6,977,640 |
2018-08-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | There is a delinquent account in the amount of {$280.00}, that is being reported since XX/XX/2015 by XXXX XXXX XXXX XXXX, to ChexSystems. I immediately contacted ChexSystems to dispute the amount being reported once I was made aware of the negative impact on checking profile. I did not remember owing any amount to XXXX XXXX XXXX so I filed the dispute and waited a little over 30 days for my updated results. To my surprise, the account was not removed but I was advised to contact XXXX XXXX XXXX for further information. Well, I contacted XXXX right away and spoke to many different associates, who all provided me with basically the same information. I was told that my account was archived and no information besides the fact that most of the fees were because numerous overdrafts fees were accessed to my account due to a {$9.00} balance. I was told they could not find any information on why I was being charged {$9.00} dollars but that the overdraft fees were valid and would have to be paid in full to remove this account from my profile. I do not understand how {$9.00} can result in someone being charged {$280.00}. This company can not and has not provided me with any documents stating the breakdown of the charges yet they continue to report the debt is valid. Please assist me with holding this company accountable and stop them from taking advantage of low-income individuals. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Fidelity National Information Services, Inc. (FNIS) | CA | 90045 | null | Consent provided | Web | 2018-08-16 | Closed with explanation | Yes | null | 2,993,379 |
2021-11-19 | 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 | My name is XXXX XXXX. I do not consent to e-oscar verification. XXXX XXXX XXXX furnished inaccurate information to credit reporting agencies. No consent by definition is identity theft. I extended XXXX XXXXXXXX XXXX no consent, permissions or authority to share/sell/trade my personal non public information. I have suffered direct losses and have struggled significantly as a consumer directly due to the misinformation and defamations furnished erroneously by XXXX XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 11580 | null | Consent provided | Web | 2021-11-19 | Closed with non-monetary relief | Yes | null | 4,928,347 |
2023-07-04 | Debt collection | Credit card debt | Written notification about debt | Didn't receive notice of right to dispute | Transunion, XXXX, XXXX are purposely messing up my credit scores. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60901 | null | Consent provided | Web | 2023-07-04 | Closed with explanation | Yes | null | 7,204,912 |
2020-03-03 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | This is regarding Company Name : XXXX XXXX Account # XXXX Never removed still in my credit file : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response from Equifax : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX The results of the investigation have been mailed to you. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at www.myEquifax.com. Here you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and the Core Credit product. You may also contact us at XXXX to speak to a Customer Service Representative. | null | EQUIFAX, INC. | MN | XXXXX | null | Consent provided | Web | 2020-03-03 | Closed with explanation | Yes | null | 3,552,627 |
2019-06-28 | Credit card or prepaid card | Store credit card | Advertising and marketing, including promotional offers | Confusing or misleading advertising about the credit card | On XX/XX/2019 I was at the Old Navy store located in XXXX CA. I told the employee that I want to use my GAP credit card and I do not have my card, so she can look me up and use my rewards too- that is what I do when I do not have my card on me.
She asked me if my card has a chip, and I replied that I do not recall. She told me that I can request a card with a chip and I will get promotional discounts. It seemed fair and I was happy. She had me enter my SS, which I always do if I do not have my card, and after a few minutes, she handed me my receipt and told me that I got all the discounts and I will get my card in the mail soon.
I have received an OLD NAVY credit card!!!!! I never wanted to open a card with the store. I already have my GAP card, why would I open another store credit card?
My credit score has been affected by opening that card while I was trying to work on my credit to get a new job.
I called the company ( OLD NAVY ) and explained the situation and the representative was very nonchalant and did not show any sympathy towards my case. I was very upset and asked him to close my account and that what he did without an apology, although he totally advised me to pay my balance!
I felt manipulated and misled. I am complaining because I am very concern about my credit and very responsible the way I use it.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | CA | 94582 | null | Consent provided | Web | 2019-06-28 | Closed with explanation | Yes | null | 3,289,650 |
2021-03-20 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | I did not open this account and believe it was identity theft. I already tried to dispute this debt with the collector on XXXX, 2020. I keep getting letters from CBE group even though it was said it was taken care of. | null | The CBE Group, Inc. | CA | 93654 | null | Consent provided | Web | 2021-03-21 | Closed with explanation | Yes | null | 4,231,904 |
2021-03-25 | Vehicle loan or lease | Loan | Problems at the end of the loan or lease | Problem with paying off the loan | Citizens Bank is making it very hard to close out and accept my last payment on an auto loan and charging me interest while they delay things. The amount of payoff keeps changing and interest keeps being applied. All I am trying to do is pay off the loan in full and not get bad credit report. But they are making that very difficult.
