Date_received
stringlengths 10
10
| Product
stringclasses 9
values | Sub_product
stringclasses 29
values | Issue
stringlengths 16
80
| Sub_issue
stringlengths 11
85
| Consumer_complaint_narrative
stringlengths 11
21.3k
| Company_public_response
stringclasses 9
values | Company
stringlengths 3
78
| State
stringlengths 2
36
⌀ | ZIP_code
stringlengths 5
5
| Tags
stringclasses 3
values | Consumer_consent_provided?
stringclasses 1
value | Submitted_via
stringclasses 1
value | Date_sent_to_company
stringlengths 10
10
| Company response to consumer
stringclasses 6
values | Timely_response?
stringclasses 2
values | Consumer_disputed?
stringclasses 2
values | Complaint_ID
int64 1.35M
7.78M
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2019-12-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX I need some help to remove some fraudulent addresses off my credit. The address above is my current and only address. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I have several numbers on my credit file that do not belong to me as well please delete/remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX | null | LEXISNEXIS | OH | 43213 | null | Consent provided | Web | 2019-12-11 | Closed with explanation | Yes | null | 3,465,650 |
2020-12-16 | Checking or savings account | Checking account | Managing an account | Funds not handled or disbursed as instructed | The Bank of America has been holding my check and XXXX transactions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MD | 20706 | null | Consent provided | Web | 2020-12-16 | Closed with explanation | Yes | null | 4,016,783 |
2020-06-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | TRANSUNION has ceased investigation of my credit report because, in their opinion, they believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to deliberate deny my 3rd Dispute request, but I believe it to be a blatant violation of the FCRA, Failing to provide a block within 4 days of being notified from a consumer who's been a victim of identity theft. Failing to provide accurate verification within 30 days of receiving a dispute.
You were advised by me on XXXX by certified mail with a Police Report and affidavit from the Federal Trade Commission regarding fraudulent items appearing on my credit report. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.
Here again is the incorrect information being reported ; XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( insert today 's date ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AR | 72204 | null | Consent provided | Web | 2020-06-11 | Closed with explanation | Yes | null | 3,693,145 |
2023-03-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : XXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 32068 | null | Consent provided | Web | 2023-03-06 | Closed with explanation | Yes | null | 6,655,605 |
2019-09-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | The credit bureaus are reporting inaccurate/outdated/incomplete personal information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 117XX | null | Consent provided | Web | 2019-09-19 | Closed with explanation | Yes | null | 3,379,747 |
2019-04-16 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Application denied | I am a customer of American Express credit card since XXXX. I have never had a payment problem with Amex.My current net worth in liquid assets is more than XXXX XXXX dollars.
In XX/XX/XXXX, I submitted an application online for a Delta Skymiles Platinum Card issued by American Express. Amex denied the application stating that there was an instance where a payment was returned to American Express by my bank. I had a typo on my account number when I set up a new bank account for payment of Balance Due on the Amex Statement. I had rectified the problem immediately.
I called the Amex 800 number and explained the situation and pointed out that I had been member since XXXX and that until very recently I had an Amex Platinum Card. I have never had a payment problem.They said they will review and let me know. I received a regret letter by US Mail dated XX/XX/XXXX.
I called the Amex XXXX number and talked to a woman who would only give her first name XXXX. I wanted to know who made the decision and if I could speak to the person. She said that is not possible. I informed her that I will submit a complaint with CFPB. She said some one will get back to me. No one has. | null | AMERICAN EXPRESS COMPANY | TN | 37919 | Older American | Consent provided | Web | 2019-04-16 | Closed with non-monetary relief | Yes | null | 3,213,648 |
2022-03-11 | Debt collection | I do not know | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I have filed police report and ftc report and they still refuse to properly handle this situation | null | National Credit Systems,Inc. | GA | 30117 | null | Consent provided | Web | 2022-03-11 | Closed with explanation | Yes | null | 5,318,393 |
2017-10-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | A letter dated XXXX XXXX, XXXX from USAA Federal Savings Bank stated a successfully paid off my balance to my motorcycle loan and I would receive my loan in the mail. I now have the loan in my name with the release of lien and still the account appears under my XXXX bureau credit report as delinquent and that I still how. This is a violation of the fair credit reporting act and demand action be taken against this institution as I am no longer liable for this account. In addition I will require compensation for this mishap. | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | TX | 78232 | Servicemember | Consent provided | Web | 2017-10-01 | Closed with explanation | Yes | null | 2,689,881 |
2021-11-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Dear Sir or Madam, XXXX. XXXX XXXX Account Number:XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX.
I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | TX | 760XX | null | Consent provided | Web | 2021-11-30 | Closed with explanation | Yes | null | 4,958,157 |
2023-03-02 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I have no idea who this debt collector is. I have no accounts with this company and have never had any account opened with this company. Ive tried to dispute it several times and it has not been removed.
