davidheineman/consumer-finance-complaints-large

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2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect			TRANSUNION INTERMEDIATE HOLDINGS, INC.	NJ	075XX			Web	2024-12-16	In progress	Yes	N/A	11165791
2024-12-16	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			Affirm Holdings, Inc	CA	90222			Web	2024-12-16	In progress	Yes	N/A	11165840
2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize			TRANSUNION INTERMEDIATE HOLDINGS, INC.	NC	27617			Web	2024-12-16	In progress	Yes	N/A	11166754
2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly			TRANSUNION INTERMEDIATE HOLDINGS, INC.	IL	61282			Web	2024-12-16	In progress	Yes	N/A	11166759
2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly			EQUIFAX, INC.	LA	70030			Web	2024-12-16	In progress	Yes	N/A	11166802
2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect			EQUIFAX, INC.	PA	17111			Web	2024-12-16	In progress	Yes	N/A	11166806
2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			EQUIFAX, INC.	NJ	07065			Web	2024-12-16	In progress	Yes	N/A	11167261
2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Problem with a company's investigation into an existing problem	Investigation took more than 30 days			EQUIFAX, INC.	GA	30094			Web	2024-12-16	In progress	Yes	N/A	11167279
2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly			TRANSUNION INTERMEDIATE HOLDINGS, INC.	TX	77090			Web	2024-12-16	In progress	Yes	N/A	11166972
2024-12-19	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			TRANSUNION INTERMEDIATE HOLDINGS, INC.	CA	93552			Web	2024-12-19	In progress	Yes	N/A	11217785
2024-12-19	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly			TRANSUNION INTERMEDIATE HOLDINGS, INC.	MD	20747			Web	2024-12-19	In progress	Yes	N/A	11217473
2024-12-23	Checking or savings account	Checking account	Opening an account	Account opened without my consent or knowledge			Skopos Financial, LLC	TX	78703			Web	2024-12-23	In progress	Yes	N/A	11252727
2024-12-19	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly			TRANSUNION INTERMEDIATE HOLDINGS, INC.	MD	21117			Web	2024-12-19	In progress	Yes	N/A	11217629
2024-12-19	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize			TRANSUNION INTERMEDIATE HOLDINGS, INC.	FL	33131			Web	2024-12-19	In progress	Yes	N/A	11212687
2023-07-11	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	XXXX XXXX XXXX XXXX XX/XX/2023 FACTUAL DATA XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 FACTUAL DATA XX/XX/2023	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	IL	604XX		Consent provided	Web	2023-07-11	Closed with explanation	Yes	N/A	7236096
2023-07-11	Mortgage	Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage				PENNYMAC LOAN SERVICES, LLC.	TX	78108		Consent not provided	Web	2023-07-11	Closed with explanation	Yes	N/A	7235932
2023-07-07	Debt collection	Other debt	Attempts to collect debt not owed	Debt was result of identity theft	I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.		Spring Oaks Capital, LLC	FL	33033		Consent provided	Web	2023-07-07	Closed with explanation	Yes	N/A	7218970
2023-05-14	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize		Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	NV	89129		Consent not provided	Web	2023-05-14	Closed with explanation	Yes	N/A	6973148
2024-12-19	Debt collection	Medical debt	Communication tactics	Used obscene, profane, or other abusive language			Harris & Harris, Ltd.	GA	30542		N/A	Phone	2024-12-19	Closed with explanation	Yes	N/A	11217511
2024-12-20	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly			Experian Information Solutions Inc.	GA	31204			Web	2024-12-20	In progress	Yes	N/A	11224811
2024-12-20	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			Experian Information Solutions Inc.	NY	11553			Web	2024-12-20	In progress	Yes	N/A	11233220
2023-12-19	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			EQUIFAX, INC.	FL	33314		Consent not provided	Web	2023-12-19	Closed with non-monetary relief	Yes	N/A	8026599
2023-05-08	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	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. ( IVE SENT OUT LETTERS TO ALL 3 CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! Thank you, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.		EQUIFAX, INC.	FL	33056	Servicemember	Consent provided	Web	2023-05-08	Closed with explanation	Yes	N/A	6943708
2024-12-23	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			Experian Information Solutions Inc.	TX	77016			Web	2024-12-23	In progress	Yes	N/A	11245456
2024-12-23	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect			Experian Information Solutions Inc.	NJ	07305			Web	2024-12-23	In progress	Yes	N/A	11249061
2024-12-19	Student loan	Federal student loan servicing	Dealing with your lender or servicer	Keep getting calls about your loan			Nelnet, Inc.	CO	80132			Web	2024-12-19	Closed with explanation	Yes	N/A	11224486
2024-12-19	Mortgage	Reverse mortgage	Trouble during payment process	Trying to communicate with the company to fix an issue while managing or servicing your loan			Onity Group Inc.	CA	91910	Older American, Servicemember	Other	Web	2024-12-19	Closed with explanation	Yes	N/A	11224023
2023-10-21	Credit 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	On XXXX XXXX, my credit card information was used to purchase multiple flight tickets from many airlines without my permissions and the bank did not notify me of a possible fraud. I called Capital One and disputed the charges which added up to almost {$5000.00}. The bank identified that there was a fraud on the account and unusual activities. For some reason, the bank still holds me liable for a portion of those fraudulent transitions ( nearly a {$1000.00} ) and now asking me to make minimum payments with almost 27 % interest rate without a care about a breach in their security system that led to those fraudulent transactions to rack up no my account. I am looking for an immediate resolution and do not want to be held liable for something that I did not purchase. This account is paid off and there should be {$0.00} balance on it.		CAPITAL ONE FINANCIAL CORPORATION	MA	XXXXX		Consent provided	Web	2023-10-21	Closed with explanation	Yes	N/A	7737526
2023-10-21	Debt collection	Credit card debt	Took or threatened to take negative or legal action	Threatened or suggested your credit would be damaged	I attempted to access my account multiple time this week. However, I was not able to do so, as the system displayed an error message. In addition, I placed numerous phone calls this week to obtain the following objectives : 1. ) Letter Receipt Verification of Check Received- Verify whether the company received my letter and enclosed check for the balance on my account ( e.g., {$760.00} ). a. Not only were the call reps not able to verify that they received my letter ( they indicated that they did not have record of my letter and check as ever being received ), but, in addition, they refused to address my additional questions regarding my request to remove this debt from my credit reports. 2. ) Letter Receipt Verification of Request to Waive Balance 3. ) Request to Remove this debt from my credit reports The company refused to make my account available. In addition, they refused to discuss this account with me and my requests. Their action resulted in a continued detriment to my credit rating ; and an inability to receive enhanced credit terms and refinance various efforts. Their actions to delay removal of this debt continue to wreak financial cost on me and my family. Per XXXX and other credit resources, my credit scores are hindered by at least XXXX points.		PORTFOLIO RECOVERY ASSOCIATES INC	MD	20850		Consent provided	Web	2023-10-21	Closed with explanation	Yes	N/A	7737601
2024-12-23	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize			Experian Information Solutions Inc.	CA	94602			Web	2024-12-23	In progress	Yes	N/A	11245066
2024-12-23	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			Experian Information Solutions Inc.	IL	60504	Older American		Web	2024-12-23	In progress	Yes	N/A	11245699
2024-12-23	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			Experian Information Solutions Inc.	MD	21220			Web	2024-12-23	In progress	Yes	N/A	11245165
2024-12-23	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize			Experian Information Solutions Inc.	VA	23185			Web	2024-12-23	In progress	Yes	N/A	11245166
2024-12-21	Checking or savings account	Checking account	Problem caused by your funds being low	Overdrafts and overdraft fees		Company has responded to the consumer and the CFPB and chooses not to provide a public response	WELLS FARGO & COMPANY	FL	34747		Consent not provided	Web	2024-12-21	Closed with explanation	Yes	N/A	11231722