Details below for issues regarding Citizens Bank Account number ending in # XXXX XX/XX/XXXX : I secured loan from Citizens Bank for {$44000.00}.
For next 3 years ( XXXX XXXX ), I have paid off monthly installments thru auto-pay in amounts of {$710.00}.
XX/XX/XXXX : Last time Citizens accepted the {$710.00} auto pay. My last payment should be in XX/XX/XXXX.
XX/XX/XXXX : A payment of {$500.00} is made to Citizens automatically from my account. Im not sure why that amount but maybe it was amount left, not sure where that amount came from and then it was rec-credited back to me.
XX/XX/XXXX : I get a letter from Citizens that says account overdue. That seemed odd as we were supposed to be on auto-pay and be finished in XXXX. So I call. I call and speak to customer service who only does collections and after speaking to his manager cant explain why that happend. So he transfers me to a different customer service department and I get disconnected.
XX/XX/XXXX ( later that same day ), I go onlilne and try to pay it off - in full - via direct payment from my bank to Citizens thru their web payment process. And I get email on that same day XX/XX/XXXX confirming my scheduled payment, which I copy and paste below : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The following payment has been scheduled on your Citizens One loan account ending in XXXX.
Payment Account : XXXX Date Scheduled : XX/XX/XXXX Amount : {$710.00} Reference # : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX : My bank shows that Citizens accepted my payment of {$710.00}. See below : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ACH Electronic Debit - CITIZENS LN PYMT REG PAYMT - {$710.00} On the LAST payment scheduled for XX/XX/XXXX, Citizens discontinues auto-pay and sends me late notice payment with interest for additional {$5.00}. I get confused by this and investigate and the web site shows auto-pay is OFF ( not initiated by me ) and there are some charges in different amounts made and then re-charged ( pushed back ).
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX : Citizens sends me an alert thru the website that payment was NOT accepted that says the payment was not accepted and my late interest fees are going up daily. The new total is now {$710.00}. See that message below : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX, Thank you for your email regarding your account.
Upon reviewing your account our records indicate the payoff amount has not been received and auto pay has been cancelled.
The provisional payoff as of XX/XX/XXXX is {$710.00}, with a daily interest of {$0.00} each day after that date.
You can mail your payoff payment to the following address which is valid for regular or overnight mail or pay by phone : Citizens Bank Citizens One Auto Finance XXXX XXXX XXXX XXXX XXXXXXXX XXXX, RI XXXX Please be sure you include the following : Your signed payoff check Your account number Your name Your address including the city, state, zip code Once your auto loan has been paid off and the loan is moved to a closed status, a paid in full letter will be mailed to you after one business day of the loan being paid in full.
If you have any further questions or concerns, please call our Consumer Finance Department at XXXX and a representative will be happy to assist you Monday Friday XXXX XXXX and Saturday Sunday XXXX XXXX.
We value you as a customer and appreciate your business. Thank you for choosing Citizens Bank.
Sincerely, XXXX XXXX.
Email Team Advocate -- -- -- -- -- -- -- -- -- XX/XX/XXXX : I made more efforts to contact Citizens Bank. My phone call was on hold and then disconnected. My web portal messages returned an error message and my account statements are no longer on the Citizens Bank web site. So I submit this complaint to you in hopes you can help.
In conclusion, I dont understand how they can make paying off a loan so difficult and in process charge me interest and hurt my credit score ... .please help!
