Date_received
stringlengths 10
10
| Product
stringclasses 9
values | Sub_product
stringclasses 29
values | Issue
stringlengths 16
80
| Sub_issue
stringlengths 11
85
| Consumer_complaint_narrative
stringlengths 11
21.3k
| Company_public_response
stringclasses 9
values | Company
stringlengths 3
78
| 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 1.35M
7.78M
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2023-09-30 | Credit card | Store credit card | Other features, terms, or problems | Problem with customer service | I purchased two appliances via XXXX 's and applied, ONLINE, for a Brandsource Credit card boasting 0 % interest for 24 months. I completed the application online and created an ONLINE account. To date I have received my stove but not my refrigerator. Approximately two weeks ago I received my card in the mail and have been unable to register it online. I keep receiving an online error message saying my card can not be registered. I can not reach anyone who speaks English at XXXX. Today I received three calls from " Consumer Protection '', supposedly a division of Citi. I hung up because I could not understand the foreign callers and I thought it was a scammer. I called back this afternoon and was able to speak to a woman who spoke English fluently ( XXXX ). XXXX said neither Citi or Consumer Protection are authorized to assist me because I have not called them with the 4 digit " verification '' code they mailed to me, via letter, 2 weeks ago. XXXX said no one at Citi can give me my balance, tell me when my first payment is due, mail me a paper statement, allow me access to my account online or tell me if I am racking up charges and late fees, all because I never received a " verification letter '' they claim they mailed. So, now I have to wait another 7-10 days for this letter to be mailed, I have to call a number and provide that code before they will assist me. So, to be clear, they allowed me to apply online, without any sort of verfication. Allowed me to purchase at least $ XXXX worth of appliances, mailed ME A CREDIT CARD WITHOUT VERIFYING ME, BUT THE MINUTE I WANT TO MAKE A PAYMENT OR ASK FOR MY STATEMENT, I CAN NOT BECAUSE I NEVER RECEIVED A VERIFICATION LETTER THEY SAY THEY MAILED? HOW IS THIS EVEN LEGAL? They will not tell me my balance, will not tell me whether or not I have accrued any late fees and will not tell me if I have lost my interest free promotion. How is this even legal? I am asking for the third time, that a paper statement be mailed to me, any fees, late charges or interest be removed and this account closed immediately please. I do not care to do business with the likes of this company. What a trap. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MA | 010XX | Servicemember | Consent provided | Web | 2023-09-30 | Closed with monetary relief | Yes | null | 7,626,582 |
2018-01-04 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I have been paying {$280.00} every month but the interest rate is way too high. I asked Naivent to low it but they refused. My student loan was about {$23000.00} and I have been making payment since 2013. Today my balance is ~ {$16000.00} that means they have been charging high interest because I have made more than 49 payments that 's more than {$14000.00}. My balance should at lease {$10000.00}.
Please help! | null | Navient Solutions, LLC. | WA | 98012 | null | Consent provided | Web | 2018-01-04 | Closed with explanation | Yes | null | 2,772,093 |
2023-05-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am a natural person, I am a living human being, I have rights under 15 USC 1681.
FRONTLINE ASSET STRATEGIES is govern by 15 USC 1681 and they violated my rights numerous times. I demand the account listed below and uploaded be remove because According to 15 USC 1681 : I have right to privacy and I did not give FRONTLINE ASSET STRATEGIES written permission to furnish this account Account # XXXX | null | Frontline Asset Strategies, LLC | NY | 112XX | null | Consent provided | Web | 2023-05-06 | Closed with explanation | Yes | null | 6,942,413 |
2023-07-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX is showing different ratings on the credit bureaus | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MS | 390XX | null | Consent provided | Web | 2023-07-17 | Closed with explanation | Yes | null | 7,266,232 |
2023-02-12 | 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 | Under complaint number XXXX Transunion reported that two XXXX XXXX accounts were, but they are being reported on my most recent consumer credit report as of XX/XX/2023. This is what I mean as predatory reporting and activity. CFPB even referred to them as " out of control repeat offender ''.
TransUnion is an out-of-control repeat offender that believes it is above the law, said CFPB Director XXXX XXXX. I am concerned that TransUnions leadership is either unwilling or incapable of operating its businesses lawfully.
This statement alone proves that they can not be trusted, and their practices are unlawful. There are several unauthorized inquiries on my report. I was recently had adverse action against me as I was denied for a home loan. My Transunion score is the lowest of all three major reporting agencies and they have double accounts. They are reporting that I have over XXXX in XXXX loan debt when that is simply accurate. They refuse to give me their verification process through CFPB or when I call them. They have made false claims to the companies listed on my reporting stating that I am claiming identity theft when in fact I stated that Transunion has stolen my identity by furnishing a consumer credit report on my behalf. By law they can only do so under written instructions of the consumer. I have never consented to allow Transunion to furnish my identity to anyone. Transunion is defaming my character with these inaccurate accounts they are reporting. They are causing harm to my family and I. This reporting is causing my mental health instability by receiving adverse action against me and daunting phones calls from companies that I have no legal obligation to. I have requested that they cease and desist from reporting all hard inquires and negative reporting accounts. These companies like XXXX XXXX, XXXX XXXX and XXXX credit are not even authorized to conduct business in my previous state XXXX and my now new home state of XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OK | 74133 | null | Consent provided | Web | 2023-02-12 | Closed with non-monetary relief | Yes | null | 6,559,517 |
2023-08-05 | Checking or savings account | Checking account | Problem caused by your funds being low | Overdrafts and overdraft fees | Bank of America has been charging fees after the account goes overdraft for every transaction even when is one dollar I get charge {$35.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 91331 | null | Consent provided | Web | 2023-08-05 | Closed with explanation | Yes | null | 7,356,434 |
2023-04-25 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | Wakefield and Associates ... And...
XXXX XXXX XXXX, XXXX These XXXX companies work together to collect payment for debts not owed. I paid XXXX not realizing until later it was not actually owed by my XXXX XXXX XXXX daughter, and are trying to get another one paid using XXXX as the creditor, however, they will not release the name original debt or why it went to collection without me getting a first bill. My child is not responsible for herself or her own debts and has signed nothing claiming to be. She is insured, and had a second insurance to cover all copays at the time. We are current patients of all doctors and hospitals we use. NONE of them have contacted me with an unpaid bill. I want them to stop contacting me, or my child that lives at home. They are a nasty company that bilked {$900.00} out of my mom, who has XXXX, for an XXXX XXXX that was covered by her insurance, and the aXXXX XXXX wrote off the copay already that Medicaid didn't cover. I feel these people get their accounts from Medicaid write offs, as I've not experienced them outside of a medicaid co-pay issue that was settled without going to collection. THEY ARE A SCAM. They are rude, they don't need people 's private information. How they legally operate is beyond me. | null | W&A Intermediate Co., LLC | TX | 756XX | Servicemember | Consent provided | Web | 2023-04-25 | Closed with explanation | Yes | null | 6,881,392 |
2022-11-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have paid the company! I have sent several letters requesting verification, but there has been no response. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 33179 | null | Consent provided | Web | 2022-11-05 | Closed with non-monetary relief | Yes | null | 6,172,125 |
2022-09-01 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Information is incorrect | All 3 credit companies told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer. I was victim of 2 data breaches I have not received any validation from XXXX, XXXX, Experian they violated FCRA611. I requested that they don't use e-oscar for this and instead verify that they have the contract of my signature onsite for FCRA 609a1a. I challenge that because I never received substantial information such as an original signed consumer contract from none of them. During this time period I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from all 3 agencies per FCRA and FDCPA | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30331 | null | Consent provided | Web | 2022-09-01 | Closed with explanation | Yes | null | 5,940,397 |
2020-12-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AL | 361XX | null | Consent provided | Web | 2020-12-21 | Closed with explanation | Yes | null | 4,024,038 |
2016-02-02 | Student loan | Non-federal student loan | Can't repay my loan | Can't decrease my monthly payments | I went to XXXX University in XXXX, Maryland for 5 years. My loans were through XXXX XXXX which is now Navient. I have around XXXX in loans. I have tried to make my payments on time and in full but I can not. The operators when I call have no solutions or knowledge, and can not help me, yet they hound me constantly to make a payment. Navient loans is contentiously calling me and harassing me to make a payment. I 've tried to work with them to get my payments lowered and they said they can do nothing for me. My co-signers are in debt as well but make more money than I do. I make only XXXX a year, and I 'm about to have a baby. But Navient continuously calls and says that I need to make my payments before I go into default. I have told them about my situation and they have no solutions for me. I can not afford almost half of my paycheck to go to my Student Loans. It 's ridiculous that I can not have my payments lowered to work with my financial situation. | null | Navient Solutions, LLC. | MD | 21804 | null | Consent provided | Web | 2016-02-02 | Closed with explanation | Yes | Yes | 1,770,148 |
2021-05-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | XXXX, XXXX and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX, XXXX and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93726 | null | Consent provided | Web | 2021-05-19 | Closed with explanation | Yes | null | 4,390,585 |
2020-06-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$630.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 35805 | null | Consent provided | Web | 2020-06-02 | Closed with explanation | Yes | null | 3,679,363 |
2023-03-15 | 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 | RE : CFPB Complaint ID XXXX XXXX XXXX XXXX XXXX XXXX I recently submitted a CFPB complaint detailing erroneous late payments being report which are violations of my consumer rights under 15 USC 1681 ( 2 ) ( a ) ( i ) and also section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report How can I be late on payments when there is a finance charge ( 15 USC 1605 ) that's payable to me? In addition to that my statements are proof of the credit ( s ) that are due to my estate ( owner ) of the account. FCRA SAYS THAT TRANSACTIONS AND EXPERIENCES ARE TO BE EXEMPT FROM REPORTING!!! This complaint should have never been closed without a satisfactory investigation using FCRA guidelines as a medium between the consumer and the person making the report!