2023-11-01	Checking or savings account	Checking account	Managing an account	Deposits and withdrawals	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Regions bank account in question XXXX XXXX I was notified by my bank that a fraud was done under my bank account Regions bank. I was told that checks were cashed by me.I told them is impossible because those were not my signature nor I had knowledge of the person writing those checks. I explained that previous week my purse was stolen from a XXXX supermarket a police report was produce. I called Regions and told them about the incident to close debit cards and warned them about the incident of my stolen wallet. They told my accounts were frozen until investigation is done but I asked question that I need to see video cameras and proof of what they are accusing me of that I cashed those checks. They denied me information or further. I provided them police reports. All I get is no other information is available to me. I told them how come what teller authorized those checks and form of ID the robber provided to them. I need help REGIONS is been rude to me and treating me as a delinquent and ignoring me. I am attaching all documents concerning this matter. Please I need your assistance on this matter. I need access to my money to pay my rent and bills. Regions must give am explanation to my case and why they had treat me rude and ignoring me.All my oficial documents were stolen my ID my US passport and bank checks were inside my purse that was stolen.Only sin is this delinquents stole my purse now they went and created this caos on my bank account. My lord help me	Company has responded to the consumer and the CFPB and chooses not to provide a public response	REGIONS FINANCIAL CORPORATION	FL	33130		Consent provided	Web	2023-11-02	Closed with monetary relief	Yes	N/A	7785440
2023-10-18	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		Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	TX	77067		Consent not provided	Web	2023-10-18	Closed with non-monetary relief	Yes	N/A	7709280
2024-12-19	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			TRANSUNION INTERMEDIATE HOLDINGS, INC.	MT	59901			Web	2024-12-19	In progress	Yes	N/A	11217566
2024-12-19	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			TRANSUNION INTERMEDIATE HOLDINGS, INC.	GA	31404			Web	2024-12-19	In progress	Yes	N/A	11217847
2024-12-19	Debt collection	Other debt	Attempts to collect debt not owed	Debt was result of identity theft			TRANSUNION INTERMEDIATE HOLDINGS, INC.	CA	93292			Web	2024-12-19	In progress	Yes	N/A	11217855
2024-12-18	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			Experian Information Solutions Inc.	FL	32837			Web	2024-12-18	In progress	Yes	N/A	11205309
2022-09-16	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	NJ	07201		Consent provided	Web	2022-09-16	Closed with explanation	Yes	N/A	5990715
2023-11-09	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information is missing that should be on the report	My name is XXXX XXXX. I retired from the military at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. Also, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score. I pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. I really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! Sincerely, XXXX XXXX	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	CO	81504	Servicemember	Consent provided	Web	2023-11-09	Closed with explanation	Yes	N/A	7831033
2023-04-07	Checking or savings account	Checking account	Managing an account	Deposits and withdrawals	I am reaching out to get assistance with receiving the money in my daughters CashApp account. We created a cash app account for her, and deposited {$30.00}, with myself as the parent account granting me access to her account, and transaction history. Shortly after, she broke her phone, causing us to lose access to the phone number on said account. When reaching out to cash app for assistance, I was instructed to create a new account for her and request a money transfer from her old account to her new one. After creating a new account for her, I was then informed we would not be granted a transfer of the funds due to " undisclosed security issues ' ''. I have confirmed my information, as well as hers multiple times, and am not being informed as to what the " security '' issue is. I feel as if my daughter is being scammed, or taken advantage of. I have reached out multiple time, spoken with representatives, and supervisors only to be refused the money that is rightfully hers. I am filing a complaint here before seeking assistance in small claims court because no matter the amount, it is my daughters money.		Block, Inc.	TN	37206		Consent provided	Web	2023-04-07	Closed with explanation	Yes	N/A	6810586
2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly			EQUIFAX, INC.	TX	77469			Web	2024-12-16	In progress	Yes	N/A	11167712
2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			AMERICAN EXPRESS COMPANY	TX	75181			Web	2024-12-16	In progress	Yes	N/A	11166845
2024-10-03	Vehicle loan or lease	Loan	Managing the loan or lease	Problem with fees charged	I bought my XXXX XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX va on XX/XX/XXXX. They pressured me into paying XXXX In extras like gaap and supamental Insurance. They said I could refinance when rates went down. I've been calling. No one will return my call. It had made it where I can't get a mortage, business loan anything. I've been trying to refinance.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	HYUNDAI CAPITAL AMERICA	VA	229XX		Consent provided	Web	2024-10-03	Closed with explanation	Yes	N/A	10329726
2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect			TRANSUNION INTERMEDIATE HOLDINGS, INC.	MO	63033			Web	2024-12-16	In progress	Yes	N/A	11167242
2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Problem with a company's investigation into an existing problem	Investigation took more than 30 days			EQUIFAX, INC.	AL	35215			Web	2024-12-16	In progress	Yes	N/A	11167252
2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Problem with a company's investigation into an existing problem	Investigation took more than 30 days			EQUIFAX, INC.	CA	95605			Web	2024-12-16	In progress	Yes	N/A	11167634
2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Personal information incorrect			EQUIFAX, INC.	FL	33032			Web	2024-12-16	In progress	Yes	N/A	11167112
2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			TRANSUNION INTERMEDIATE HOLDINGS, INC.	CA	91401	Servicemember		Web	2024-12-16	In progress	Yes	N/A	11167179
2023-11-01	Checking or savings account	Savings account	Managing an account	Banking errors	About a month ago, I reached out to Capital One regarding my 360 Savings Account, which despite having a variable interest rate, has been earning a steady and paltry .3 % interest for nearly 3 years. I have been an account holder for 15 years and during that time, up until 2 years ago, my savings APR had fluctuated with the market, as expected. After years of declining interest rates, I expected the APR on my savings account to finally rise as interest rates in the US began increasing, but it never did. I have copies of bank statements which shows that Capital One paid the following APRs on deposits : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX -.3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 APR As you can see, Capitol One regularly adjusted the interest rates on my 360 account until XX/XX/XXXX. Capital One then froze my so-called variable interest rate not coincidently when my APR hit rock bottom. I am happy to share copies of my bank statements in a secure portal that will protect my PII. I was shocked to learn that while Capital One was reneging on its obligation to increase the variable interest rate on my 360 account, it had created a NEW savings product called 360 Performance Savings and only offered market interest rates to NEW customers. At the same time, Capital One failed to notify existing customers that they would no longer be adjusting the variable interest rate on our 360 savings accounts nor did they notify us about this new product that we could and should move our money to in order to receive the higher interest that we are owed. Capital One committed fraud by failing to meet their obligations to existing customers by freezing our variable interest rates at the lowest level possible and theft by holding on to our savings while failing to pay us appropriate interest. I'm sure they thought it was a clever strategy to create a new product and only pay a higher APR to new customers, which would be a small fraction of existing customers. This move undoubtedly saved them millions and millions in interest owed on existing savings accounts, but it was not just clever. It was fraudulent and theft. I filed a complaint with CFPB about this issue ( XXXX ) and Capital One responded without remotely addressing the substance of my complaint. As I stated in my feedback, Capital One is free to create as many new products as it likes but that does not remove its obligation to service existing clients per the terms of their agreement. It is unfair, deceptive and abusive to promise customers one thing and fail to deliver. The fact that they created a new product, 360 Performance Savings, at the same time that they stopped adjusting the interest rate for existing customers is proof that they knew the appropriate amount of interest owed to the original 360 savings accountholders.		CAPITAL ONE FINANCIAL CORPORATION	MD	21146		Consent provided	Web	2023-11-01	Closed with explanation	Yes	N/A	7786886