Thank you, XXXX | null | CITIZENS FINANCIAL GROUP, INC. | NY | 11215 | null | Consent provided | Web | 2021-03-25 | Closed with explanation | Yes | null | 4,244,672 |
2023-01-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX | null | EQUIFAX, INC. | FL | 33156 | null | Consent provided | Web | 2023-01-27 | Closed with explanation | Yes | null | 6,489,730 |
2021-10-07 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | this lady, firm i do not know, have no contract with, has sent me papers threatening to sue me. there is no documentation, as per law that they actually represent the lenders, that they say they do. this is criminal extortion, i do not know them, and all of a sudden i get these letters of extortion, from this rauch firm. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Rausch Sturm LLP | IA | 515XX | null | Consent provided | Web | 2021-10-07 | Closed with explanation | Yes | null | 4,790,257 |
2021-03-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have disputed accounts with XXXX XXXX XXXX club and Quantum Collections on numerous occasions and the account is still reporting fraudulently on my personal credit profile. This account does not belong to me as I was a victim of identity theft. The credit bureaus nor the creditor has been able to prove that this debt is mine or is owed to me. This is hindering me from moving forward with other financial obligations. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Nevada Credico, Inc. | NV | 89031 | null | Consent provided | Web | 2021-03-22 | Closed with explanation | Yes | null | 4,235,965 |
2022-06-21 | 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 Account # XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IN | 471XX | null | Consent provided | Web | 2022-06-21 | Closed with explanation | Yes | null | 5,694,173 |
2022-02-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 333XX | null | Consent provided | Web | 2022-02-24 | Closed with explanation | Yes | null | 5,259,869 |
2022-01-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you. | null | EQUIFAX, INC. | NJ | XXXXX | null | Consent provided | Web | 2022-01-21 | Closed with explanation | Yes | null | 5,136,139 |
2020-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AR | 72113 | null | Consent provided | Web | 2020-08-14 | Closed with explanation | Yes | null | 3,796,687 |
2023-02-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have attached documents stating that the car company is in violation of my rights. 15 U.S CODE S 1605 DETERMINATION OF FINANCE CHARGE ( a ) FINANCE CHARGE DEFINED EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION THE AMOUNT OF THE FINANCE CHARGE IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTIONS SHALL BE DETERMINED AS THE SUM OF ALL CHARGES, PAYABLE DIRECTLY OR INDIRECTLY BY THE PERSON TO WHOM THE CREDIT IS EXTENDED, AND IMPOSED DIRECTLY OR INDIRECTLY BY THE CREDITOR AS AN INCIDENT TO THE EXTENSION OF CREDIT. THE FINANCE CHARGE DOES NOT INCLUDE CHARGES OF A TYPE PAYABLE IN A COMPARABLE CASH TRANSACTION. THE FINANCE CHARGE SHALL NOT INCLUDE FEES AND AMOUNTS IMPOSED BY THIRD PARTY CLOSING AGENTS ( INCLUDING SETTLEMENT AGENTS, ATTORNEYS, AND ESCROW AND TITLE COMPANIES ) IF THE CREDITOR DOES NOT REQUIRE IMPOSITION OF THE CHARGES IR THE SERVICES PROVIDED AND DOES NOT RETAIN THE CHARGES. EXAMPLES OF CHARGES WHICH ARE INCLUDED IN THE FINANCE CHARGE INCLUDED ANY OF THE FOLLOWING TYPES OF CHARGES WHICH ARE APPLICABLE : 1 : INTEREST, TIME PRICE DIFFERENTIAL, AND ANY AMOUNT PAYABLE UNDER A POINT, DISCOUNT, OR OTHER SYSTEM OR ADDITIONAL CHARGES. 2 : SERVICE OR CARRYING CHARGE. 3 : LOAN FEE, FINDERS FEE, OR SIMILAR CHARGE. 4 : FEE FOR AN INVESTIGATION OR CREDIT REPORT. 5 : PREMIUM OR OTHER CHARGE FOR ANY GUARANTEE OR INSURANCE PROTECTING THE CREDITOR AGAINST THE OBLIGORS DEFAULT OR OTHER CREDIT LOSS. 6 : BORROWER- PAID MORTGAGE BROKER FEES INCLUDING FEES PAID DIRECTLY TO THE BROKER OR THE LENDER ( FOR DELIVERY TO THE BROKER ) WHETHER SUCH FEES ARE PAID IN CASH OR FINANCED. SECTION ( C ) PROPERTY DAMAGE AND LIABILITY INSURANCE PREMIUMS INCLUDED IN FINANCE CHARGE!!!! CHARGES OR PREMIUMS FOR INSURANCE, WRITTEN IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTION, AGAINST LOSS OF OR DAMAGE TO PROPERTY OR AGAINST LIABILITY ARISING OUT OF THE OWNERSHIP OR USE OF PROPERTY, SHALL BE INCLUDED IN THE FINANCE CHARGE UNLESS A CLEAR AND SPECIFIC STATEMENT IN WRITING IS FURNISHED BY THE CREDITOR TO THE PERSON TO WHOM THE CREDIT IS EXTENDED, SETTING FORTH THE COST OF THE INSURANCE IF OBTAINED FROM OR THROUGH THE CREDITOR AND STATING THAT THE PERSON WHOM THE CREDIT IS EXTENDED MAY CHOOSE THE PERSON THROUGH WHICH THE INSURANCE IS TO BE OBTAINEDYOU DID NOT YOU OBVIOUSLY BROKE THE LAW YOU FID NOT INCLUDE THE INSURANCE IN MY FINANCE CHARGE XXXX : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. PHONE : XXXX SEND CHECK BACK OR WE PLAN TO SUE | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30223 | null | Consent provided | Web | 2023-02-23 | Closed with non-monetary relief | Yes | null | 6,610,267 |
2023-03-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | 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.