Account info Account name XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXXXXXX Balance {$820.00} Balance updated XX/XX/XXXXXXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance - Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXXXXXX XXXX | null | Resurgent Capital Services L.P. | ID | 83814 | null | Consent provided | Web | 2023-03-27 | Closed with explanation | Yes | null | 6,639,884 |
2022-08-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Equifax failed to remove unauthorized accounts on my credit report under 15 USC 1681a3. Equifax never obtained any consent from the creditor and did not have permissible purposed to give XXXX XXXX access to My credit report. Equifax violated my right to privacy and have been unfair and partial towards me. 15 USC 1681b2 requires Equifax to have permissible purpose before giving access to my credit report. On XX/XX/2022, Equifax representatives informed me that they could not provide a copy of my consent, or permissible purpose provided by the fraudulent creditor, because they did not have any and did not require it in order to give access to my credit report. This call is recorded. Equifax failed to assure the maximum accuracy of the information concerning me as it relates to my credit report. 15 USC 1681e ( b ) makes it clear that it is the job of Equifax to assure the accuracy before placing false information on my credit report. Equifax informed me that they do not have to do that and if I do not agree with that the creditor has placed, it is my job to contact that creditor. Equifax informed me that they do not conduct an investigation, they give the information to the creditor, and if the creditor says it is valid, they will continue to furnish the information. This is a direct violation of the Fair Credit Reporting Act. 15 USC 1681i states that Equifax if responsible for looking at my information and making an impartial, fair decision with respect to my privacy.
In their last response to my investigation, Equifax admitted to not investigating my dispute. They gave the information I produced to the creditor ( including the identity theft report and police report ), and allowed the fraud to continue reporting on my account. This is harmful to me and my life. This is hurting my children and myself. This is illegal and a violation of the FCRA. Equifax does not abide by the law and must be held responsible. | null | EQUIFAX, INC. | TX | 77450 | null | Consent provided | Web | 2022-08-12 | Closed with explanation | Yes | null | 5,872,347 |
2017-06-23 | Checking or savings account | Checking account | Closing an account | Company closed your account | Hi, I opened an account with Regions Bank around XXXX XXXX, XXXX. They were running a promo for new checking accounts with the code XXXX. This promo stipulated that 10 XXXX check card purchases needed to be done within 60 days of account opening, as well as enrolling in online statements. Once both were performed, the owner of the account would receive a {$400.00} bonus from Regions. I enrolled and committed the purchases by XXXX XXXX, XXXX. Regions decided to close my account without any notification shortly after that. I did n't receive the bonus and I did n't even receive any information whatsoever as to my account closing unilaterally by them. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | REGIONS FINANCIAL CORPORATION | FL | 32712 | null | Consent provided | Web | 2017-06-23 | Closed with explanation | Yes | null | 2,557,459 |
2023-08-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 15001 | null | Consent provided | Web | 2023-08-07 | Closed with non-monetary relief | Yes | null | 7,360,834 |
2018-03-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | I have tried to get my free annual credit report from TransUnion and always have issue and the system says is no possible. For now it will be the second year in a row that I can get my credit report from them and they can explain why so I lost the chance of having it because the system says there is a problem but doesn't explain what problem and marks the report with a green mark as if I have received the report already which is not right. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PR | 00961 | null | Consent provided | Web | 2018-03-16 | Closed with non-monetary relief | Yes | null | 2,845,582 |
2022-12-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. 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. | null | EQUIFAX, INC. | PA | 19121 | null | Consent provided | Web | 2022-12-16 | Closed with explanation | Yes | null | 6,329,372 |
2017-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Spoke wit h Equifax over the phone on XXXX / XXXX / XXXX about an error on my report regarding a false claim that I owed a medical bill. I was and am still currently on social security XXXX . Medical procedure was covered, and this was dismissed from court last year, XXXX . XXXX XXXX is the debtor. They have no claim to this charge as it was fully released. I have proven this with all XXXX credit agencies, including Equifax. Equifax removed the false court judgement after investigating, but left XXXX XXXX as a current collections account. This is the same collection account. It should not have been duplicated on the credit report. They agreed after investigation to remove it, but only removed half. Now, they told me I had to reopen a dispute on XXXX / XXXX / XXXX for the incorrect information that they already agreed to completely delete, so that I have to wait another 30 days. | null | EQUIFAX, INC. | TN | 37067 | null | Consent provided | Web | 2017-06-16 | Closed with explanation | Yes | null | 2,551,680 |
2019-05-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 76018 | null | Consent provided | Web | 2019-05-28 | Closed with explanation | Yes | null | 3,254,952 |
2021-07-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WI | 53218 | null | Consent provided | Web | 2021-07-20 | Closed with explanation | Yes | null | 4,559,097 |