2023-11-01	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize			EQUIFAX, INC.	NY	10468		Consent not provided	Web	2023-11-01	Closed with non-monetary relief	Yes	N/A	7786755
2023-01-27	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly		Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	NY	11003		Consent not provided	Web	2023-01-27	Closed with non-monetary relief	Yes	N/A	6494778
2024-12-19	Credit reporting or other personal consumer reports	Credit reporting	Problem with a company's investigation into an existing problem	Investigation took more than 30 days			Experian Information Solutions Inc.	MI	48207			Web	2024-12-19	In progress	Yes	N/A	11212527
2024-12-16	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			TRANSUNION INTERMEDIATE HOLDINGS, INC.	TX	75181			Web	2024-12-16	In progress	Yes	N/A	11167555
2024-12-17	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			TRANSUNION INTERMEDIATE HOLDINGS, INC.	FL	33032			Web	2024-12-17	In progress	Yes	N/A	11182914
2024-12-13	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			Experian Information Solutions Inc.	CA	90008			Web	2024-12-13	In progress	Yes	N/A	11145954
2024-12-17	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect			TRANSUNION INTERMEDIATE HOLDINGS, INC.	FL	32209			Web	2024-12-17	In progress	Yes	N/A	11194280
2024-12-13	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly			Experian Information Solutions Inc.	TX	77373			Web	2024-12-13	In progress	Yes	N/A	11144877
2024-12-14	Money transfer, virtual currency, or money service	Virtual currency	Money was not available when promised				BAM Management US Holdings Inc.	CA	91604			Web	2024-12-14	In progress	Yes	N/A	11141678
2024-12-13	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize			Experian Information Solutions Inc.	TX	75181			Web	2024-12-13	In progress	Yes	N/A	11145897
2024-12-13	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			Experian Information Solutions Inc.	TX	77025			Web	2024-12-13	In progress	Yes	N/A	11145208
2023-01-11	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.		EQUIFAX, INC.	LA	70065		Consent provided	Web	2023-01-11	Closed with explanation	Yes	N/A	6427499
2023-03-29	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Problem with a credit reporting company's investigation into an existing problem	Their investigation did not fix an error on your report	I reached out to the credit bureaus on XX/XX/XXXX, XXXX XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX to make them aware of the inaccurate information being reported. I received dispute summaries saying the information was validated. I responded and asked their validation process no one wrote back. I sent them the receipts from the Tera program paid XXXX XXXX on XX/XX/XXXX before they went completely out of business.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	MS	39503		Consent provided	Web	2023-03-29	Closed with explanation	Yes	N/A	6758597
2024-12-17	Credit card	Store credit card	Other features, terms, or problems	Other problem			Bread Financial Holdings, Inc.	NY	109XX			Web	2024-12-18	Closed with non-monetary relief	Yes	N/A	11199681
2023-02-05	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else		Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	PA	19023		Consent not provided	Web	2023-02-05	Closed with non-monetary relief	Yes	N/A	6523530
2023-01-26	Money transfer, virtual currency, or money service	Mobile or digital wallet	Fraud or scam		order from XXXX used paypal XXXX said they would issue refund but didnt reached out to paypal who i used to store and send the money to XXXX only for them to close my dispute saying i never sent supporting info the email address i used to sign was XXXX this is just crazy Info provided by the seller XXXX XX/XX/2022 at XXXX XXXX Tracking info provided by XXXX XXXX Shipped by Other Case ID : XXXX Disputed amount : {$530.00} USD Seller info : XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date reported : XXXX XX/XX/2022 XXXX ID : XXXX		Paypal Holdings, Inc	FL	XXXXX		Consent provided	Web	2023-01-26	Closed with explanation	Yes	N/A	6487766
2024-12-12	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			Experian Information Solutions Inc.	FL	33441			Web	2024-12-12	In progress	Yes	N/A	11135522
2024-12-13	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			Experian Information Solutions Inc.	CA	95812			Web	2024-12-13	In progress	Yes	N/A	11151661
2024-12-12	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect			Maximus Federal Services, Inc.	IL	60543			Web	2024-12-12	Closed with explanation	Yes	N/A	11133412
2024-12-13	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize			Experian Information Solutions Inc.	PA	19020			Web	2024-12-13	In progress	Yes	N/A	11151809
2023-10-18	Payday loan, title loan, personal loan, or advance loan	Personal line of credit	Struggling to pay your loan		I was diagnosed with a XXXX XXXX and out of work for 3 months. I ran out of XXXX XXXX and did not have XXXX XXXX XXXX. I did not get a check for 3 months. I could not make any payments at all on anything. When I startted back working, I contacted them to see if they would allow me to make payments. I made two payments in XXXX. In XXXX I forgot to call them to report that my checking account information changed. My payments did not go through. I called today, XX/XX/XXXX and ask if I could make a payment on the balance of {$180.00} and they said No, and that they have given me a chance. I explained that because of my XXXX XXXX I have XXXX XXXX and forgot to call them to make the changes. They also have two accounts for different amounts charged on on my credit report. I only have one account with them. They are reporting incorrect information on my credit report.	Company believes it acted appropriately as authorized by contract or law	MoneyLion Inc.	SC	29607		Consent provided	Web	2023-10-18	Closed with explanation	Yes	N/A	7709570
2023-01-28	Checking or savings account	Checking account	Managing an account	Deposits and withdrawals	On the night of XX/XX/2023 customer XXXX XXXX attempted to make a cash withdraw at the XXXX XXXX XXXX ATM close to his home. Customer inserted his card, entered the appropriate PIN, and followed the ATM prompts in an attempt to withdraw {$500.00} dollars for an upcoming trip to visit his parents. During this first transaction XXXX XXXX receives a text from his First Citizens XXXX institution stating " Free First Citizens Security Alert : Declined Transaction for card XXXX used at XXXX XXXX XXXX XXXX - XXXX for {$500.00}. Was this you? Reply YES or NO. Reply STOP to XXXX XXXX. '' to which XXXX XXXX responded " Yes ''. XXXX XXXX then received a follow-up message from XXXX XXXX XXXX XXXX No further action is needed. ". XXXX XXXX then circled around the ATM and came back attempting to make a XXXX withdraw. To which was " declined ''. XXXX XXXX then called to attempt to resolve the issue with First Citizens only to be given an automated recording stating the bank is closed and to call back " during normal business hours ''. XXXX XXXX then attempted to use a XXXX debit card linked to his business account which was also " declined ''. XXXX XXXX attempted to change the amount to $ XXXX {$200.00} both of which were also " declined ''. XXXX XXXX has ample funds in all accounts to far exceed the $ XXXX $ XXXX {$200.00} dollars in which he was attempting to withdraw. Due to this banking business practice ALL of XXXX XXXX 's debit cards tied to this financial institution had been frozen and he was unable to make/use any cards to access his fund. Not only was XXXX XXXX unable to access the {$500.00} he needed/desired but he was also unable to proceed with his trip to his parents due to his accounts being locked and no method in which the customer was able to resolve the issue. This is unacceptable for any banking institution to block a customers access to their own funds. XXXX XXXX has filed a formal complaint with First Citizens bank and will be consulting an attorney to seek legal advice. XXXX XXXX want 's to be very clear that the funds in his account belong to HIM and not the financial institution that he entrust to hold his funds. XXXX XXXX was informed that the ATM withdraw limit was {$500.00} dollars and that the {$3.00} ATM fee ( which is not included in the cash withdrawn ) would put him over the {$500.00} dollar limit allowed. This banking " service fee '' is debited from the customers account and not part of the {$500.00}. SO again, if the cash withdraw limit is {$500.00} dollars then consumers should be allowed to actually withdraw the {$500.00}.		FIRST CITIZENS BANCSHARES, INC.	GA	30324		Consent provided	Web	2023-02-09	Closed with explanation	Yes	N/A	6500160