The following creditors have violated my rights.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | ND | 58103 | Servicemember | Consent provided | Web | 2023-03-17 | Closed with non-monetary relief | Yes | null | 6,711,023 |
2017-07-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | I have wrote to them a sent proof on several occasion. All three credit reporting a bankruptcy on credit report and said that XXXX XXXX provided them with this information. I have been in touch with XXXX XXXX and sent proof from XXXX to the agencies that there is no bankruptcy on file for me. I need for all the credit reporting agencies to remove this reporting. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10458 | null | Consent provided | Web | 2017-07-07 | Closed with explanation | Yes | null | 2,567,198 |
2022-08-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 75063 | null | Consent provided | Web | 2022-08-31 | Closed with explanation | Yes | null | 5,934,613 |
2020-04-21 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | This is a case where the debt collector broke the law and sent private information of a debt to my work instead of my home. Employee of company open the mail and scanned it to my work files. Now many people in my office are aware of this situation that is now looking to cost me my job. | null | ENCORE CAPITAL GROUP INC. | KY | 40504 | null | Consent provided | Web | 2020-04-21 | Closed with non-monetary relief | Yes | null | 3,616,583 |
2022-03-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I was taking Advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I cant get a job, I couldnt close on a deal, that caused a financial impact. Under this crisis, you have hurt my ability to obtain credit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19120 | null | Consent provided | Web | 2022-03-30 | Closed with non-monetary relief | Yes | null | 5,387,476 |
2022-08-28 | 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 | It has ben XXXX months now that I have tried to fix my credit and these the credit bureaus have not helped much! In fact they have ben violating my rights under the FCRA! Below I attached all my attempts to fix this issue through letters! I am desperate to get credit lines so I can pass by these hard times! I am seeking help from the CFPB because I dont know what els to do!
Please help! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93041 | null | Consent provided | Web | 2022-08-28 | Closed with non-monetary relief | Yes | null | 5,924,176 |
2022-12-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Ive reviewed all three of my credit reports and I've noticed that multiple of my accounts are showing inaccurate information. Ive tried countless of times to dispute via phone and online portal with no results. These accounts have inaccurate loan balances, late payments, credit usage and account type. Please fix the following so it can be accurate with all three credit reports XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX XXXX XXXX. | null | EQUIFAX, INC. | AL | 35215 | Servicemember | Consent provided | Web | 2022-12-26 | Closed with explanation | Yes | null | 6,363,424 |
2020-11-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | on XX/XX/2020 i Contacted XXXX, Equifax, And XXXX about inaccurate information reporting to my credit report. According to the fair Credit Reporting Act section 609 this companies are required to verify information being reported on my credit report. On XX/XX/2020 i followed up with the bureaus because i Didn't get a response. Today is now XX/XX/2020 and i still have not received a response. I have been waiting for well Over 60 days this a a violation. | null | EQUIFAX, INC. | PA | 191XX | null | Consent provided | Web | 2020-11-18 | Closed with explanation | Yes | null | 3,960,371 |
2017-07-15 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I filed a homeowner insurance claim with XXXX XXXX ( XXXX ) Insurance Company due to a flooded and thereby destroyed kitchen. XXXX issued to me a check on XXXX XXXX, 2017 for {$7900.00} payable to me and to XXXX XXXX XXXX, the holder of my mortgage and therefore, the singular lien holder on my home. XXXX endorsed the check and forwarded the check to me. I endorsed the check and deposited the check into my checking account at Bank of America ( BOA ) on XXXX XXXX, 2017. BOA placed a 10 day hold on the check, for unexplained reasons. On day 1XXXX XXXX of the 10 day hold, the funds were still not made available to me. I called BOA, and after being placed on and off of hold for two hours, I was told that the check was rejected because XXXX had not endorsed the check. When I requested that they again look at the back of the check, they discovered that the check had indeed been endorsed by XXXX. After being placed on hold for another 45 minutes, I was told that the check had been rejected because XXXX was not listed on my checking account, much like a spouse would be listed as an authorized person on my checking account. In addition to the absolute absurdity of the explanations offered by BOA in trying to cover-up their arbitrary and capricious reasoning for rejecting the insurance check, I explained to BOA that I was nevertheless responsible, beginning on XXXX XXXX, 2017, for making payments for my mortgage, my automobile loans as well as " auto payment withdrawals '' for my car insurance, my life insurance policies for my grandchildren and certain other credit cards. Knowing that since my insurance check was rejected, that I would be unable to pay my mortgage and my automobile payment. I was also aware that once the " auto payments '' were withdrawn for my automobile insurance, life insurance payments for my grandchildren and certain other credit card payments, that there would be insufficient funds to pay these creditors. I asked BOA how they would handle the punitive charges of {$35.00} assessed by BOA for each payment made using non sufficient funds ( NSF ). I also asked about the consequences of the fees charged by my creditors due to NSF 's. I was told, " I hear you, but there is nothing we can do to help you ''. On my call to BOA on XXXX XXXX, I was told that my rejected check would arrive to my home possibly on XXXX XXXX or XXXX XXXX, but no later than XXXX XXXX. With the arrival of no check, I called BOA daily, requesting the escalation of each call to a higher level of management withing BOA. Today, XXXX XXXX, BOA told me that the check was rejected in order to protect me, in case the payer, XXXX XXXX XXXX Insurance Company, did not have sufficient funds. Really? The largest insurer in the State of NJ not having sufficient funds to cover a payment to me for {$7900.00}? Meanwhile, in BOA 's efforts to protect me from financial predators, I am unable to pay my bills.