15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 708XX | null | Consent provided | Web | 2023-03-15 | Closed with non-monetary relief | Yes | null | 6,702,987 |
2023-08-11 | Checking or savings account | Other banking product or service | Problem with a lender or other company charging your account | Transaction was not authorized | Comenity Bank XXXX XXXX aka XXXX XXXX aka Cathrines they said I received merchandise from them and I never received any merchandise from them I filled a police report and sent it to them along with a affidavit from them. And Comenity Bank said I receivec merchandise. I live in a bad area XXXXXXXX XXXX all the time they steal packages and break in cars. The police can't do anything but give you a police report. One week they broke into 21 cars. This is a XXXX XXXX and they always pick on the seniors. I called and told them about it today and spoke with XXXX employer # is XXXX frm Comenity Bank. They are making my credit bad I never paid them for something I didn't order. They reported to the credit bureaus. What can I do and they know I'm a senior of XXXX yrs old and taking advantage of my senior years. | null | Bread Financial Holdings, Inc. | GA | 30331 | Older American, Servicemember | Consent provided | Web | 2023-08-12 | Closed with non-monetary relief | Yes | null | 7,386,719 |
2020-02-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is the second time I have had identity theft. I'm not sure what is going on, but this second time I decided to pull my credit report because I knew something is not right. When I looked through my report there was a list of fraudulent items on my report. Please remove these accounts from my credit.
BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} XXXX XXXX {$2600.00} XXXX XXXX {$960.00} XXXX XXXX {$18.00} XXXX XXXX XXXX {$21000.00} USDOEXXXXI XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$9800.00} XXXX XXXX {$5300.00} XXXX XXXX, XXXX XXXX {$820.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$280.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AR | 721XX | null | Consent provided | Web | 2020-02-17 | Closed with explanation | Yes | null | 3,534,205 |
2022-10-26 | Student loan | Federal student loan servicing | Struggling to repay your loan | Problem lowering your monthly payments | RE : REFUND REQUEST According to studentaid.gov " You can get a refund for any payment ( including auto-debit payments ) you make during the payment pause ( beginning XX/XX/XXXX ). Contact your loan servicer to request that your payment be refunded. '' According to studentaid.gov " If you made payments during the payment pause and your current balance is higher than the amount of debt relief you receive, you wont get an automatic refund after you apply for debt relief. This is because the full amount of debt relief will be applied to your loan balance. If you still want to receive a refund for voluntary payments you made during the payment pause, contact your loan servicer. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, I contacted my servicer EdFinancial via an online form for a refund request for all voluntary payments made during the COVID Debt Relief Payment Pause. After hitting submit, I thought it may be faster to speak to an agent, so I called.
On XX/XX/XXXX, I contacted my servicer EdFinancial to process a refund request of all payments made during the payment pause. The agent I chatted with told me all refunds would be processed as part of the one-time student loan cancellation recently announced by President Biden. I explained that I am not interested in, nor eligible for the one-time student loan cancellation announced, but that I am interested in a refund of all voluntary payments made during the Covid Payment Pause. I was told there was no timeline that could be given for that refund. I left the call.
On XX/XX/XXXX, I did more research online, then followed up by using the chat service with another EdFinancial agent regarding getting a refund of all payments made during the COVID XXXX forbearance period and explained that I do not want to wait on the Biden Debt Forgiveness plan that was more recently announced. I was told a refund request was submitted and that any refund approved would be issued directly to me. I received no timeline for how long this would take and received no verification of my request.
On XX/XX/XXXX, I received an email confirming a refund request was submitted. However, it was also followed by " Please note, that all refunds will be processed according to the U.S. Department of Education 's timeline for the discharge program. '' Which again is NOT the program I inquired about and is one I adamantly explained that I was not eligible to participate in when I spoke to the other two agents on XX/XX/XXXX.
At this point I am not sure if they are processing my refund request for all payments made to them beginning XX/XX/XXXX to the present date or if they have essentially denied it by their assuming I'm eligible for the one time debt discharge that is currently paused in court despite my request for a refund and explaining that this is separate from the biden one time debt relief announcement.
This program is meant to provide RELIEF to people experiencing difficulties due to covid. I am currently unemployed and have {$0.00} income, so am in dire need of a rapid resolution. If EdFinancial has not indeed ignored my refund request, then there is also no reason I'd have to wait an estimated 6 months to 1 full year to see my refund which is absolutely unacceptable in this economy, especially when other loan servicers are processing these at a much faster rate. I believe this is a delaying tactic they are using to avoid refunding borrowers who have made voluntary payments during the relief period. | null | EdFinancial Services | LA | 701XX | null | Consent provided | Web | 2022-10-26 | Closed with explanation | Yes | null | 6,131,043 |
2023-08-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 15 U.S.C 6802a Section States : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S.C. 6802a ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless 15 U.S.C. 6802a ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S.C. 6802a ( b ) ( 1 ) ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S.C. 6802a ( b ) ( 1 ) ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C. 1666b ( a ) Time to make payments : Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. 15 U.S.C. 1681e ( b ) Accuracy of report : Whenever aconsumer reporting agencyprepares aconsumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. | null | EQUIFAX, INC. | MD | 20904 | null | Consent provided | Web | 2023-08-22 | Closed with non-monetary relief | Yes | null | 7,440,093 |
2023-04-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible.
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX | null | EQUIFAX, INC. | GA | 30309 | null | Consent provided | Web | 2023-04-10 | Closed with explanation | Yes | null | 6,814,804 |
2023-08-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 33010 | null | Consent provided | Web | 2023-08-10 | Closed with non-monetary relief | Yes | null | 7,381,529 |
2021-01-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have attempted to contacted XXXX and XXXX on multiple occasion to investigate an account with XXXX XXXX XXXX/XXXX in the amount of {$2300.00} which is reporting on my credit report as a collection account. I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above mobile services company. I am a XXXX-year-old XXXX woman who do not use these services, nor have I given authorization to anyone to use my person information for these services, this account was obtained fraudulently, and which is appearing on my credit files severely damaging my credit rating., After many failed attempts to alert Experian , XXXX and XXXX I am overwhelmed and do not know what else to do. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90016 | Older American | Consent provided | Web | 2021-01-21 | Closed with explanation | Yes | null | 4,084,662 |
2021-06-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act. | null | EQUIFAX, INC. | PA | 194XX | null | Consent provided | Web | 2021-06-01 | Closed with explanation | Yes | null | 4,422,301 |
2023-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXXXXXX Balance : {$19000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 37921 | null | Consent provided | Web | 2023-05-04 | Closed with explanation | Yes | null | 6,924,828 |
2020-12-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Pulled up a copy of my credit report and seen there were some accounts that aren't mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute are listed below : XXXX # XXXX. Also, please remove ALL following unknown inquiries : XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX | null | EQUIFAX, INC. | MI | 49120 | null | Consent provided | Web | 2020-12-09 | Closed with explanation | Yes | null | 3,999,022 |
2017-09-25 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I submitted my original complaint about a month ago ... .still waiting on a resolution from XXXX ... .they have been very slow about getting back to me and giving me the information I have requested now ... ..2 times in certified mail ... ... .8 times verbally ... ..now 2 times with the CFPB.
They are trying to collect about {$7400.00} labeled as ... .corporate advance, for fees that are not mine. They told me it was for either construction without permits ... ..which is untrue ... .. I have and submitted twice ... ... .or for foreclosure ... ..of which I was never in foreclosure on my property ... XXXX XXXX XXXX in XXXX XXXX
They are dragging me along with no solid answers as to what the actual charges are for. | null | Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) | IL | 60015 | null | Consent provided | Web | 2017-09-25 | Closed with explanation | Yes | null | 2,684,133 |
2022-06-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | On XX/XX/XXXX, I sent an email to ask Wards and Monroe and Main to report my full credit history since opening both cards in XXXX bc it will help me as I rebuild my credit. Between the 2 store revolving charge cards, Ive made 5 purchases and paid them in full over several payments. I am just asking that be reported as well as my credit line increase from {$750.00} to {$850.00} on my Monroe and Main revolving store charge card.
In the past, Wards and XXXX both reported to the credit bureaus on the XXXX and the XXXX. Since the full payment history wasnt reported as requested, after I spoke to their credit department, sent an email to their credit department and disputed through the credit bureau process, I am now contacting CFPB to intervene on my behalf.
I am still asking that my complete credit history with the companies be reported as well as my credit line increase for my revolving store charge cards.
https : //www.wards.com/cm/frequently-asked-questions-faq.html # q1 https : //www.monroeandmain.com/cm/frequently-asked-questions-faq.html # q1 As you can see from the companies FAQs online page : both Wards and XXXX advertise that they report complete payment history for their store branded revolving charge cards and one way they offer credit is by sending out catalogues with pre-approved limits to potential customers, which is how I came to find out about each store.
When I considered opening these charge cards, I called their customer service to find out more. I knew that after the cards were open 90 days and had a balance, they would start reporting to the credit bureaus and they would report complete credit history of their store branded revolving credit cards. I was also told in a conversation with customer service they would stay open if they were in good standing for a year and then possibly close due to inactivity if no purchases were made. Their FAQs advertise how they can help build credit history. I decided to open these cards and order products and rebuild my credit with positive payment history due to these reasons. I have made 5 purchases and paid each off. In between purchases my accounts were not closed. The credit was available to be used for new purchases without reapplying. They are open revolving charge cards. They are open today. ( I mention all this bc as I will explain XXXX, not only moved my revolving charge cards to other loans, which they are not by their own companies website, they also marked them closed ) ALL I AM ASKING FOR IS : my COMPLETE PAYMENT HISTORY be reported for my Wards and XXXX cards. From XXXX to XXXX. The companies report payment totals from the XXXX and last of the month.
report my CREDIT LINE INCREASE on my XXXX card from {$750.00} to {$850.00} which has been active for a few billing cycles. This helps rebuild credit score as well. I should not be denied the benefit of the credit line increase I earned from good payment history.
my REVOLVING STORE CHARGE CARDS return to that section of my credit reports where they belong ( because thats what they are and it is also stated on both WARDS and XXXX websites ) it is also where they were since the cards first started reporting on my credit reports and were for many updates over months. They were only placed in a different category, which isnt reflective of they type of credit they are after I requested a COMPLETE PAYMENT HISTORY. They seem persecutory and retaliatory for requesting a complete payment history and UPDATED CREDIT LINE INCREASE. I dont think I should be punished for merely asking for what the company advertises because it will help me as I rebuild credit. Their so not right. I have been a good customer, who made 5 purchases and paid off each of those purchases on my OPEN REVOLVING STORE CHARGE CARDS over 1-2 months as required. All payments made on time. More than the minimum paid.