2024-12-13	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect			Experian Information Solutions Inc.	TX	78723			Web	2024-12-13	In progress	Yes	N/A	11151817
2024-12-13	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect			Experian Information Solutions Inc.	NJ	07103			Web	2024-12-13	In progress	Yes	N/A	11151825
2024-12-13	Credit card	General-purpose credit card or charge card	Problem with a company's investigation into an existing problem	Was not notified of investigation status or results			Experian Information Solutions Inc.	MS	388XX			Web	2024-12-13	In progress	Yes	N/A	11151647
2024-12-12	Credit reporting or other personal consumer reports	Credit reporting	Unable to get your credit report or credit score	Other problem getting your report or credit score			National Consumer Telecom & Utilities Exchange, Inc.	GA	30053			Web	2024-12-12	Closed with explanation	Yes	N/A	11137328
2024-12-12	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			Experian Information Solutions Inc.	SC	29203			Web	2024-12-12	In progress	Yes	N/A	11138436
2024-12-13	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly			Experian Information Solutions Inc.	CT	06906	Servicemember		Web	2024-12-13	In progress	Yes	N/A	11151903
2024-12-13	Credit reporting or other personal consumer reports	Credit reporting	Problem with a company's investigation into an existing problem	Investigation took more than 30 days			Experian Information Solutions Inc.	NV	89141			Web	2024-12-13	In progress	Yes	N/A	11149460
2024-10-11	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly		Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	FL	34221		Consent not provided	Web	2024-10-11	Closed with explanation	Yes	N/A	10417998
2024-10-11	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect		Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	CA	92376		Consent not provided	Web	2024-10-11	Closed with explanation	Yes	N/A	10418139
2023-10-31	Credit reporting or other personal consumer reports	Other personal consumer report	Incorrect information on your report	Information belongs to someone else		Company has responded to the consumer and the CFPB and chooses not to provide a public response	FC HoldCo LLC	OH	441XX		Other	Web	2023-10-31	Closed with explanation	Yes	N/A	7774086
2023-10-31	Checking or savings account	Checking account	Managing an account	Funds not handled or disbursed as instructed		Company has responded to the consumer and the CFPB and chooses not to provide a public response	BANK OF AMERICA, NATIONAL ASSOCIATION	OH	43065		Consent not provided	Web	2023-10-31	Closed with explanation	No	N/A	7777750
2023-04-05	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Problem with a credit reporting company's investigation into an existing problem	Their investigation did not fix an error on your report		Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	VA	22033		Consent not provided	Web	2023-04-05	Closed with explanation	Yes	N/A	6800795
2024-12-12	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize			Experian Information Solutions Inc.	IN	46202			Web	2024-12-12	In progress	Yes	N/A	11127272
2022-12-06	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		Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	NC	27504	Servicemember	Consent not provided	Web	2022-12-06	Closed with non-monetary relief	Yes	N/A	6288761
2022-12-27	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	When viewing my credit report I saw information on my consumer report that I have no knowledge of so I filed a police report for the following unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a police report because my information was compromised after seeing my credit report I reached out to both parties and would like said alleged accounts and I would also like for all fcra guidelines to be followed sections 15 U.S. CODE 1681 B SECTIONS 609, SECTIONS 611, SECTIONS 604, AND SECTIONS 623.		EQUIFAX, INC.	GA	30013		Consent provided	Web	2022-12-27	Closed with explanation	Yes	N/A	6368397
2022-12-06	Mortgage	FHA mortgage	Struggling to pay mortgage		I fell behind due to XXXX. I was on the COVID forbearance and when it was over my lender refused to offer me the XXXX partial claim. They gave me a modification with a trial period of XXXX, XXXX and XXXX. My interest rate when I took the forbearance. I believe the XXXX partial claim would have allowed me to keep my rate. Wells Fargo refused and the modified payment raised my payment from {$2300.00} to {$3000.00}. Wells Fargo stated that my interest rate went up, however again I requested the partial claim and Wells Fargo decided to increase my payment putting me in another hardship. I spoke to Wells Fargo on XX/XX/2022 and I was told there is too many modifications. I question this because XXXX has a XXXX month period between modifications. They refused to send me prior modifications. Now, Wells Fargo sent me a letter stating they are refusing to even review me. Isn't that a decision for XXXX to decide? I believe Wells Fargo is obstructing me from getting available assistance. I also believe Wells Fargo gave me a modification with an increased payment to " set me up to fail ''. I would like to know why Wells Fargo is not allowing their homeowners to access assistance. Also, I do not believe Wells Fargo is following the CARES act in regard to keeping me informed of assistance. I believe Wells Fargo is pushing me into default.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	WELLS FARGO & COMPANY	FL	33458		Consent provided	Web	2022-12-06	Closed with explanation	Yes	N/A	6288533
2022-12-06	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly		Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	NY	11717		Consent not provided	Web	2022-12-06	Closed with non-monetary relief	Yes	N/A	6288380
2022-12-06	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Problem with a credit reporting company's investigation into an existing problem	Their investigation did not fix an error on your report		Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	CA	91606		Consent not provided	Web	2022-12-06	Closed with explanation	Yes	N/A	6288706
2022-06-08	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	FRAUDULENT INQUIRIES ARE LISTED ON THE ATTACHMENTS		EQUIFAX, INC.	FL	34120		Consent provided	Web	2022-06-08	Closed with explanation	Yes	N/A	5647925
2022-06-09	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Improper use of your report	Reporting company used your report improperly		Company has responded to the consumer and the CFPB and chooses not to provide a public response	Experian Information Solutions Inc.	GA	30038		Consent not provided	Web	2022-06-09	Closed with explanation	Yes	N/A	5648421
2023-10-17	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect			Georgia Student Finance Authority	VA	23462		Consent not provided	Web	2023-10-18	Closed with explanation	Yes	N/A	7709949
2023-10-17	Credit reporting 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	TX	79912		Consent provided	Web	2023-10-17	Closed with non-monetary relief	Yes	N/A	7709639
2023-10-30	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize			EQUIFAX, INC.	FL	33168		Consent not provided	Web	2023-10-30	Closed with non-monetary relief	Yes	N/A	7774398
2023-11-10	Credit reporting or other personal consumer reports	Credit reporting	Improper use of your report	Credit inquiries on your report that you don't recognize	I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	NY	11222		Consent provided	Web	2023-11-10	Closed with non-monetary relief	Yes	N/A	7828911
2023-11-10	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			EQUIFAX, INC.	LA	70791		Consent not provided	Web	2023-11-10	Closed with non-monetary relief	Yes	N/A	7828905
2024-12-19	Credit reporting or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else			TRANSUNION INTERMEDIATE HOLDINGS, INC.	GA	31404			Web	2024-12-19	In progress	Yes	N/A	11214123