<P/>
Today, XXXX XXXX, I was told by BOA that by law they did not have to deliver the rejected check to me until XXXX XXXX. How refreshing that BOA is more concerned about their rights under the law than helping their customer to avoid delinquencies in payments to creditors. This, in addition, to causing permanent damage to my credit ratings and credit report.
<P/>
Shame on you Bank of America. You bully your customers in order to protect your profits. If you choose to continue with this arrogant attitude, there will be no need for you to concern yourself with profits. Without customers, there will not be any profits. And, sadly, as you alienate more and more customers, there will come a time where you can no longer cost shift by continuing to add more and more punitive policies. This is not rocket science. With virtual currencies becoming more mainstream, who will need the non-services of Bank of America. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NJ | 088XX | null | Consent provided | Web | 2017-07-15 | Closed with explanation | Yes | null | 2,575,524 |
2019-09-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Today XX/XX/2019 I received an email that I had a new credit inquiry on my Experian report. According to my alert and my report, this inquiry took place on XX/XX/2019. I have NOT applied for new credit in the past year. This is a FRAUDULENT unauthorized inquiry. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 919XX | null | Consent provided | Web | 2019-09-01 | Closed with non-monetary relief | Yes | null | 3,361,271 |
2020-05-18 | Vehicle loan or lease | Loan | Struggling to pay your loan | Denied request to lower payments | BMWF has been calling repeatedly despite a payment arrangement or intentions thereof made with a rep on or around XX/XX/XXXX, I believe. The rep spoke with may or may not have noted my intentions/promise to pay which includes a payment in the amount of {$1000.00} via bill pay with my bank, XXXX. In addition to this, a recurring payment is set to come out also on the XXXX of every month. The account is past due for the month of XXXX, payment in XX/XX/XXXX will cover it and recurring payment on same date will cover XXXX as well.. | null | BMW Financial Services NA, LLC | CT | XXXXX | null | Consent provided | Web | 2020-05-18 | Closed with explanation | Yes | null | 3,657,492 |
2021-09-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | For several months now, I've sent multiple letters to Transunion to dispute a fraudulent, unauthorized inquiry that was made on XX/XX/21, by XXXX bank. I've called Transunion several times after I mailed my letters in, but the fraudulent inquiry remains on my credit report. I want this inquiry to be removed immediately, please! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60504 | null | Consent provided | Web | 2021-09-16 | Closed with explanation | Yes | null | 4,724,002 |
2022-03-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Back in 2019 i was robbed at gunpoint for my car and phone. My phone had copies of my social security card and photo ID and my phone had no passcode. I believe thats how m identity was accessed in order to open these accounts because no one had access to my information other than that person, that I am aware. Upon evaluating my credit report i noticed numerous things or accounts reporting that i did not know anything about or authorize.
Two auto loans are listed one from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that i did not authorize.
An account with XXXX XXXX XXXX which says its original creditor is XXXX Also lists 16 HARD inquires SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | KS | 661XX | null | Consent provided | Web | 2022-03-06 | Closed with non-monetary relief | Yes | null | 5,291,826 |
2021-06-10 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | Name : XXXX XXXX Last 4 of credit card : XXXX To Capital One : In early XX/XX/2020, I had a fraudulent charge on my Capital One Credit Card for {$1400.00}. This was an unauthorized XXXX purchase through a third part company, XXXX. The purchase I later found out was for a : XXXX XXXX VR Ready Gaming Laptop, XXXX '' XXXX XXXX, XXXX XXXX XXXX Octa-Core up to XXXX GHz, XXXX XXXX XXXX, XXXX XXXX, XXXX SSD, XXXX XXXX XXXX, XXXX XXXX : XXXX.