XXXX to mark my Wards and XXXX revolving store cards as OPEN XXXX, XXXX and XXXX to return my REVOVLING STORE CHARGE CARDS to the section of my credit reports they were 1st listed, the proper one, that describes they credit product they are. Where the rest of Wards and XXXX customers have their cards reported It shouldnt be this hard to request a complete payment history or updated credit line increase.
If I could send you the total of payments I made for each card I would but the statements in my online store accounts are not hyperlinked and never have been, except for the last statement when there is still an amount owing. That is all I have asked for. For Wards and XXXX to send the COMPLETE PAYMENT HISTORY, total of payments made on each card : ( and CL increase on MM ) TOTAL PAYMENTS MADE ON WARDS AND XXXX CARDS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, if I could just tell you the totals from looking at my statement I would, if that made it easier.
These are the purchases I have made at each online store : The are generally due after 30 days after purchased. Wards has a minimum of {$10.00} per month, XXXX {$20.00} per month. After each payment my revolving store charge card remained open to make new purchases and they are open now. They have reported on the XXXX and XXXX in the past. I dont care if the companies dont report on month where there are no purchases. I just want credit for all the purchases and payment I made because unless I am incorrect, that is my right and is fair credit practices.
WARDS Order History : ( after each order my account remains open, is open today ) Minimum payment of {$10.00} per month, 30 days or more after purchase XX/XX/2022 XX/XX/2022 XX/XX/2022 MONROE and MAIN Order History : ( after each order my account remains open, is open today ) Minimum payment of {$20.00} per month, 30 days or more after purchase depending on date of purchase XX/XX/2022 XX/XX/2022 XX/XX/2022 RESOLUTION : WARDS and MONROE And MAIN report my complete credit history ( as they advertise they do ) to the 3 main credit bureaus XXXX, XXXX, XXXX update to reflect my complete payment history from XXXX - XXXX the 3 credit bureaus all update my XXXX card to reflect my credit line increase from {$750.00} to {$850.00}. I made a minimum of one purchase after the increase but I believe it was 2 purchases after my credit line increase so it shouldve been already reported.
XXXX to mark my cards as OPEN which they are XXXX, XXXX AND XXXX to make sure my WARDS and MONROE and MAIN REVOLVING STORE CHARGE CARDS are reported under the correct category, along with other revolving open loop credit cards and closed loop revolving store charge cards.
It is BIZARRE that they were moved to other loans and/or marked closed and it seems like a retaliation for requesting a accurate reporting of COMPLETE CREDIT HISTORY and possible because I said I opened these cards to help improve and keep my credit utilization % under 30 which 100s of 1000s of article on credit building recommend. It is when I carefully chose to become a new Wards and MONROE and Main customer. I knew they cards remain open, would not be closed until there had been inactivity. There has been no inactivity. I knew they would improve credit utilization %. I dont think there is anything wrong with saying thats why I opened them and thats how they benefitted me. I benefitted them by making purchases and paying on time and with a little interest. I should not be punished by having my accounts which reported for several updated reports over months under the correct category of revolving store charge/credit cards moved to other loans as a punishment bc it is less beneficial to my credit rebuilding. My WARDS and MONROE and MAIN should be reported the same way all the rest of their customers have their cards reported, like they were for months.
https : //www.wards.com/cm/frequently-asked-questions-faq.html # q1 https : //www.monroeandmain.com/cm/frequently-asked-questions-faq.html # q1 Does Montgomery Ward report to credit bureaus?
Wards reports information regarding its open, active accounts. Information reported includes all relevant historical information, including the account open date and ==> the complete payment history. <== Does Monroe & Main report to credit bureaus?
Monroe & Main reports information regarding its open, active accounts. Information reported includes all relevant historical information, including the account open date and the ==> complete payment history. <== On-time payments to your Monroe & Main Credit account are an effective way to build a strong credit report and improve your credit score.
How does Montgomery Ward Credit work?
In many ways, Wards Credit works in the exact same way as any ==> store-branded credit card <==, however there are a few notable differences that make our plan more customer friendly.
Wards Credit is open-ended, meaning that you do not have a fixed number of payments, like a car loan or mortgage.
How does Monroe & Main Credit work?
In many ways, Monroe & Main Credit works in the exact same way as any ==> store-branded credit card <==, however there are a few notable differences that make our plan more customer friendly.
How do I apply for Montgomery Ward Credit?
Wards offers credit to thousands of people each year. Most credit accounts are opened in response to a ==> pre-approved credit offer that was included in a catalog <== ( how I became a customer ) or offered online.
To CFPB : It should not be this difficult to ask a company to update my report with a complete payment history. It should not result in having a revolving store charge card moved to a less beneficial category which is inaccurate as a punishment for simply requesting information that is accurate that can benefit a consumers credit report. It should not be this difficult to request an accurate reporting of a credit line increase. A request for a complete payment history should not result in having accounts that are open marked as closed. This should all be corrected ASAP bc its hurting my ability to apply for credit and causing me so much grief and taking so much time. It was a simple request. It should have been a simple solution.
I will include a number of screen shots and documents but I can send more such as the dates of all reports that showed my Wards and XXXX cards reported in the correct Revolving / STORE CHARGE / CREDIT CARD categories where they belong if necessary Both cards are open today, I could use my WARDS {$480.00} limit and MONROE and MAIN {$850.00} to make purchases from their store if I chose to right now. They are not closed and have never been in between purchases. | null | Colony Brands, Inc. | MI | XXXXX | null | Consent provided | Web | 2022-06-30 | Closed with explanation | Yes | null | 5,724,538 |
2015-05-10 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt resulted from identity theft | Back in XXXX, I received a letter that says that I owe XXXX {$3600.00}. The problem is that I never started an account with XXXX, nor had the knowledge of it being in my name. Recently, the false debt has been reported to the credit bureaus. | null | ORG GC GP Buyer, LLC | TX | 752XX | null | Consent provided | Web | 2015-05-10 | Closed with non-monetary relief | Yes | No | 1,368,649 |
2017-04-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Inquiries added to my report that I did not authorize | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | FL | 338XX | null | Consent provided | Web | 2017-05-10 | Closed with explanation | Yes | null | 2,468,151 |
2020-12-01 | Debt collection | I do not know | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | I have been receiving multiple automated calls from numbers in different area codes that would not leave messages and I don't pick up calls from unknown numbers. Then I started to receive automated calls with a robot message, which I thought was a scam as no professional company leaves a robot message that doesn't speak in proper English. A couple weeks ago, I happened to answer a call from a XXXX area code. A man replied he was XXXX XXXX with attorneys of XXXX XXXX and Associates and was contacting me because he had some papers on his desk from Check n ' Go wanting to sue me over a debt from 2014. He said incorrect name of my employer and the call sounded fishy, as I told him I had no knowledge of a debt with Ckeck N ' Go and wanted written corresspondence confirming said debt. He stated his company is a " green company '' and could send email only. Then he asked what my email was. I didn't trust him or the reason for his call so I said I would look into it and got his contact info. If he had my information already, why was he asking for my email? He said he is located in XXXX and I questioned why I'm getting these XXXX area code calls, along with unknown numbers. He said something about it helps people who don't have long distance available as it pings of a local tower??? I asked for his role with the company and he said credit specialist. He was very rude and aggressive and said the outlook of this matter depends on him and I need to call him back as soon as possible. When I said I was leary of the call, he said there probably is video footage that he can get in a threatening way. This made me more suspicious. After multiple robo calls again, I get a voicemail from a XXXX number this morning ( XXXX ) on my cell and at work. The message threatened to have me sued and summoned at work if I didn't respond today and that there was a certified letter from the bank and video footage of me walking into this said business of which they say I owe a debt. In the voicemail, it was as if he was making fun of my questioning the nature of this call, as he stated ... '' I spoke to you on XX/XX/XXXX in reference to some bad check allegations that were scheduled to be levied against you in XXXX XXXX Court by one of our clients and if I remember you correctly, you're a bit skeptical of any and all things great and small ... listen we have to clear out our backlog because of this virus going on and I can't allow these accounts to stack up in our office ... '' He mentioned in the initial call that Check N ' Go is reaching the statute of limitations as they have 7 years to collect a debt. I have googled this mand and attorney 's office and there are multiple complaints against their business practices and are known to be threatening and aggressive with people they call to basically scare them into paying money that they might not even owe. They need to be stoped immediately as this is harrassment! | null | CNG FINANCIAL CORPORATION | IN | 46375 | null | Consent provided | Web | 2020-12-14 | Closed with explanation | Yes | null | 3,982,835 |
2023-05-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | DC | 20019 | null | Consent provided | Web | 2023-05-01 | Closed with explanation | Yes | null | 6,909,705 |
2021-03-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | I have accounts on my credit report that have been paid and the company agreed to remove them off my report but they still appear on the report. I have notified the credit reporting agencies and they are still on my report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | TX | 760XX | null | Consent provided | Web | 2021-03-19 | Closed with explanation | Yes | null | 4,229,371 |
2021-07-18 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | Hello, I am writing out this complaint today because i was unfortunately the victim of identity theft and because of this unfortunate event in my life the criminal then used my information to receive goods and other products using my information that he stole from me. They then neglected their payments and let the accounts that they opened under my name without my consent, be submitted to collections. I did not catch onto to this event until 3 years later and have since been trying to get my life back together for me and my family. I then went ahead and submitted the appropriate paperwork to the local authorities and then submitted the documents to all parties that were reporting the accounts on my credit report. All parties that received the paperwork such as ; XXXX XXXX, and XXXX acted promptly and removed the accounts that stemmed from this event. The only one that continues to harass me about this old debt is the collection agency known as XXXX XXXX XXXX XXXX. I also submitted the paperwork to them and they responded with a screenshot of the receipt that was signed from the company and a screenshot of someone else debt which they are trying to claim i am to person responsible. Please help me as they have clearly violated my consumer rights according to the 605B of the FCRA. | null | CAPITAL ONE FINANCIAL CORPORATION | CA | 923XX | null | Consent provided | Web | 2021-07-18 | Closed with explanation | Yes | null | 4,553,032 |
2022-12-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX is reporting that I was 90 days late on XXXX different loans in XX/XX/XXXX, though my XXXX payment is on time.