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

075XX

Web

2024-12-16

In progress

Yes

N/A

11165791

2024-12-16

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

Affirm Holdings, Inc

CA

90222

Web

2024-12-16

In progress

Yes

N/A

11165840

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

27617

Web

2024-12-16

In progress

Yes

N/A

11166754

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

61282

Web

2024-12-16

In progress

Yes

N/A

11166759

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

EQUIFAX, INC.

LA

70030

Web

2024-12-16

In progress

Yes

N/A

11166802

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

EQUIFAX, INC.

PA

17111

Web

2024-12-16

In progress

Yes

N/A

11166806

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

EQUIFAX, INC.

NJ

07065

Web

2024-12-16

In progress

Yes

N/A

11167261

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Investigation took more than 30 days

EQUIFAX, INC.

GA

30094

Web

2024-12-16

In progress

Yes

N/A

11167279

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77090

Web

2024-12-16

In progress

Yes

N/A

11166972

2024-12-19

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

93552

Web

2024-12-19

In progress

Yes

N/A

11217785

2024-12-19

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

20747

Web

2024-12-19

In progress

Yes

N/A

11217473

2024-12-23

Checking or savings account

Checking account

Opening an account

Account opened without my consent or knowledge

Skopos Financial, LLC

TX

78703

Web

2024-12-23

In progress

Yes

N/A

11252727

2024-12-19

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

21117

Web

2024-12-19

In progress

Yes

N/A

11217629

2024-12-19

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33131

Web

2024-12-19

In progress

Yes

N/A

11212687

2023-07-11

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

XXXX XXXX XXXX XXXX XX/XX/2023 FACTUAL DATA XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 FACTUAL DATA XX/XX/2023

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

IL

604XX

Consent provided

Web

2023-07-11

Closed with explanation

Yes

N/A

7236096

2023-07-11

Mortgage

Home equity loan or line of credit (HELOC)

Applying for a mortgage or refinancing an existing mortgage

PENNYMAC LOAN SERVICES, LLC.

TX

78108

Consent not provided

Web

2023-07-11

Closed with explanation

Yes

N/A

7235932

2023-07-07

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Spring Oaks Capital, LLC

FL

33033

Consent provided

Web

2023-07-07

Closed with explanation

Yes

N/A

7218970

2023-05-14

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NV

89129

Consent not provided

Web

2023-05-14

Closed with explanation

Yes

N/A

6973148

2024-12-19

Debt collection

Medical debt

Communication tactics

Used obscene, profane, or other abusive language

Harris & Harris, Ltd.

GA

30542

N/A

Phone

2024-12-19

Closed with explanation

Yes

N/A

11217511

2024-12-20

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

Experian Information Solutions Inc.

GA

31204

Web

2024-12-20

In progress

Yes

N/A

11224811

2024-12-20

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Experian Information Solutions Inc.

NY

11553

Web

2024-12-20

In progress

Yes

N/A

11233220

2023-12-19

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

EQUIFAX, INC.

FL

33314

Consent not provided

Web

2023-12-19

Closed with non-monetary relief

Yes

N/A

8026599

2023-05-08

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

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. ( IVE SENT OUT LETTERS TO ALL 3 CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! Thank you, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

EQUIFAX, INC.

FL

33056

Servicemember

Consent provided

Web

2023-05-08

Closed with explanation

Yes

N/A

6943708

2024-12-23

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Experian Information Solutions Inc.

TX

77016

Web

2024-12-23

In progress

Yes

N/A

11245456

2024-12-23

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Experian Information Solutions Inc.

NJ

07305

Web

2024-12-23

In progress

Yes

N/A

11249061

2024-12-19

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Keep getting calls about your loan

Nelnet, Inc.

CO

80132

Web

2024-12-19

Closed with explanation

Yes

N/A

11224486

2024-12-19

Mortgage

Reverse mortgage

Trouble during payment process

Trying to communicate with the company to fix an issue while managing or servicing your loan

Onity Group Inc.

CA

91910

Older American, Servicemember

Other

Web

2024-12-19

Closed with explanation

Yes

N/A

11224023

2023-10-21

Credit 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

On XXXX XXXX, my credit card information was used to purchase multiple flight tickets from many airlines without my permissions and the bank did not notify me of a possible fraud. I called Capital One and disputed the charges which added up to almost {$5000.00}. The bank identified that there was a fraud on the account and unusual activities. For some reason, the bank still holds me liable for a portion of those fraudulent transitions ( nearly a {$1000.00} ) and now asking me to make minimum payments with almost 27 % interest rate without a care about a breach in their security system that led to those fraudulent transactions to rack up no my account. I am looking for an immediate resolution and do not want to be held liable for something that I did not purchase. This account is paid off and there should be {$0.00} balance on it.

CAPITAL ONE FINANCIAL CORPORATION

MA

XXXXX

Consent provided

Web

2023-10-21

Closed with explanation

Yes

N/A

7737526

2023-10-21

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

I attempted to access my account multiple time this week. However, I was not able to do so, as the system displayed an error message. In addition, I placed numerous phone calls this week to obtain the following objectives : 1. ) Letter Receipt Verification of Check Received- Verify whether the company received my letter and enclosed check for the balance on my account ( e.g., {$760.00} ). a. Not only were the call reps not able to verify that they received my letter ( they indicated that they did not have record of my letter and check as ever being received ), but, in addition, they refused to address my additional questions regarding my request to remove this debt from my credit reports. 2. ) Letter Receipt Verification of Request to Waive Balance 3. ) Request to Remove this debt from my credit reports The company refused to make my account available. In addition, they refused to discuss this account with me and my requests. Their action resulted in a continued detriment to my credit rating ; and an inability to receive enhanced credit terms and refinance various efforts. Their actions to delay removal of this debt continue to wreak financial cost on me and my family. Per XXXX and other credit resources, my credit scores are hindered by at least XXXX points.