As soon as I became aware of this fraudulent purchase I contacted XXXX as well as Capital One. XXXX shut down my account, and also advised me that they already flagged my account for fraud due to two attempts to purchase other laptops. Unfortunately, XXXX allowed the third attempt. I received credit to my Capital One account pretty right away and I THOUGHT everything was taken care of. However, weeks had passed and I received the product. XXXX failed to stop the shipment and somehow it was redirected to me using my true address. I Immediately contacted XXXX to advise them of their error. The agent was very clearher exact words were you can keep the item, we can not take it back. I thought nothing of that until Capital One took back my credit and again charged my credit card. So I again contacted XXXX and Capital One. I believe Capital One filed another claim. I am learning that XXXX disputed the claim siting the item was delivered to the address on file which also matched Capital One recordswhich is true. Which I already advised. This does not make the charge any less FRAUD.
I also received an email from XXXX stating the item could be donated. That it did not need to be returned. I received two letters stating that.
Bottom line, I dont really understand the lack of care and attention to this matter. Neither XXXX or Capital One has been able to resolve this matter for me and its an extreme hardship for me. I did not make this purchase. Plain. And. Simple.
XXXX claims they already paid Capital One so they have no idea why Im not receiving my money back. Capital One denies that and just tells me they can not help me. | null | CAPITAL ONE FINANCIAL CORPORATION | NJ | 082XX | null | Consent provided | Web | 2021-06-10 | Closed with explanation | Yes | null | 4,446,446 |
2022-12-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This account has been disputed. The creditors are reporting an account as on status. The reporting account status is closed and needs to be deleted immediately.
The creditors are giving an automatic verified and not doing an proper investigation | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 480XX | null | Consent provided | Web | 2022-12-06 | Closed with explanation | Yes | null | 6,287,832 |
2022-09-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months. | null | EQUIFAX, INC. | LA | 70769 | null | Consent provided | Web | 2022-09-19 | Closed with explanation | Yes | null | 5,995,793 |
2017-09-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I. Have never lived in XXXX Idaho, never bought a house in XXXX Idaho. This address is n't mine and it has taken my credit score down XXXX points!! Please delete the incorrect information off my credit reports and restore my credit score back to XXXX. | null | EQUIFAX, INC. | TX | 76208 | Servicemember | Consent provided | Web | 2017-09-06 | Closed with explanation | Yes | null | 2,659,558 |
2018-10-11 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | XXXX and common wealth continue to attempt to collect a debt that is not mine. I have requested they supply me with debt validation and they have failed to do so. XXXX continues to reassign the collection debt, knowing they are unable to validate the debt. | null | Commonwealth Financial Systems, Inc. | AZ | 85254 | null | Consent provided | Web | 2018-10-11 | Closed with explanation | Yes | null | 3,043,605 |
2023-08-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33010 | null | Consent provided | Web | 2023-08-20 | Closed with non-monetary relief | Yes | null | 7,429,417 |
2021-02-12 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | I received a notice from ASPIRE that I needed to recertify my income for my income based repayments. I went to the department of education site and tried to go through there but there was a HUGE notice saying I was not required to recertify my income on loans for another year, nor were they supposed to be charging interest during the Covid -19 Pandemic. The first time I called the customer service agent gave me a one month forbearance for XXXX and told me that I would have to recertify on paper instead of electronically if I couldn't go through DOE as that was a separate website. I do not understand how ASPIRE can require me to recertify my income when the DOE says it's not necessary. I have not received anything from my other loan holder as I think they are following the rules.
The second time I called I was given the same runaround that I would have to recertify through the mail. I do not own/have access to a printer to print relevant documents, and there is a requirement when you sign that you agree to provide relevant documents. They have not provided an electronic means and the closest printing service to me is a 3 mile walk as I have no car. I finally tried to email them through their website and I received a form email saying please call customer service ( hard eye roll ).
Yesterday I received a bill stating I owe a {$150.00} payment by XX/XX/XXXX, an amount I can not afford to pay. I have worked very hard to rebuild my credit score and don't want it ruined by this. Today I am sending in the paper form with notations that I can not provide documentation if they do not give me an electronic means to do so. I would like two things to resolve this : 1. Either provide me with electronic means to submit documentation OR, even better, just recertify my {$0.00} income based repayment for another year as required by DOE.
2. Stop charging me interest when they aren't supposed to and remove any interest they have charged me during this pandemic.