I have disputed with the company, spoke to reps, mailed letters and to know avail.
In addition : This account is a billing error. A creditor that fails to comply with the requirements outlined in the fair credit billing act forfeits any right to collect from the XXXX.
This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 Defines a finance charge. I respectfully request your company provide me with the documentary evidence that clarifies this billing error.
I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financed sale as defined in paragraphs ( XXXX and ( XXXX ) of this section.. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I DO NOT consent to furnishing any negative information to any non affiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court input and XXXX my versus 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. | MO | 63108 | null | Consent provided | Web | 2022-12-15 | Closed with explanation | Yes | null | 6,327,019 |
2018-12-24 | Checking or savings account | Checking account | Closing an account | Can't close your account | XX/XX/2018 i went in my local branch in XXXX ga, to close my checking account and saving account, i spoke to the Head office over the phone and in person they advise me they will not close my acconts, as well they let companys take advange of my checking and countiune to let the companys, countiue to over draft my cheking, and the creadit union kept appling {$36.00} overdraft fees, name of the company that has the account transworld system inc, i do not owe {$910.00} | null | TRANSWORLD SYSTEMS INC | GA | 30224 | Servicemember | Consent provided | Web | 2018-12-24 | Closed with explanation | Yes | null | 3,108,663 |
2021-09-04 | Mortgage | Conventional home mortgage | Incorrect information on your report | Account information incorrect | XX/XX/2021 awarded forbearance for 180 days with no late fees, charges or amount owed back during time or forbearance. My credit report states I missed my payments XXXX XXXX XXXX The payments due were {$0.00}. {$0.00} was paid. Yet I am reported late and delinquent for those months. Also, all those months during forbearance the accrued amount has been added up and on to my total mortgage loan amount. In the statements it says no interest fees will be charged ; no amount will be added or need to be paid back yet every month they charge me or add on to my total. This is misleading and falsified information. Now XX/XX/2021 I am on a loan trial payment that is less than the monthly amount reported on my account and was paid in XXXX but not changed or updated on my credit report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LAKEVIEW LOAN SERVICING, LLC | CA | 93722 | null | Consent provided | Web | 2021-09-04 | Closed with explanation | Yes | null | 4,692,611 |
2022-07-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C. 1681 section 602 A. states I have the rights to privacy.
15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78260 | null | Consent provided | Web | 2022-07-11 | Closed with non-monetary relief | Yes | null | 5,755,893 |
2021-06-29 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. | null | Receivables Management Partners, LLC | MI | 48174 | null | Consent provided | Web | 2021-06-29 | Closed with explanation | Yes | null | 4,500,228 |
2020-07-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I contacted Equifax by certified mail three items ( mailed : XXXX, XX/XX/XXXX, & XX/XX/XXXX received : XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX respectfully ) requesting an investigation into some inquires that were in dispute. I received responses claiming they were factual within days of sending these letters. In the last letter I requested a deletion unless they could provide any documentation they collected from the investigation and was provided with nothing except the same " verified as factual '' response form letter I do not believe a thorough investigation was preformed because of the quickness of their response and the complete lack of any supporting evidence. Also, I sent similar letters to XXXX and XXXX disputing the same inquires on the same date ( XXXX ) and they have yet to respond but Equifax was able to respond thrice in the same amount of time. This leads me to believe they relied on an automated system to respond to my disputes without doing any due diligence and are in fact unable to provide any verification. | null | EQUIFAX, INC. | AZ | 85743 | null | Consent provided | Web | 2020-07-31 | Closed with explanation | Yes | null | 3,774,028 |
2021-12-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32714 | null | Consent provided | Web | 2021-12-01 | Closed with non-monetary relief | Yes | null | 4,967,069 |
2022-11-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | OH | 443XX | null | Consent provided | Web | 2022-11-29 | Closed with explanation | Yes | null | 6,258,580 |
2022-04-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | There are accounts under my name that are reporting INACCURATE and UNAUTHORIZED inquiries that are violating my FCRA rights. I already files a proper documentation regarding these accounts and I have attach documents for these accounts I am complaining. | null | EQUIFAX, INC. | TX | 77657 | null | Consent provided | Web | 2022-04-06 | Closed with explanation | Yes | null | 5,415,183 |
2020-08-30 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was paid | Quality Assets is trying to recover co-pay from a doctor visits. The doctors office will not render service on day of appointment unless co-pay is paid at time of service. My credit is being effected by these derogatory claims and my credit standing is very good.
I would like Quality Assets to provide consent of dialing mobile phone number. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Quality Asset Recovery LLC | PA | 19111 | null | Consent provided | Web | 2020-08-30 | Closed with explanation | Yes | null | 3,821,301 |
2019-03-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am sending this complaint forward as I have attempted to dispute fraudulent accounts and information on my credit reports, yet to no avail. I need to have these accounts reviewed along with the Identity Theft validating documents. | null | EQUIFAX, INC. | NC | 28217 | null | Consent provided | Web | 2019-03-14 | Closed with non-monetary relief | Yes | null | 3,179,904 |
2017-05-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | My credit report has an incorrect address. The address on the report is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , NV. Other than when I was in the XXXX , I have lived in Colorado my entire life. Associated with this XXXX . address are bills from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do. XXXX | null | EQUIFAX, INC. | CO | 81301 | Older American, Servicemember | Consent provided | Web | 2017-05-02 | Closed with explanation | Yes | null | 2,472,337 |
2022-12-03 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | I attempted to make a purchase of {$87.00} using pay pal credit. The Purchase was denied. The vendor accessed the PayPal system and attempted to make the withdrawal directly from my bank account when the PayPal credit Icon was selected. purchase. The Bank XXXX XXXX XXXX ) denied the transaction because the vendor did not have any authorization or proof of a purchase on a XXXX XXXX account..
After the failed identity theft attempt, Pay Pal, Rather than place the purchase of the vendor 's item on the original purchase platform offered by PayPal credit and accepted by me and allow 6 months for payment, PayPal took over the purchase and sought immediate payment prior to the 6 month contract that was agreed to prior to purchasing the vender 's service.
PayPal has initiated collections activity prior to the 6 months that the PayPal credit agreement terms which I agreed to prior to the purchase.
PayPal refuses to add the {$87.00} purchase on the PayPal credit account and wait for the payment. This is false advertising and identity theft by the vendor to access the bank account and trigger the shift the purchase from PayPal credit to PayPal. | null | Paypal Holdings, Inc | WA | 98382 | null | Consent provided | Web | 2022-12-03 | Closed with monetary relief | Yes | null | 6,270,067 |
2022-09-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | CKS financial Investment account was paid and they are refusing to update my credit report. | null | Webcollex, LLC | FL | 33027 | null | Consent provided | Web | 2022-09-16 | Closed with explanation | Yes | null | 5,989,872 |
2023-06-27 | Checking or savings account | Checking account | Problem caused by your funds being low | Overdrafts and overdraft fees | On XX/XX/2023, I opened a savings account with U.S. Bank under the impression that I would be getting monthly fees. I never heard of a bank charging monthly fees for a saving account, and certainly not if they're a XXXX. When I called the customer service agent, she had the audacity to tell me that I have to bring my overdrawn balance of - {$10.00} back to {$0.00} in order for her to close my account. Not even her supervisor can override these charges. U.S. Bank is a thief. They've been taking my hard earned money every month since XXXX and I didn't even realize. And they have the nerve to require me to bring my balance back to {$0.00} on top of the {$10.00} fee they keep charging my account every month? Even when my savings account was {$50.00}, they gave me a fee reimbursement that first time on XX/XX/2023. They need to return all the money they stole and close my savings account or I'm filing a lawsuit. I'm reporting this to the FTC and the Financial Regulator in their state. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | IL | 60607 | null | Consent provided | Web | 2023-06-27 | Closed with explanation | Yes | null | 7,175,630 |
2021-11-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Please " Remove '' the account for it is damaging my report, which would not be happening if Equifax investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : ( XXXX XXXX ) | null | EQUIFAX, INC. | NY | 10314 | null | Consent provided | Web | 2021-11-19 | Closed with explanation | Yes | null | 4,928,350 |
2023-04-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There was a credit card opened without my knowledge or authorization. The credit card company is XXXX XXXX XXXX XXXX. My account was crossed referenced with someone else for a few years so I was unable to access my report. After finding out the account appeared on my credit I reached out to XXXX XXXX to close the account in XXXX. They then reported the account as 30 days late in XXXX after a credit dispute with Experian also in XXXX, it was updated to closed again in XXXX. I have initiated disputes with Experian, XXXX and XXXX. There is missing data from XXXX that I brought to the attention of the fraud specialist at Experian. They allowed XXXX XXXX to report the account was 30 days late on a closed account then they allowed then to close the account again. When I disputed the account I included a FTC identity theft affidavit also. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 239XX | null | Consent provided | Web | 2023-04-19 | Closed with explanation | Yes | null | 6,864,074 |
2022-06-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Im writing you today inquiring about what steps can I apply to be in good standing with the following organizations in the future : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX JPMorgan Chase Bank , N.A .
XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I filed for Bankruptcy in XX/XX/XXXX after trying to avoid it for two years due to the family hardship I endured while XXXX. After administering a self-assessment and the counsel of a financial advisor, I concluded the events and decisions that lead to the filing of bankruptcy. Shortly after entering the XXXX XXXX XXXX in XXXX, my wife had to XXXX XXXX in XX/XX/XXXX. Due to the XXXX XXXX XXXX XXXX being at XXXX capacity, my wife was informed she had to see a provider in the local XXXX XXXX that was approved by our XXXX medical insurance to XXXX XXXX. A week later my wife XXXX XXXX XXXX XXXX, and after bringing her to the XXXX XXXX XXXX XXXX XXXX XXXX, the ER physicians informed us that the XXXXXXXX XXXX XXXX XXXX. Since XX/XX/XXXX, my wife has had XXXX XXXX to correct the XXXX she received off-post. My wife has been XXXX XXXX XXXX XXXX XXXXXXXX from XXXX XXXX XXXX XXXX XXXX After receiving the notification that she would need another XXXX. I would go on small vocations lasting no more than four days to different countries while XXXX in XXXX ( XXXX XXXX XXXX ). I did this to try to relieve the stress, tension, and XXXX between the both of us. In addition, I spent thousands of dollars trying different supplemental products we thought would assist with her other medical conditions that affect her anatomy.
The prescription medications that were prescribed to her by Primary Care Managers XXXX XXXXXXXX XXXX XXXX, and I refused to let her deal with those issues without trying XXXX products. I've also flown family members to both XXXX and XXXX to assist with my wife 's XXXX XXXX XXXX XXXX Lastly, my wife and I have an eighteen-year age difference and we share XXXX adult children and XXXX grandchildren. Due to the extensive amount of available credit on my credit cards, I assisted them irrationally in terms of my spending on our grandchildren 's quality of living needs. One of our adult children is a dependent that has lived with us at both duty locations. My wife and I are legal guardians for XXXX out of XXXX grandchildren. We currently have XXXX grandchildren residing with us in XXXX. One of our grandchildren previously lived with us for a year between XXXX and XXXX, and the financial obligations associated attributed to my debt. We've immediately decided to have a discussion following my bankruptcy with our adult children about their role and responsibilities as parents, adults, and to include our financial situation which pertains to a minimal level of support financially in the future. My bankruptcy was fully XXXX on XX/XX/XXXX and eliminated {$73000.00} of debt.
Lastly, with this information in your possession could you please consider removing late payments from my ALL credit report because Id never missed a payment to include the payment that was due in the same month as my Bankruptcy was filed in XX/XX/XXXX.
XXXX accounts affected : XXXX XXXX XXXX JPMCB accounts affected : XXXX XXXX XXXX accounts affected : XXXX | null | JPMORGAN CHASE & CO. | HI | 96818 | Servicemember | Consent provided | Web | 2022-06-04 | Closed with explanation | Yes | null | 5,634,392 |
2022-03-24 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | I received an email from Citi Bank on XX/XX/2022 that my account will be closed, after further investigation a customer service representative by the name of XXXX on a recorded line stated that my account is being closed due to being in collections. However she spoke with a colleague and the colleague stated that they did not see a history or current information that my account has ever been in collections and this account has always been in good standing. It has always reflected from the Credit Bureaus as paid on time and there is currently no accounts that I have that are in collections. If this account closes this will affect my credit adversely and lower my credit score and I have never been delinquent. I just spoke to another representative XXXX on today and she asked for the expiration on my card and that they will apply for it to be opened when it expires. However, I am a concerned citizen if I have never missed a payment and I am responsible with my credit on this card why is it being closed like this and will thus affect my credit score that I value. This has the potential to cause a difficulty in my life if I have to apply for other credit due to this closing and it affects my credit and lowers my score. I would like a valid reason as to why this is being done. If you check my credit none of my credit cards are delinquent or in collections in anyway. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | AL | 351XX | null | Consent provided | Web | 2022-03-24 | Closed with explanation | Yes | null | 5,363,847 |
2023-06-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
PLEASE SEE ATTACHED LETTERS. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | XXXXX | null | Consent provided | Web | 2023-06-19 | Closed with non-monetary relief | Yes | null | 7,138,230 |
2018-10-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I been trying to dispute a account with navy federal credit union for the longest because I never had an account with them the address they say they have on file that the card was sent to I havent stayed they in 6 years | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | LA | 70058 | null | Consent provided | Web | 2018-10-10 | Closed with explanation | Yes | null | 3,042,363 |
2021-11-11 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNVFUNDG ( XXXX XXXX XXXX XXXX ) XXXX Balance {$97.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. | null | Resurgent Capital Services L.P. | TX | 77450 | null | Consent provided | Web | 2021-11-11 | Closed with explanation | Yes | null | 4,902,910 |
2023-06-02 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | I disputed a transaction that i did not approve and my credit went down | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 48127 | null | Consent provided | Web | 2023-06-02 | Closed with non-monetary relief | Yes | null | 7,060,953 |
2023-09-06 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I request for company yo be removed off my credit. I did not give consent to XXXX XXXX. I have confirmed that I did not give them any consent to report. A representative told me to file with credit Bureau. I would like for Transunion to honor the 15 USC 1681b no consent matter as they have not | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30263 | null | Consent provided | Web | 2023-09-06 | Closed with non-monetary relief | Yes | null | 7,505,807 |
2023-02-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | For the last few YEARS I have told all three credit bureaus and the credit agency that the information for these accounts is false. They keep saying do a dispute and then I do and they never correct it. In XXXX 2016 I was the regional property manager for apartments in XXXX KY. XXXX ( cable and internet provider ) wanted our business. My property managers all decided to give them a try. Because I was the regional I had to give it the okay. They put it as a personal account instead of a corporate. They have me under XXXX XXXX. And they are charging me several different bills for this corporate account I have tried repeatedly to have this fixed but to no avail. And they have the wrong dates on my credit report as well. | null | EQUIFAX, INC. | IN | 474XX | Servicemember | Consent provided | Web | 2023-02-23 | Closed with explanation | Yes | null | 6,602,137 |
2020-12-06 | Credit card or prepaid card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | I hope all is well ...
I have been talk to very rudely due to an error on my part when I made my payment in XXXX on XX/XX/XXXX I made it through my app on my phone. When I went to make the payment last month it already had XXXX XXXX on my account so I chose that option to make a payment. A couple days had past after I made the payment and I was checking both of my apps to make sure the payment went through. I havent ever been late on any credit or bill my whole life and if you pull my credit or look at my card history you can see that. I notice it didnt go through and called XXXX XXXX to see why they advised me that I used my Savings account with them and thats why it didnt process but I did not know that was the type of account on the options of my Wells Fargo app I thought it was my checking but it was already there so once I realized I quickly went to my Wells Fargo app and updated XXXX XXXX to the checking account and my payment came out. I do apologize it was not done on purpose it was an honest error so I technically was not late I had the money just didnt know it was XXXX XXXX Saving account on the Wells Fargo app for the select payment because it was already there. When I made the payment on XX/XX/XXXX I was already the checking account on file on my Wells Fargo app for XXXX XXXX so it went through with no problem. I called to see why my available credit was {$0.00} because I made a payment and it should be an available credit but when I called in I was spoke to really rudely as if I was really late without them asking what really happen they advised me it was an hold on my available credit. I finally did a complaint several with the executive department because some agents did not want to help or listen state I should read my terms and conditions and things like that. One executive agent advised that she reach out to the department that releases the available credit and they told her they will email me so I can send a screenshot that my payment went through XXXX XXXX and in a 2-3 couple hours I will she my available credit I did exactly that and screenshot it and my available credit is still {$0.00}. I called in Saturday and was talk to very rudely again but than I did another complaint and talk to someone else in the executive department after I had to hang up on the previous agent for not trying to help and listen to me at all but she advised me the department that releases the funds was closed on the weekend the agent after I hung up on the other agent. Im about to pay this card completely off in 30-60 days I just needed my credit for an emergency. Im XXXX and Im XXXX XXXX XXXX XXXX XXXX XXXX a year ago back to back I dont need the stress I need help and someone to listen. I made an honest error and get treated this way. My available credit is still at {$0.00} and I did everything I was supposed to do. Thank you for your time. Have a great day and please be safe. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NC | 28303 | Servicemember | Consent provided | Web | 2020-12-06 | Closed with explanation | Yes | null | 3,994,611 |
2020-12-21 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | I.c systems reported collection on my credit reports, on behalf of XXXX which I never had .. XX/XX/2019 Trying to collect {$440.00} Account is not mine I have disputed this collection with ic system over the phone and through the credit bureaus As a fraudulent account | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | FL | 33351 | null | Consent provided | Web | 2021-01-07 | Closed with explanation | Yes | null | 4,054,014 |
2022-11-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter on 10/15/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance XXXX {$2300.00} ; XXXX DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 93230 | null | Consent provided | Web | 2022-11-01 | Closed with explanation | Yes | null | 6,153,944 |
2022-10-14 | 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 FCRA this creditor ( XXXX XXXX XXXX XXXXXXXX ( Delinquent for XXXX XXXX of XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX ( Delinquent for the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ) XXXX XXXX : XXXX ( Delinquent for the XXXX of XX/XX/XXXX ), has violated my rights. Under XXXX XXXX XXXX section XXXX states I have the right to privacy. Ive been denied from housing and excluded from jobs due to the violation of XXXX XXXX XXXX XXXX XXXX. Under XXXX XXXX XXXX section XXXX section XXXX states that a consumer reporting agency can not furnish an account without my written instructions. I never gave the XXXX XXXX XXXX my permission to furnish my account and I would like the information furnish on my account to be removed ( ( XXXX XXXX XXXX XXXX ( Delinquent for the XXXX of XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX ( Delinquent for the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ) XXXX XXXX : XXXX ( Delinquent for the XXXX of XX/XX/XXXX ) ). Under XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end consumer plan as late for ANY PURPOSE. Removed the delinquent accounts from my credit report because they are violating several of my rights that are allotted to me by the FRCA. Do not respond with a generic response. I am well aware of my rights and the laws surrounding consumer credit and the FRCA. If you do not honor my request I will have to take this further and seek legal counsel.