PORTFOLIO RECOVERY ASSOCIATES INC

MD

20850

Consent provided

Web

2023-10-21

Closed with explanation

Yes

N/A

7737601

2024-12-23

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Experian Information Solutions Inc.

CA

94602

Web

2024-12-23

In progress

Yes

N/A

11245066

2024-12-23

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

Experian Information Solutions Inc.

IL

60504

Older American

Web

2024-12-23

In progress

Yes

N/A

11245699

2024-12-23

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

Experian Information Solutions Inc.

MD

21220

Web

2024-12-23

In progress

Yes

N/A

11245165

2024-12-23

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Experian Information Solutions Inc.

VA

23185

Web

2024-12-23

In progress

Yes

N/A

11245166

2024-12-21

Checking or savings account

Checking account

Problem caused by your funds being low

Overdrafts and overdraft fees

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

FL

34747

Consent not provided

Web

2024-12-21

Closed with explanation

Yes

N/A

11231722

2023-11-01

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Regions bank account in question XXXX XXXX I was notified by my bank that a fraud was done under my bank account Regions bank. I was told that checks were cashed by me.I told them is impossible because those were not my signature nor I had knowledge of the person writing those checks. I explained that previous week my purse was stolen from a XXXX supermarket a police report was produce. I called Regions and told them about the incident to close debit cards and warned them about the incident of my stolen wallet. They told my accounts were frozen until investigation is done but I asked question that I need to see video cameras and proof of what they are accusing me of that I cashed those checks. They denied me information or further. I provided them police reports. All I get is no other information is available to me. I told them how come what teller authorized those checks and form of ID the robber provided to them. I need help REGIONS is been rude to me and treating me as a delinquent and ignoring me. I am attaching all documents concerning this matter. Please I need your assistance on this matter. I need access to my money to pay my rent and bills. Regions must give am explanation to my case and why they had treat me rude and ignoring me.All my oficial documents were stolen my ID my US passport and bank checks were inside my purse that was stolen.Only sin is this delinquents stole my purse now they went and created this caos on my bank account. My lord help me

Company has responded to the consumer and the CFPB and chooses not to provide a public response

REGIONS FINANCIAL CORPORATION

FL

33130

Consent provided

Web

2023-11-02

Closed with monetary relief

Yes

N/A

7785440

2023-10-18

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

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77067

Consent not provided

Web

2023-10-18

Closed with non-monetary relief

Yes

N/A

7709280

2024-12-19

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MT

59901

Web

2024-12-19

In progress

Yes

N/A

11217566

2024-12-19

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

31404

Web

2024-12-19

In progress

Yes

N/A

11217847

2024-12-19

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

93292

Web

2024-12-19

In progress

Yes

N/A

11217855

2024-12-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Experian Information Solutions Inc.

FL

32837

Web

2024-12-18

In progress

Yes

N/A

11205309

2022-09-16

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

07201

Consent provided

Web

2022-09-16

Closed with explanation

Yes

N/A

5990715

2023-11-09

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information is missing that should be on the report

My name is XXXX XXXX. I retired from the military at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. Also, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score. I pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. I really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! Sincerely, XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CO

81504

Servicemember

Consent provided

Web

2023-11-09

Closed with explanation

Yes

N/A

7831033

2023-04-07

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

I am reaching out to get assistance with receiving the money in my daughters CashApp account. We created a cash app account for her, and deposited {$30.00}, with myself as the parent account granting me access to her account, and transaction history. Shortly after, she broke her phone, causing us to lose access to the phone number on said account. When reaching out to cash app for assistance, I was instructed to create a new account for her and request a money transfer from her old account to her new one. After creating a new account for her, I was then informed we would not be granted a transfer of the funds due to " undisclosed security issues ' ''. I have confirmed my information, as well as hers multiple times, and am not being informed as to what the " security '' issue is. I feel as if my daughter is being scammed, or taken advantage of. I have reached out multiple time, spoken with representatives, and supervisors only to be refused the money that is rightfully hers. I am filing a complaint here before seeking assistance in small claims court because no matter the amount, it is my daughters money.

Block, Inc.

TN

37206

Consent provided

Web

2023-04-07

Closed with explanation

Yes

N/A

6810586

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

EQUIFAX, INC.

TX

77469

Web

2024-12-16

In progress

Yes

N/A

11167712

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

AMERICAN EXPRESS COMPANY

TX

75181

Web

2024-12-16

In progress

Yes

N/A

11166845

2024-10-03

Vehicle loan or lease

Loan

Managing the loan or lease

Problem with fees charged

I bought my XXXX XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX va on XX/XX/XXXX. They pressured me into paying XXXX In extras like gaap and supamental Insurance. They said I could refinance when rates went down. I've been calling. No one will return my call. It had made it where I can't get a mortage, business loan anything. I've been trying to refinance.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

HYUNDAI CAPITAL AMERICA

VA

229XX

Consent provided

Web

2024-10-03

Closed with explanation

Yes

N/A

10329726

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

63033

Web

2024-12-16

In progress

Yes

N/A

11167242

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Investigation took more than 30 days

EQUIFAX, INC.

AL

35215

Web

2024-12-16

In progress

Yes

N/A

11167252

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Investigation took more than 30 days

EQUIFAX, INC.

CA

95605

Web

2024-12-16

In progress

Yes

N/A

11167634

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Personal information incorrect

EQUIFAX, INC.

FL

33032

Web

2024-12-16

In progress

Yes

N/A

11167112

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

91401

Servicemember

Web

2024-12-16

In progress

Yes

N/A

11167179

2023-11-01

Checking or savings account

Savings account

Managing an account

Banking errors

About a month ago, I reached out to Capital One regarding my 360 Savings Account, which despite having a variable interest rate, has been earning a steady and paltry .3 % interest for nearly 3 years. I have been an account holder for 15 years and during that time, up until 2 years ago, my savings APR had fluctuated with the market, as expected. After years of declining interest rates, I expected the APR on my savings account to finally rise as interest rates in the US began increasing, but it never did. I have copies of bank statements which shows that Capital One paid the following APRs on deposits : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX -.3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 APR As you can see, Capitol One regularly adjusted the interest rates on my 360 account until XX/XX/XXXX. Capital One then froze my so-called variable interest rate not coincidently when my APR hit rock bottom. I am happy to share copies of my bank statements in a secure portal that will protect my PII. I was shocked to learn that while Capital One was reneging on its obligation to increase the variable interest rate on my 360 account, it had created a NEW savings product called 360 Performance Savings and only offered market interest rates to NEW customers. At the same time, Capital One failed to notify existing customers that they would no longer be adjusting the variable interest rate on our 360 savings accounts nor did they notify us about this new product that we could and should move our money to in order to receive the higher interest that we are owed. Capital One committed fraud by failing to meet their obligations to existing customers by freezing our variable interest rates at the lowest level possible and theft by holding on to our savings while failing to pay us appropriate interest. I'm sure they thought it was a clever strategy to create a new product and only pay a higher APR to new customers, which would be a small fraction of existing customers. This move undoubtedly saved them millions and millions in interest owed on existing savings accounts, but it was not just clever. It was fraudulent and theft. I filed a complaint with CFPB about this issue ( XXXX ) and Capital One responded without remotely addressing the substance of my complaint. As I stated in my feedback, Capital One is free to create as many new products as it likes but that does not remove its obligation to service existing clients per the terms of their agreement. It is unfair, deceptive and abusive to promise customers one thing and fail to deliver. The fact that they created a new product, 360 Performance Savings, at the same time that they stopped adjusting the interest rate for existing customers is proof that they knew the appropriate amount of interest owed to the original 360 savings accountholders.