Thank you. | null | IOWA STUDENT LOAN LIQUIDITY CORPORATION | MA | 02149 | null | Consent provided | Web | 2021-02-12 | Closed with explanation | Yes | null | 4,136,783 |
2023-10-29 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | On Wednesday, XX/XX/XXXX, at approximately XXXX XXXX XXXX, I received a mobile phone call from XXXX. The caller identified himself as " XXXX, a Citibank employee ''. He alerted me that there was suspicious activity occurring on my Checking account. After reviewing/confirming the transactions, I was alarmed, and he assured me that he would help me stop and reverse these items. Unbeknownst to me, this caller was an imposter and had already hacked into my Saving account and transferred {$3600.00} into my checking account, this was not authorized. Savings account Number is This fraudulent caller was skillful and professional in keeping me calm, insuring he would help me. In order to do so, he said we would use XXXX to transfer the funds to a phone number he provided, which was assigned to XXXX XXXX ; I do not know this person. I only know of this name when I saw it in the text confirmation. Additionally, the transfer occurred in three different transactions all to the same person. The transactions were for {$25.00} ; {$2400.00} and {$2500.00}. Once all funds were transferred out, the call ended, and I had less than {$5.00} in my checking account.
As soon as the call ended, I immediately call the real Citibank Customer Service Number at XXXX, the same number the caller called from. The frontline Citibank employee started an investigation and within days I received a letter in the mail that my request for the funds to be returned was denied. Since then, I have called the only number I have for Citibank ( XXXX ) and I haven't been able to get beyond the frontline customer service representatives. These Customer Service calls seem to be outsourced to a foreign country in which the language is thick and my understanding is uncertain. Additionally, the frontline customer service representatives seem to be reading from a written script, in which they ask only the questions/statements on this script and not providing any intuition or common thought processing. Each time I would call, these frontline representatives did not present compassion or comprehension to what had occurred to me.
In the last 12 months I have called the Citibank Customer Service Number to get help or clarification as to why my investigation keeps getting denied. Each time I called, I must be triaged by the same foreign country service representatives, each reading from the same script, neither asking follow-up questions. Never, not once, was I able to talk to a supervisor, manager, or person of seniority who had the authority to provide greater insight or investigate further. Each time I called, required me :45 - :90 minutes ; time entering selections on the phone, triage, on-hold while the foreigner looked up my account information, but mostly me trying to explain what happened.
To help substantiate my lose, I filed a Crime Report with the XXXX XXXX XXXX XXXX Police Department. I have also, faxed my account statements, crime report, and printout of the fraudulent transactions to Citibank and my case was stilled denied.
I have visited the local Citibank branch to ask for help but they claim that they can NOT help me because they too must call the same toll-free number, XXXX to be triaged like me.
With the lack of cooperation with my numerous calls to Citibank, I have contacted the Local XXXX station ( XXXX XXXX ) in XXXX and have an upcoming interview with the segment, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ) is a Consumer Affairs Reporter, and the interview is intended to bring awareness to the length of fraud consumers are encountering from hackers.
Finally, and interestingly, shortly after my account was hacked into and I lost all but {$5.00}, I was no longer able to use XXXX to send funds to friend/family, via XXXX. When I called the Customer Service number, XXXX, the representative says, the vendor is working on it and it was supposed to be done in a few days. This is telling to me that Citibank knows there is a problem with XXXX and its ability to be infiltrated, yet Citibank wont protect their account holder- for which I have been one since XXXX!
Recently, I was listening to a XXXX XXXX XXXX ( XXXX ) story on Consumer Financial Protection Bureau and I thought to myself, that this is my last resort, I am pleading to your agency to investigate and probe into why Citibank would partner with XXXX and NOT support their customers who are using this application. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | IL | 601XX | null | Consent provided | Web | 2023-10-29 | Closed with explanation | Yes | null | 7,784,158 |
2022-12-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | NC | 28411 | null | Consent provided | Web | 2022-12-07 | Closed with explanation | Yes | null | 6,286,505 |
2023-05-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. | null | EQUIFAX, INC. | IN | 46239 | null | Consent provided | Web | 2023-05-03 | Closed with explanation | Yes | null | 6,918,985 |