In accordance with the Fair Credit Reporting act XXXX XXXX are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : ( Transunion ) XXXX XXXX XXXX -- Inquiry Date : XX/XX/XXXX, XXXX ) ( Transunion ) XXXX -- Inquiry Date : XX/XX/XXXX, XXXX ) ( Transunion ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX ) ( Transunion ) XXXX XXXX -- Inquiry XXXX : XX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX -- Inquiry date : XX/XX/XXXX, XXXX ) ( XXXX ) XXXX XXXX XXXX -- Inquiry Date : XX/XX/XXXX. The XXXX XXXX did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquiries as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11434 | null | Consent provided | Web | 2022-10-14 | Closed with non-monetary relief | Yes | null | 6,082,184 |
2023-06-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have reached out to the credit bureaus on multiple occasions and have yet to receive a legitimate investigation or response. I am reaching out to the CFPB Regarding my concerns with the accounts listed below Please have these accounts removed from my credit profile XXXX Date opened incorrect, Balance incorrect XXXX Balance Incorrect XXXX Date Last active incorrect Balance incorrect Date opened incorrect | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NV | 891XX | null | Consent provided | Web | 2023-06-17 | Closed with explanation | Yes | null | 7,127,004 |
2022-01-20 | 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | XXXXX | null | Consent provided | Web | 2022-01-20 | Closed with non-monetary relief | Yes | null | 5,131,169 |
2023-04-06 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60624 | null | Consent provided | Web | 2023-04-06 | Closed with non-monetary relief | Yes | null | 6,804,989 |
2020-08-17 | Checking or savings account | Checking account | Credit monitoring or identity theft protection services | Problem canceling credit monitoring or identify theft protection service | XX/XX/XXXX I called Chase on the above date, as I received a letter in the mail saying an account ( unknown type listed on the letter ) was denied due to unspecific credit reasons.
I did not open any account with Chase at all.
While being connected to the fraud department, I was put on hold then disconnected, and unable to get reconnected to them as the fraud department was now closed.
When I called general costumer service again on this date, I was unable to get any information or assistance other than I had some sort of account being handled by the collections department. I could not be helped or be given any more information at all, and was told to call back on Monday.
At this point I filed a complaint with a manager, and was given a complaint ID #.
This whole process above took about two hours.
XX/XX/XXXX I followed up with Chase on the immediate above date.
After 45 minutes on the phone, I was told that the collections account was one I had closed in XXXX. It did not have any balance, and was not in active collections.
After talking with multiple agents, I was guaranteed by three of them that no accounts had been opened in my name. ( The date listed on the letter was XX/XX/XXXX ) They had checked both the commercial and residential ends of Chase, I was told.
A manager had said the only Chase activity I had was the closed account from XXXX, in addition to no active or open applications / activity within the last 60 days.
At this pint I filed an additional complaint with Chase, and received a second ID #, that was integrated into my previous complaint.
When I got home from work on XX/XX/XXXX, about seven hours after my initial call, I had received a letter in the mail about the new debit card for my Chase checking account. This checking account had my full name, and one of my old addresses ( that I no longer live at ) I did not open this account, it was fraudulent.
I immediately called Chase again and provided the 16 digit number on the card, and repeatedly identified the account as fraudulent, and opened without my knowledge.
I spent almost three hours on the phone, was not helped at all, and was transferred to a half dozen different agents. None of them were the right department, and were therefore unable to help me. I was disconnected and had to call back multiple times. I repeatedly explained my dissatisfaction, the urgency of the issue ( my wife and I are closing on a house refinancing on the XXXX ), and that I would be filing this complaint.
I was told I would be connected to the proper department within 8 minutes.
I was put on hold and disconnected again after 30 minutes.
The account is still active, and after two days of calls, and almost six hours on the phone, absolutely no progress has been made.
I am really concerned, unhappy, and worried about my security and financial future. I would appreciate any assistance you could give me.
Thank you. | null | JPMORGAN CHASE & CO. | PA | XXXXX | null | Consent provided | Web | 2020-08-18 | Closed with explanation | Yes | null | 3,800,615 |
2022-10-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and Experian are in violation of federal law. XXXX and Experian have agreed to follow the guidelines on consumer reporting as required by law in their consumer agreements. They ignore several disputes and constantly violate consumers. Their negligence in regards to my consumer report has caused me harm as a consumer. 15 USC 6802 states that '' ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX shared my nonpublic personal information with nonaffiliated third party XXXX XXXX XXXX who shared my nonpublic personal information with nonaffiliated third parties Experian and XXXX without my prior consent even though I am required notice by XXXX XXXX XXXX. I also know that according to 15 USC 6805 states '' this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX. '' This is also a violation of 16 CFR 313.10 which states " Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 313.4 ; ( ii ) You have provided to the consumer an opt out notice as required in 313.7 ; ( iii ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( iv ) The consumer does not opt out.
( 2 ) Opt out definition. Opt out means a direction by the consumer that you not disclose nonpublic personal information about that consumer to a nonaffiliated third party, other than as permitted by 313.13, 313.14, and 313.15. '' I was not provided an initial notice as required under 313.4 ; or an opt out notice as required in 313.7. These are clear violations of federal law and I am directing all companies to stop disclosing my nonpublic personal information as is required by law. The account I am speaking of is XXXX XXXX XXXX CO through XXXX XXXX XXXX Account Opened : XX/XX/2021 Account # XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 80013 | null | Consent provided | Web | 2022-10-20 | Closed with explanation | Yes | null | 6,104,349 |
2023-08-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT. I'M REPORTING THIS TO THE ATTORNEY GENERAL AND MY ATTORNEY AS THIS IS MY 4TH REQUEST. | null | EQUIFAX, INC. | CA | 92677 | null | Consent provided | Web | 2023-08-23 | Closed with explanation | Yes | null | 7,447,162 |
2018-09-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This company ran a credit check on my without my consent or authorization. I have no idea who they are or what this was about. I disputed it but they did not delete it off my credit history with each of the three credit bureaus. This should be deleted off my credit report on / with each of the three credit agencies immediately as it was unauthorized.
Thank you. | null | FACTUAL DATA CORP. | CA | 939XX | null | Consent provided | Web | 2018-09-18 | Closed with explanation | Yes | null | 3,022,851 |
2015-09-12 | Debt collection | Other (i.e. phone, health club, etc.) | Improper contact or sharing of info | Talked to a third party about my debt | We resolved a dispute in XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 2013. This is a fraudulent attempt to reinstate a debt. | null | Cedars Business Services, LLC | CA | 94109 | Servicemember | Consent provided | Web | 2015-09-12 | Closed with explanation | No | Yes | 1,562,026 |
2015-07-11 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | I contacted XXXX to obtain services in XX/XX/XXXX. They informed me I could bundle service with XXXX. I decided that was an option I wanted. I was informed that before any billing would start the installation employee would come confirm that my residence was feasible to obtain services. The installation employee informed me that there were too many trees on my property to obtain XXXX service. He put me on the phone with a manager would informed me that all contracts would be null and void, and he was sorry I could n't obtain there services. XXXX days later XXXX sent me a bill for services rendered. I did n't obtain any services from XXXX as I did n't obtain the bundle from XXXX. I sent certified mail response requesting : 1 ) Proof that I am a customer and had requested services 2 ) Proof that services were in fact rendered at my address 3 ) If XXXX could n't provide proof that they stop sending me collections. I received no reply, but did receive a collections notice from a third party collections agency. I sent the collections agency the same XXXX questions i sent XXXX. The collections agency responded informing me that they in fact could n't prove any services were rendered and would be sending the account back to XXXX. XXXX link then sent me another collections notice on their behalf, and I again sent a certified mail response which received no reply. Now on XX/XX/XXXX, another collections agency is requesting payment of debt on behalf of XXXX at the amount of {$290.00}. This has caused me XXXX as I have NEVER missed any payments to ANY of my creditors. XXXX can not prove I had received or asked for any services. Yet, they refuse to respond to me correspendece. XXXX practices are in direct violation of the Fair Debt Collection Practices Act. | Company believes complaint caused principally by actions of third party outside the control or direction of the company | ERC | MN | 553XX | Servicemember | Consent provided | Web | 2015-07-11 | Closed with non-monetary relief | Yes | No | 1,463,611 |
2017-08-01 | 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 | A creditor from 9 years ago levied my bank account so I tried to set up an account with Experian.com, view any other outstanding debts on my credit report and make sure all old debts were paid. I had trouble doing so and Experian told me I already had a paid credit report account with them, which I was unaware of. When I finally got to see my credit history I was dismayed to see @ $ XXXX in unpaid debt but further disturbed that someone had been paying to see my debt for two months. Someone was paying @ $ XXXX/month and had used my name, ss # and DOB, an email I have never seen, a fake phone number and fake security questions to obtain ( 4 ) bi-monthly credit reports on me. I contacted Experian.com and they reconciled the account so I could see the fake information which included the last four digits of the credit card on file which was being used to pay for the account. Experian told me they could not release the name associated with the card. I filed an FTC ID Theft Report and tried to file a police report but was informed since no money had been stolen there was no crime. Experian.com amended the fake account so that I could see information about the unauthorized creation of the account but they could not provide me the name on the credit card of the individual who created the account, only the last four digits of the card and expiration date. Credit report information on me was illegally provided from Experian.com to an unknown individual on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, 2017. The information in my credit report was visible to the thief and a link mailed to an email address. I did not open or authorize this account, and I requested information regarding the individual who did open the account verbally from Experian.com on XXXX XXXX, 2017 and sent written request of such information on XXXX XXXX, 2017. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MT | 590XX | null | Consent provided | Web | 2017-08-01 | Closed with explanation | Yes | null | 2,592,200 |
2022-04-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34234 | null | Consent provided | Web | 2022-04-01 | Closed with non-monetary relief | Yes | null | 5,395,487 |
2020-08-07 | 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 | I have sent a dispute to Equifax twice. Once on XX/XX/2020 and another on XX/XX/2020. Both disputes were sent by certified mail and marked as recieved through tracking. I called Eqifax today XX/XX/2020 to follow up on not receiving feedback from my disputes. They say they havnt received my disputes. I confirmed the mailing address that I sent my certified dispute letters and the agent said that address was correct. | null | EQUIFAX, INC. | AZ | 85044 | null | Consent provided | Web | 2020-08-17 | Closed with explanation | Yes | null | 3,784,814 |
2023-01-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | The credit bureaus are illegally reporting inaccurate information on my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89502 | null | Consent provided | Web | 2023-01-04 | Closed with non-monetary relief | Yes | null | 6,394,944 |
2021-04-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I was not late with 1. American Express XXXX, XXXX, XXXX, XXXXXX/XX/2020. 2. I was not late with XXXX XXXX XXXX, XX/XX/2020.