CAPITAL ONE FINANCIAL CORPORATION

MD

21146

Consent provided

Web

2023-11-01

Closed with explanation

Yes

N/A

7786886

2023-11-01

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

EQUIFAX, INC.

NY

10468

Consent not provided

Web

2023-11-01

Closed with non-monetary relief

Yes

N/A

7786755

2023-01-27

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11003

Consent not provided

Web

2023-01-27

Closed with non-monetary relief

Yes

N/A

6494778

2024-12-19

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Investigation took more than 30 days

Experian Information Solutions Inc.

MI

48207

Web

2024-12-19

In progress

Yes

N/A

11212527

2024-12-16

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75181

Web

2024-12-16

In progress

Yes

N/A

11167555

2024-12-17

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33032

Web

2024-12-17

In progress

Yes

N/A

11182914

2024-12-13

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Experian Information Solutions Inc.

CA

90008

Web

2024-12-13

In progress

Yes

N/A

11145954

2024-12-17

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32209

Web

2024-12-17

In progress

Yes

N/A

11194280

2024-12-13

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

Experian Information Solutions Inc.

TX

77373

Web

2024-12-13

In progress

Yes

N/A

11144877

2024-12-14

Money transfer, virtual currency, or money service

Virtual currency

Money was not available when promised

BAM Management US Holdings Inc.

CA

91604

Web

2024-12-14

In progress

Yes

N/A

11141678

2024-12-13

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Experian Information Solutions Inc.

TX

75181

Web

2024-12-13

In progress

Yes

N/A

11145897

2024-12-13

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Experian Information Solutions Inc.

TX

77025

Web

2024-12-13

In progress

Yes

N/A

11145208

2023-01-11

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

EQUIFAX, INC.

LA

70065

Consent provided

Web

2023-01-11

Closed with explanation

Yes

N/A

6427499

2023-03-29

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I reached out to the credit bureaus on XX/XX/XXXX, XXXX XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX to make them aware of the inaccurate information being reported. I received dispute summaries saying the information was validated. I responded and asked their validation process no one wrote back. I sent them the receipts from the Tera program paid XXXX XXXX on XX/XX/XXXX before they went completely out of business.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

MS

39503

Consent provided

Web

2023-03-29

Closed with explanation

Yes

N/A

6758597

2024-12-17

Credit card

Store credit card

Other features, terms, or problems

Other problem

Bread Financial Holdings, Inc.

NY

109XX

Web

2024-12-18

Closed with non-monetary relief

Yes

N/A

11199681

2023-02-05

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19023

Consent not provided

Web

2023-02-05

Closed with non-monetary relief

Yes

N/A

6523530

2023-01-26

Money transfer, virtual currency, or money service

Mobile or digital wallet

Fraud or scam

order from XXXX used paypal XXXX said they would issue refund but didnt reached out to paypal who i used to store and send the money to XXXX only for them to close my dispute saying i never sent supporting info the email address i used to sign was XXXX this is just crazy Info provided by the seller XXXX XX/XX/2022 at XXXX XXXX Tracking info provided by XXXX XXXX Shipped by Other Case ID : XXXX Disputed amount : {$530.00} USD Seller info : XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date reported : XXXX XX/XX/2022 XXXX ID : XXXX

Paypal Holdings, Inc

FL

XXXXX

Consent provided

Web

2023-01-26

Closed with explanation

Yes

N/A

6487766

2024-12-12

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Experian Information Solutions Inc.

FL

33441

Web

2024-12-12

In progress

Yes

N/A

11135522

2024-12-13

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Experian Information Solutions Inc.

CA

95812

Web

2024-12-13

In progress

Yes

N/A

11151661

2024-12-12

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

Maximus Federal Services, Inc.

IL

60543

Web

2024-12-12

Closed with explanation

Yes

N/A

11133412

2024-12-13

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Experian Information Solutions Inc.

PA

19020

Web

2024-12-13

In progress

Yes

N/A

11151809

2023-10-18

Payday loan, title loan, personal loan, or advance loan

Personal line of credit

Struggling to pay your loan

I was diagnosed with a XXXX XXXX and out of work for 3 months. I ran out of XXXX XXXX and did not have XXXX XXXX XXXX. I did not get a check for 3 months. I could not make any payments at all on anything. When I startted back working, I contacted them to see if they would allow me to make payments. I made two payments in XXXX. In XXXX I forgot to call them to report that my checking account information changed. My payments did not go through. I called today, XX/XX/XXXX and ask if I could make a payment on the balance of {$180.00} and they said No, and that they have given me a chance. I explained that because of my XXXX XXXX I have XXXX XXXX and forgot to call them to make the changes. They also have two accounts for different amounts charged on on my credit report. I only have one account with them. They are reporting incorrect information on my credit report.

Company believes it acted appropriately as authorized by contract or law

MoneyLion Inc.