2021-12-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am filing this complaint to inform you of Equifax willful noncompliance with the Fair Credit Reporting Act, Equifax continues to report inaccurate, incomplete payment history information on my consumer report. I have sent multiple Dispute letters on XX/XX/21 and again another dispute letter on XX/XX/21. To this day the consumer reporting agency willfully refuses to Delete the inaccurate, incomplete information which is preventing me from obtaining credit, furthermore the consumer reporting agency is Violating my consumer rights along with Defamation of Character because a consumer report is my reputation. Equifax continues to be in Violation of the Fair Credit Reporting Act by continuing to report misleading information on my consumer file. Under 15 USC 1681e ( b ) the Law clearly states a consumer reporting agency shall follow reasonable procedures to assure Maximum possible accuracy, yet this agency has failed to do so. In addition I have attached documents that outline the Multiple FCRA Violations on my consumer report. Lastly I am demanding these accounts to be Deleted immediately or I may file for litigation due to the agency willful noncompliance, negligence and the harm it has cause my consumer file along with the stress it has cause by having these inaccurate, incomplete items on my consumer report. Im hopeful the CFPB can help assist to resolve this matter promptly | null | EQUIFAX, INC. | CA | 91911 | null | Consent provided | Web | 2021-12-15 | Closed with explanation | Yes | null | 5,014,688 |
2018-02-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For commonwealth fiancial and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX | null | Commonwealth Financial Systems, Inc. | AL | XXXXX | Servicemember | Consent provided | Web | 2018-02-05 | Closed with explanation | Yes | null | 2,803,905 |
2022-02-23 | Vehicle loan or lease | Lease | Struggling to pay your loan | Lender trying to repossess or disable the vehicle | In XX/XX/XXXX I was asked to be put on the fresh start program due to laid off due to work decline from COVID affecting the company I work. After being placed on the program I was informed by first investor financial that I wouldnt have a payment due until XX/XX/XXXX. I made payment arrangements to pay XXXX at the end of XXXX. I received a email from first financial on XX/XX/XXXX to contact them because my car may be up for repro referral. My car was repossessed at the same time I received this email not giving me time to resolved the issue at hand. The car was repossessed on XX/XX/XXXX. I was also told that my car was scheduled to be repossessed since XXXX XXXX. First investor financial took and processed a payment for me on XX/XX/XXXX and then told me on XX/XX/XXXX that they cant take payments from me since my car was repossessed after already taking a payment from me on XX/XX/XXXX. I was informed by a first investor financial collection at the end of XX/XX/XXXX that I was in fact in the fresh start program and didnt have a payment due until XXXX and another in XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Stellantis Financial Services US Corp. | LA | 71105 | null | Consent provided | Web | 2022-02-23 | Closed with non-monetary relief | Yes | null | 5,254,689 |
2023-09-02 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | /On XX/XX/XXXX I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with L J Ross Associates , IncXXXX in XXXX showing a balance of {$1000.00}. L J Ross Associates , Inc. failed to respond to my validation letter although proof will show that they received this request on XXXX XXXXXXXX and have yet to respond as of XX/XX/XXXXXXXX XXXX XXXX The uploaded attachment is the letter that was mailed all with return receipt from through united states postal service. | Company disputes the facts presented in the complaint | LJ Ross Associates | MD | 21218 | null | Consent provided | Web | 2023-09-02 | Closed with explanation | Yes | null | 7,490,124 |
2016-05-06 | Student loan | Federal student loan servicing | Can't repay my loan | Can't decrease my monthly payments | I enrolled at the XXXX XXXX XXXX in XXXX XXXX and have somehow racked over {$28000.00} in federal student loans for a diploma! I never was able to finish the program because of the lack of communication I received from the finincial aid depatrtment explaining to me all the charges that seem to be racking up. I can not afford this cost and upon initial signing up, I was told I could receive finicail aid from the government. I did not know loans were being taken out. I make a mere {$25000.00} a year. I was duped by this school and whomever was getting a commission of 'recruiting ''. I was misled.
Also Navient approved my IBR at {$0.00} from XXXX to XXXX but is still billing me the loan amount thus devastating the little credit I have. The also sent me a letter on XXXX/XXXX/XXXX that it is time to renew my IBR by XXXX/XXXX/XXXX, a month later. | null | Navient Solutions, LLC. | CA | 91504 | null | Consent provided | Web | 2016-05-06 | Closed with explanation | Yes | No | 1,913,005 |
2018-03-10 | Debt collection | Medical debt | False statements or representation | Attempted to collect wrong amount | Grant Mercantile Agency Amount XXXX Date XX/XX/2016, Says open Tryed to get item removed i have No recalculation of this company or sign any contracted with them..
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. | null | Grant Mercantile Agency | CA | XXXXX | null | Consent provided | Web | 2018-03-10 | Closed with explanation | Yes | null | 2,839,476 |
2022-08-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 27405 | null | Consent provided | Web | 2022-08-25 | Closed with non-monetary relief | Yes | null | 5,918,455 |
2023-06-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX & XXXX Account XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
I can go on and on and on The credit bureaus have no respect for the laws.
Someone needs to hold them accountable for this | null | EQUIFAX, INC. | NC | 27560 | null | Consent provided | Web | 2023-06-10 | Closed with non-monetary relief | Yes | null | 7,098,553 |
2023-08-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.
Here is the list of items that do not belong to me or were opened without my permission.
( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. | null | EQUIFAX, INC. | CA | 94601 | null | Consent provided | Web | 2023-08-03 | Closed with non-monetary relief | Yes | null | 7,343,402 |