3. I was not late with XXXX XXXX XXXX, XX/XX/2020.
4. I was not late with XXXX XXXX XXXX XXXX, XX/XX/2020.
I send all three credit bureaus dispute via certified mail. All three came back as verified. I send copy ' s of my bank 's statement from XXXX to XX/XX/2020 showing bill 's paid. | null | AMERICAN EXPRESS COMPANY | NV | XXXXX | null | Consent provided | Web | 2021-04-03 | Closed with explanation | Yes | null | 4,267,671 |
2021-02-04 | Mortgage | Conventional home mortgage | Incorrect information on your report | Account status incorrect | For approximately a {$500000.00} loan, which had both statutory and loan provision arrangements for restructuring, the bank reported unnecessary and harmful reports that it did not have to make to damage credit. It then reclassified borrower into a customer tier that prevents refinancing of the loan, that other customers can do. It then failed to update credit reports that all obligations of customer were in conformity with loan provisions or statutory provisions and instead reported and continued to report delinquent. The loan was also fully cured. The report and treatment and exclusion from products the bank has in place now for other customers with similar properties continues to be denied and extract some {$2000.00} per month in punitive improper interest. This rate penalty and product exclusion have been ongoing for at least two years and continues without redress. The report limits alternatives to this lender. | null | JPMORGAN CHASE & CO. | IL | 60612 | Older American, Servicemember | Consent provided | Web | 2021-02-04 | Closed with explanation | Yes | null | 4,117,742 |
2017-07-25 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | I HAVE TRIED ON MANY OCCASIONS TO DISPUTE INCONSISTENCIES THAT APPEARED ON MY EXPERIAN CREDIT REPORT . ONE IN PARTICULAR IS XXXX XXXX XXXX . EXPERIAN CLAIMS TO HAD VERIFIED THE ACCOUNT AS ACCURATE HOWEVER I KNOW FOR SURE THAT THIS IS AN ERROR THAT THEY REFUSE TO FIX BECAUSE THE REPORT HAS DATES DURING WHICH I HAD NO SERVICE OR RELATION AND HAS AN OUTRAGES AND INCORRECT BALANCE. EXPERIAN HAS NEGLECTED MY RIGHT TO A FCRA AND LEAVE ME TO BELIEVE THEY HAVE NO INTENT ON CORRECTING THIS ERROR. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AT ALL AND NO MATTER HOW MUCH I DISPUTE AND ASK FOR LEGIT/TRUE EVIDENCE EXPERIAN HAS FAILED TO PROVIDE ME WITH SUCH EVIDENCE OR RIGHTFULLY REMOVE THIS FALSE ACCOUNT FROM MY REPORT. THEY HAVE NOT STATED ANYTHING FURTHER OTHER THAN " THE INFORMATION IS ACCURATE '' THEY ARE NOT PROPERLY DOING THEIR JOBS. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77099 | null | Consent provided | Web | 2017-07-25 | Closed with explanation | Yes | null | 2,584,112 |
2020-10-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results. | null | EQUIFAX, INC. | VA | 23669 | null | Consent provided | Web | 2020-10-11 | Closed with explanation | Yes | null | 3,892,963 |
2023-03-20 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | My XXXX doctor for the last four years billed the wrong insurance company ; then before they billed me, or called me, or talked to me when I had quarterly treatments at their office, turned me over to a collection agency.
We called them and talked to three staff members in services, billing, and authorizations to explain the issue. They ignored us.
I paid the whole bill out of pocket and will wait for them to bill the right insurance company so I can get reimbursed. People with less money that I have would not have this luxury.
Both companies administration services are incompetent. | null | Account Resolution Corporation | TX | 781XX | Older American, Servicemember | Consent provided | Web | 2023-03-20 | Closed with explanation | Yes | null | 6,723,239 |
2023-06-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX XXXX XXXX Balance : {$950.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NV | 894XX | null | Consent provided | Web | 2023-06-14 | Closed with non-monetary relief | Yes | null | 7,113,959 |
2020-09-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Account Info Account Name XXXX XXXX XXXX Account Number XXXX This is on my credit report twice and it has been reported from a debit company that bought the debit. So it is on my experian report 3 times. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 32765 | null | Consent provided | Web | 2020-09-06 | Closed with non-monetary relief | Yes | null | 3,832,996 |
2022-11-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 15001 | null | Consent provided | Web | 2022-11-21 | Closed with explanation | Yes | null | 6,225,379 |
2021-08-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have these items that are not mine and i want them to be removed 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft VNB- LOAN SERVICES INC Account Number : XXXX This is not mine. | null | VALLEY NATIONAL BANCORP | NY | XXXXX | null | Consent provided | Web | 2021-08-30 | Closed with explanation | Yes | null | 4,676,464 |
2020-07-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. | null | EQUIFAX, INC. | GA | 30032 | null | Consent provided | Web | 2020-07-10 | Closed with explanation | Yes | null | 3,738,299 |
2021-12-06 | 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 report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action. | null | EQUIFAX, INC. | CA | 90011 | null | Consent provided | Web | 2021-12-06 | Closed with explanation | Yes | null | 4,981,358 |
2022-05-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account # : XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27613 | Servicemember | Consent provided | Web | 2022-05-23 | Closed with non-monetary relief | Yes | null | 5,589,937 |
2019-12-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | After several disputes with BBVA Compass and bureaus, finally it was clear there was a late paytment that became a charge off. I paid this late paytment as soon I found out and tried to clarify if there was mine. BBVA provided the requested information, and there was a late paytment that I found out too late, but it was paid in full.
For some reason, XXXX and XXXX are showing a 'remark' or 'comment' where you can read settle less that full balance or paid for less than full balance.
In previous disputes with XXXX and XXXX it is clear it was paid in full, and BBVA Compass confirmed time ago by phone, they sent this comment by error, and they sent againg the information assuring it was paid in full after charge off. | null | BBVA FINANCIAL CORPORATION | VA | 201XX | null | Consent provided | Web | 2019-12-10 | Closed with non-monetary relief | Yes | null | 3,461,852 |
2018-03-20 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | On XX/XX/XXXX I visited an in-network physician and paid my normal co-pay of {$50.00}. My insurance provider payed all remaining balances. IC Systems has been harassing me to pay {$720.00} to the physician claiming that payment has never been paid. A collection has been added to my report as of XX/XX/XXXX. On XX/XX/XXXX, I called IC Systems with my insurance agent who stated that the amount was paid by them 100 % and I should have not been billed. IC Systems representative stated that this will be removed and send over a letter stating the removal. On XX/XX/XXXX, I have received a phone call from IC Systems stated that I still owed and no remarks were added to the account and I would never receive a letter stating that the collection has been lifted. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | TX | 77014 | null | Consent provided | Web | 2018-03-21 | Closed with explanation | Yes | null | 2,848,982 |
2017-01-20 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Don't agree with fees charged | Repayment plan increased my payment | null | Navient Solutions, LLC. | NJ | 07304 | null | Consent provided | Web | 2017-01-24 | Closed with explanation | Yes | No | 2,297,141 |
2016-12-20 | Debt collection | Other (i.e. phone, health club, etc.) | False statements or representation | Attempted to collect wrong amount | Hello, My wife and I called XXXX XXXX to get an estimate on how much money it would cost us to file our taxes. They said we would have to come into the office and bring our documents for them to see to give us the estimate. When we arrived at their office XXXX XXXX said that our initial consultation was free and they would start charging once the work started. At that time we asked XXXX what the next step was, and we were informed that we needed to pay {$75.00} for a power of attorney so they could access our paperwork. XXXX took longer than what seemed necessary to get the form entered on the screen and we questioned her if she needed help entering the info on the screen. We assisted her with the information repeatedly to get it all entered, and finally got everything entered. Unfortunately we felt that after this process that possibly XXXX may have some difficulty doing her job, and did n't feel confident in using the firm. We called her secretary following this appointment to discuss whether XXXX is having cognitive or senility difficulties. The secretary asked us if we were going to continue to use their firm, and I said no. We expected to get the bill for the {$75.00} for the power of Attorney, but when the bill came in the mail it was for {$890.00}.