SC

29607

Consent provided

Web

2023-10-18

Closed with explanation

Yes

N/A

7709570

2023-01-28

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

On the night of XX/XX/2023 customer XXXX XXXX attempted to make a cash withdraw at the XXXX XXXX XXXX ATM close to his home. Customer inserted his card, entered the appropriate PIN, and followed the ATM prompts in an attempt to withdraw {$500.00} dollars for an upcoming trip to visit his parents. During this first transaction XXXX XXXX receives a text from his First Citizens XXXX institution stating " Free First Citizens Security Alert : Declined Transaction for card XXXX used at XXXX XXXX XXXX XXXX - XXXX for {$500.00}. Was this you? Reply YES or NO. Reply STOP to XXXX XXXX. '' to which XXXX XXXX responded " Yes ''. XXXX XXXX then received a follow-up message from XXXX XXXX XXXX XXXX No further action is needed. ". XXXX XXXX then circled around the ATM and came back attempting to make a XXXX withdraw. To which was " declined ''. XXXX XXXX then called to attempt to resolve the issue with First Citizens only to be given an automated recording stating the bank is closed and to call back " during normal business hours ''. XXXX XXXX then attempted to use a XXXX debit card linked to his business account which was also " declined ''. XXXX XXXX attempted to change the amount to $ XXXX {$200.00} both of which were also " declined ''. XXXX XXXX has ample funds in all accounts to far exceed the $ XXXX $ XXXX {$200.00} dollars in which he was attempting to withdraw. Due to this banking business practice ALL of XXXX XXXX 's debit cards tied to this financial institution had been frozen and he was unable to make/use any cards to access his fund. Not only was XXXX XXXX unable to access the {$500.00} he needed/desired but he was also unable to proceed with his trip to his parents due to his accounts being locked and no method in which the customer was able to resolve the issue. This is unacceptable for any banking institution to block a customers access to their own funds. XXXX XXXX has filed a formal complaint with First Citizens bank and will be consulting an attorney to seek legal advice. XXXX XXXX want 's to be very clear that the funds in his account belong to HIM and not the financial institution that he entrust to hold his funds. XXXX XXXX was informed that the ATM withdraw limit was {$500.00} dollars and that the {$3.00} ATM fee ( which is not included in the cash withdrawn ) would put him over the {$500.00} dollar limit allowed. This banking " service fee '' is debited from the customers account and not part of the {$500.00}. SO again, if the cash withdraw limit is {$500.00} dollars then consumers should be allowed to actually withdraw the {$500.00}.

FIRST CITIZENS BANCSHARES, INC.

GA

30324

Consent provided

Web

2023-02-09

Closed with explanation

Yes

N/A

6500160

2024-12-13

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

Experian Information Solutions Inc.

TX

78723

Web

2024-12-13

In progress

Yes

N/A

11151817

2024-12-13

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

Experian Information Solutions Inc.

NJ

07103

Web

2024-12-13

In progress

Yes

N/A

11151825

2024-12-13

Credit card

General-purpose credit card or charge card

Problem with a company's investigation into an existing problem

Was not notified of investigation status or results

Experian Information Solutions Inc.

MS

388XX

Web

2024-12-13

In progress

Yes

N/A

11151647

2024-12-12

Credit reporting or other personal consumer reports

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

National Consumer Telecom & Utilities Exchange, Inc.

GA

30053

Web

2024-12-12

Closed with explanation

Yes

N/A

11137328

2024-12-12

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Experian Information Solutions Inc.

SC

29203

Web

2024-12-12

In progress

Yes

N/A

11138436

2024-12-13

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

Experian Information Solutions Inc.

CT

06906

Servicemember

Web

2024-12-13

In progress

Yes

N/A

11151903

2024-12-13

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Investigation took more than 30 days

Experian Information Solutions Inc.

NV

89141

Web

2024-12-13

In progress

Yes

N/A

11149460

2024-10-11

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

FL

34221

Consent not provided

Web

2024-10-11

Closed with explanation

Yes

N/A

10417998

2024-10-11

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

CA

92376

Consent not provided

Web

2024-10-11

Closed with explanation

Yes

N/A

10418139

2023-10-31

Credit reporting or other personal consumer reports

Other personal consumer report

Incorrect information on your report

Information belongs to someone else

Company has responded to the consumer and the CFPB and chooses not to provide a public response

FC HoldCo LLC

OH

441XX

Other

Web

2023-10-31

Closed with explanation

Yes

N/A

7774086

2023-10-31

Checking or savings account

Checking account

Managing an account

Funds not handled or disbursed as instructed

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

OH

43065

Consent not provided

Web

2023-10-31

Closed with explanation

No

N/A

7777750

2023-04-05

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

VA

22033

Consent not provided

Web

2023-04-05

Closed with explanation

Yes

N/A

6800795

2024-12-12

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Experian Information Solutions Inc.

IN

46202

Web

2024-12-12

In progress

Yes

N/A

11127272

2022-12-06

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

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NC

27504

Servicemember

Consent not provided

Web

2022-12-06

Closed with non-monetary relief

Yes

N/A

6288761

2022-12-27

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

When viewing my credit report I saw information on my consumer report that I have no knowledge of so I filed a police report for the following unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a police report because my information was compromised after seeing my credit report I reached out to both parties and would like said alleged accounts and I would also like for all fcra guidelines to be followed sections 15 U.S. CODE 1681 B SECTIONS 609, SECTIONS 611, SECTIONS 604, AND SECTIONS 623.

EQUIFAX, INC.

GA

30013

Consent provided

Web

2022-12-27

Closed with explanation

Yes

N/A

6368397

2022-12-06

Mortgage

FHA mortgage

Struggling to pay mortgage

I fell behind due to XXXX. I was on the COVID forbearance and when it was over my lender refused to offer me the XXXX partial claim. They gave me a modification with a trial period of XXXX, XXXX and XXXX. My interest rate when I took the forbearance. I believe the XXXX partial claim would have allowed me to keep my rate. Wells Fargo refused and the modified payment raised my payment from {$2300.00} to {$3000.00}. Wells Fargo stated that my interest rate went up, however again I requested the partial claim and Wells Fargo decided to increase my payment putting me in another hardship. I spoke to Wells Fargo on XX/XX/2022 and I was told there is too many modifications. I question this because XXXX has a XXXX month period between modifications. They refused to send me prior modifications. Now, Wells Fargo sent me a letter stating they are refusing to even review me. Isn't that a decision for XXXX to decide? I believe Wells Fargo is obstructing me from getting available assistance. I also believe Wells Fargo gave me a modification with an increased payment to " set me up to fail ''. I would like to know why Wells Fargo is not allowing their homeowners to access assistance. Also, I do not believe Wells Fargo is following the CARES act in regard to keeping me informed of assistance. I believe Wells Fargo is pushing me into default.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

FL

33458

Consent provided

Web

2022-12-06

Closed with explanation

Yes

N/A

6288533

2022-12-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NY

11717

Consent not provided

Web

2022-12-06

Closed with non-monetary relief

Yes

N/A

6288380

2022-12-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

CA

91606

Consent not provided

Web

2022-12-06

Closed with explanation

Yes

N/A

6288706

2022-06-08

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

FRAUDULENT INQUIRIES ARE LISTED ON THE ATTACHMENTS

EQUIFAX, INC.

FL

34120

Consent provided

Web

2022-06-08

Closed with explanation

Yes

N/A

5647925

2022-06-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

GA

30038

Consent not provided

Web

2022-06-09

Closed with explanation

Yes

N/A

5648421

2023-10-17

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Georgia Student Finance Authority

VA

23462

Consent not provided

Web

2023-10-18

Closed with explanation

Yes

N/A

7709949

2023-10-17

Credit reporting 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

79912

Consent provided

Web

2023-10-17

Closed with non-monetary relief

Yes

N/A

7709639

2023-10-30

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

EQUIFAX, INC.

FL

33168

Consent not provided

Web

2023-10-30

Closed with non-monetary relief

Yes

N/A

7774398

2023-11-10

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11222

Consent provided

Web

2023-11-10

Closed with non-monetary relief

Yes

N/A

7828911

2023-11-10

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

EQUIFAX, INC.

LA

70791

Consent not provided

Web

2023-11-10

Closed with non-monetary relief

Yes

N/A

7828905

2024-12-19

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

31404

Web

2024-12-19

In progress

Yes

N/A

11214123