I feel this is a gross misuse of billing. I was told the estimate for the work was free. Than XXXX took a long time talking about her other clients and what she does for them, giving examples of what she has done for them. It looks like they are charging us for listening to her long drawn out sales pitch. I am only willing to pay the {$75.00} that we agreed to pay for the Power of Attorney for to be submitted online. This we already consider a loss based on the fact that we did not feel comfortable to have them actually do our work. I contacted them to complain about the bill, and they said they are charging me for the time. I said " What time '' I was told free estimate and {$75.00} for the power of attorney. I also said " You did n't do anything for us to justify charging us {$890.00}. Are you you trying to take advantage of us? ". They refused to hear our opinion, and now we have a second bill from them through a Bill collector called IC System. This is completely unfair. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | CA | XXXXX | null | Consent provided | Web | 2016-12-20 | Closed with explanation | Yes | No | 2,257,399 |
2023-01-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | This is bothering! I have been disputing my Credit File for you to remove the fraudulent accounts and information you report on my Credit File! But despite my multiple attempts my Credit File still includes a number of fraudulent items being reported! I have been requesting that you send me copies of documents you found from your investigation supporting your claims that the disputed items belong to me, and yet I received nothing! It should have been expected that the disputed items be removed from my Credit File since you are unable to support your claims! I demand you to comply with the Federal law, Fair Credit Reporting Act section 605b, and remove the fraudulent accounts and information off from my Credit File. I need you to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have been disappointing and failing me multiple times proving the rumors that you are not willing to execute your responsibilities! Under the Fair Credit reporting Act section 605b, I command you to remove the disputed fraudulent accounts and information off from my Credit File! | null | EQUIFAX, INC. | GA | 30144 | null | Consent provided | Web | 2023-01-13 | Closed with explanation | Yes | null | 6,430,485 |
2023-08-29 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding inaccuracies and erroneous information on my credit report to Transunion, XXXX XXXX XXXX. To this day, I have received no response regarding my disputes on the above dates and I even provided the documentation of the balances and payments. I feel like I am being taken advantage of and am being ignored. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
XXXX. ) XXXX XXXX XXXX XXXX ; Transunion, XXXX XXXX XXXX has inaccurate balances and inaccurate payment amounts on my account. I have disputed this with documentation, and they are refusing to re-investigate. They are reporting {$13000.00} as the current balance, which is not accurate. The balance is currently {$9000.00} as of today. They are reporting inaccurate amounts on my payments and inaccurate dates that I have made them. XXXX has agreed with me to go back into repayment as of XX/XX/XXXX, and I have uploaded the agreement and all the payments I have made. The first XXXX receipts have the accurate amount due before and after the payments. ( XX/XX/XXXX and XX/XX/XXXX ). After that they refused to provide me with the balance before and after each payment that I paid monthly. XXXX said they were not able to provide the balances to me and then when I sent them a letter requesting the documentation of my payments and subsequent balances, they added on money onto my account without my knowledge. I agreed to repay the amount that I borrowed which was {$15000.00}. And it shows that amount of {$15000.00} as the beginning balance on my first receipt XX/XX/XXXX, and then after my {$1000.00} payment, the ending balance was {$14000.00}. The subsequent payments agreed upon was {$500.00} per month and the second month had the correct beginning and ending balance. XXXX XXXX at XXXX XXXX told XXXX that the customer service cashiers were told to not give me receipts with balances on them. This does not make sense. It appears that they are hiding something and being discriminatory towards because I am XXXX. I cant even go in to make my payments anymore because of this. Then when I pulled a copy of my credit report from TransUnion, XXXX XXXX XXXX, the balance was inaccurate and is still showing {$13000.00} currently after I have made monthly payments of {$500.00} as agreed upon for 10 months. I have repeatedly requested that Transunion, XXXX XXXX XXXX to do a re-investigation and they have refused stating that XXXX XXXX has verified the information. This is a violation of my rights to not have a re-investigation done under Section 611 ( a ) which plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 7 months since my first request to investigate. Therefore, I am requesting that they remove this account from my TransUnion, XXXX XXXX XXXX credit report d/t the erroneous and inaccurate information they are reporting on me.
XXXX XXXX, account XXXX has inaccurate reporting on my TransUnion. XXXX, XXXX credit report. This account is paid in full. I have attached documentation. I disputed the amount with the TransUnion, XXXX XXXX XXXX, and they refused to investigate. On my Transunion Report, it is reporting {$3500.00} as the balance due.
XXXX ( XXXX XXXX ) # XXXX is not my account and if it was, they have sold it without my permission to a 3rd party. This is a violation 15 U.S.C 1681 section 602 A which states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written instructions. My information was also impacted by the XXXX date breach and may have got into the hands of the wrong person.
XXXX XXXX XXXX XXXX is not my account. I received a letter from the original creditor stating that I am not responsible for this balance and that it was going to be removed in 30-60 days and it never got removed. It was removed once but has since been placed back on my credit file. This is a violation of 15 USC 1681 section 604 A, which states that a consumer reporting agency can not furnish an account without my written instructions. I never gave permission.
Also, the following hard inquiries appear on my TransUnion credit Report without my knowledge. I never gave permission for these companies to pull a credit report on me on the dates documented below : XXXX. ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( Transunion, XXXX XXXX XXXX ) ; XXXX. ) XXXX XXXX XXXX XXXX ( XXXX ) ; XXXX. ) XXXX XXXX XXXX XXXX XXXX ( Transunion XXXX XXXX. ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX. ) XXXX XXXX ( XXXX XXXX XXXX. ) XXXX XXXX XX/XX/XXXX ( Transunion ) XXXX. ) XXXX XX/XX/XXXX ( Transunion ) XXXX. ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX. ) XXXX XXXX XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX. ) XXXX XXXX XX/XX/XXXX ( XXXX ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 44484 | Servicemember | Consent provided | Web | 2023-08-29 | Closed with non-monetary relief | Yes | null | 7,471,143 |
2019-03-05 | Mortgage | Conventional home mortgage | Incorrect information on your report | Account status incorrect | My home mortgage was sold by XXXX XXXX to XXXX XXXX. Since that time the company has changed its name twice. ( XXXX XXXX and now NewRez ) In XX/XX/2018 I paid my mortgage through XXXX XXXX 's online Banking program on XX/XX/2018. XXXX XXXX said they didn't get it. XXXX XXXX cancelled the payment and made a new one. They also sent a letter to XXXX XXXX saying it was not my fault. XXXX XXXX then sent a second notification when XXXX XXXX tried to assess me late charges. XXXX XXXX took off some of the charges but left on some charges and reported a late payment to the Credit Bureaus. As of XX/XX/XXXX, my credit report shows a late payment.
In addition in XXXX,, on XX/XX/XXXX, XXXX XXXX said they had not received my payment for XXXX, although XXXX XXXX said it had gone out on XXXX XXXX not taking any further chances, I borrowed money and made another mortgage payment by phone. On XXXX, they acknowledged receiving the first payment as well as the second phone payment.
I think there is something wrong with their whole payment system and they are using it to get late fees. I am FAIRLY SOPHISTICATED about finances but this is intolerable. I had no choice when XXXX XXXX sold my mortgage but I think they bear some responsibility for selling my mortgage to a XXXX outfit, as well. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | MD | 20852 | Older American | Consent provided | Web | 2019-03-11 | Closed with explanation | Yes | null | 3,169,808 |
2019-08-01 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | I XXXX XXXX just recently checked my XXXX credit report and discovered a new collection that I have no knowledge of whatsoever.From a company named XXXX with a parent company of Focus Receivables Management. No account number is listed. Neither of which I have ever had an account with or done business with. So then why are they trying to collect an alleged debt from me? Also I was NEVER sent any communication at all from this company about this debt, my right to dispute it within 30 days.Nor any sort of validation on the account. And if so I am requesting to be shown these documents with dates and to what address they were sent because I believe that they weren't. Clear violations of FDCRA.I am submitting: 1. a screenshot of the entry on my XXXX credit report. 2. copy of cease and desist letter sent to them back on XX/XX/2019. They were going by the name XXXX XXXX XXXX then. Same account number and same alleged original XXXX XXXX. | Company believes it acted appropriately as authorized by contract or law | Focus Holding Company | TX | XXXXX | null | Consent provided | Web | 2019-08-01 | Closed with explanation | Yes | null | 3,325,809 |
2023-07-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family. | null | EQUIFAX, INC. | IL | 60453 | null | Consent provided | Web | 2023-07-27 | Closed with non-monetary relief | Yes | null | 7,312,621 |
2023-03-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681.
XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy.
2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions.
3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate.
These items must be DELETED immediately and a rapid re-score is requested. | null | EQUIFAX, INC. | CA | 93706 | null | Consent provided | Web | 2023-03-12 | Closed with explanation | Yes | null | 6,683,141 |
2016-08-22 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | This debt was originated at XXXX Hospital in XXXX Ohio. My father whom shares the same name, visited and provided his insurance information. XXXX Hospital was unable to collect from my fathers health insurance and proceeded to collect thru credit solutions, LLC. This company reported the collection on my credit report and refuses to fix the problem. This company should be responsible for for all the damages generated by stealing my identity. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Credit Solutions, LLC (KY) | OH | 45601 | null | Consent provided | Web | 2016-08-22 | Closed with explanation | Yes | No | 2,075,450 |
2019-06-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. I'm not sure if it was a close friend or family member, or one of the previous addresses that was listed on my credit report that I still received mail at. My personal information was breached on several occasions. XXXX in XX/XX/XXXX, SC tax payers breach in XX/XX/XXXX as well as the sherwood information leak. There are several accounts that were opened in my name that I had no idea of nor did I benefit from, as well as several other attempts to open accounts that resulted in hard inquiries. I sent in a letter to Transunion explaining this and they said they'd open a dispute and get back to me within 30 days. 30 days went by, I called each 3 days in a row after the allotted time, each time I spoke with a representative from XXXX, XXXX, and somewhere else I can't recall but all were located outside of the USA and said they were unable to locate what I sent it. How could they in the address I sent the disputes to was to Pennsylvania. I now am filling complaint, resubmitting my disputes and attaching my documents hoping to get a resolutions. PLEASE SEE ATTACHED. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29445 | null | Consent provided | Web | 2019-06-01 | Closed with explanation | Yes | null | 3,261,053 |
2021-02-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There are four accounts on my credit that DO NOT BELONG TO ME. I did not open these used them or even know how they appear in my credit.
XXXX XXXX XXXX - Acct # XXXX XXXX {$27000.00} Opened XX/XX/XXXX US BANK - Acct # XXXX Amt {$5000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$460.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$560.00} Opened XX/XX/XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 91202 | null | Consent provided | Web | 2021-02-19 | Closed with non-monetary relief | Yes | null | 4,152,164 |
2022-03-07 | Checking or savings account | Checking account | Managing an account | Problem making or receiving payments | There are several problems with this bank and they are impossible to communicate with. 1. I am being charged for all incoming/outgoing wires. I was never informed of this before the transfer of my account from XXXX to Citizens. Prior to Citizens there was no fee for wires 2. Supposedly I can not deposit more than 50,000 a month on my mobile device. This is a problem as I can not walk to the bank every time I want to deposit more after that. 3. When I deposit checks at a branch, since the mobile app does not work, I need to be Able to see the deposits online.
I spoke with someone on Saturday about these issues and they were unable to help. They told me someone would call today at XXXX and nobody did.
These problems need to be resolved for me to stay at Citizens bank or else there is no point as the offerings are uncompetitive. | null | CITIZENS FINANCIAL GROUP, INC. | NY | 10013 | null | Consent provided | Web | 2022-03-07 | Closed with explanation | Yes | null | 5,295,205 |