2018-11-07 | Checking or savings account | Checking account | Problem caused by your funds being low | Non-sufficient funds and associated fees | On XX/XX/XXXX, I purchased a {$1000.00} money order from USPS. I did not need it so I deposited into my CHASE account VIA ATM machine. On XXXX it cleared ( or so I thought ) and for the entire day my account was in positive status. At XXXX I get an email stating my account was - {$270.00}. They wiped out all of my money in my account. When I contacted them they said it wasn't THEIR fault, it was the fault of the USPS, that REFUSED payment. When I called USPS they informed me that the money order was NEVER presented for payment, and wherever it is its still a viable MO. My theory is that CHASE presented the MO with the wrong serial number or did something in ERROR and I am paying for it as the customer. They are closing my account, and USPS has told me that since they wont give the MO back ( only provides a legal copy ) they would have to do a 60 day inquiry in order to see why this happened before refunding my money. I have been to CHASE branches, where the employees are more than helpful, but cant do anything because " the return process has started. '' I am in a hellish nightmare, cant eat cant sleep had to stop my direct deposit, borrow money, and even facing eviction, and can't believe this is happening to me. The worse part is them saying USPS refused payment.I feel I was profiled for depositing the MO in the ATM. CHASE felt that a XXXX year old grandmother with the zip code in an urban area shouldn't have {$1000.00} and something must be fishy, so just give it back. They won't admit they're wrong, won't help me, has spoken to me horribly on the phone, BRANDED ME A CRIMINAL, all this while me and my family suffer. I am BEYOND devastated by this. Even the employees I have spoken to by going to the branches have tried their best to help me by scanning their fraud department my receipts making calls to help and they are turned away. THEY have even said THIS IS WRONG. I am at my wits end with this institution unwilling to admit their mistake and PROFILING me ... PLEASE HELP ME | null | JPMORGAN CHASE & CO. | NY | 10030 | null | Consent provided | Web | 2018-11-07 | Closed with explanation | Yes | null | 3,068,231 |
2022-02-24 | Debt collection | Auto debt | Took or threatened to take negative or legal action | Seized or attempted to seize your property | On XX/XX/XXXX I created a modification with Santander for a loan and agreed to make payments on the Auto loan under a modified agreement.
XX/XX/XXXX I filed for bankruptcy I learned before I filed for bankruptcy Santander charged off the loan as they claimed 120 days passed due, and breach the agreement by charging off the loan XXXX Santander returns and files a claim in bankruptcy. Asking for a certain amount of monies.
Santander returned and withdrew the amount requested.
The trustee took payments every month for Santander.
The bankruptcy was not confirmed as there was no need for a bankruptcy and it was dismissed with the Judge adjudicating the account given all creditors 14 days to dispute the adjudication Santander never responded The trustee sent payments to all creditors who were to receive payments.
Santander was not suppose to accept a payment as they had already charged off the debt and no longer had a contract I sent XXXX letters to Santander regarding the Debt the first letter covered I never received a right to Cure default in XXXX, or that they acceleration the contract, It was not sent to the attorney the attorney only received there request to file a claim on a breach accelerated contract I contacted Santander after the Bankruptcy as the trustee sent them payments for the months I was in Bankruptcy as the trustee did not know they accelerated the contract.
After speaking with the trustee I was informed they are to return the monies. I spoke to Santander and explained you return money. They refused. I explain you can not have both the money and the car You must return the money and you can have the car if you return the money. Santander put a cease and desist in place XX/XX/XXXX is when I last spoke to them explaining we know longer have a contract see letter.
Santander did not reach out to me any longer, I did not receive the money back nor did they pick up the car.
After 2 years Santander still did not return the money, but they repossessed the car on XX/XX/XXXX illegally and it is theft as I no longer have a lien with Santander.
I learned there were many lawsuit for subprime loans and realize I was XXXX of the parties who has a subprime loan and was never contacted about the law suit or any arrangement for consumer that had these subprime loans I was in contact with Santander XX/XX/XXXX contacted them explain the debt collection laws and the state of Texas laws to Santander. I was told my loan was escalated as they had never seen anything like this 2 years to pick up an automobile, I spoke with A gentleman on XX/XX/XXXX he was so surprise he stated I will have to send you too the executive offices I received a call from a female a few days later that said she would need at lease 5 days to invest gate given the time frame XX/XX/XXXX.
I received a phone call from a XXXX who informed me he would be handling my account on XX/XX/XXXX. XXXX stated he would ned the letter I sent to the Executive offices. He also informed me it would take XXXX hours to hear back which would have been XX/XX/XXXX.
I did not hear back on XX/XX/XXXX. I was a little concern that it was taken too long for them to answer why they repossessed my auto after 2 years on a contract they breach and took money after the breach then came and took the car XXXX did return the call and assured me he was working the case. He informed me he had a meeting schedule to speak about my case on XX/XX/XXXX and would given me a call back before close of day I did not hear back on XX/XX/XXXX I sent that I believe they are using a delay technique I sent a letter to them explaining I want to know where my Car is located as this is theft as in Texas they must have a valid lien to repossess a car. The lien is no longer in effect after they charged it off, and breach the contract. I explained I would be calling the police to report theft if they do not fix this issue.
I also explained I never received a cure letter. I do not have an address of where my car is. I also explained I do not have a lien with these people any longer. It does not take 2 years to pick up a car. You took the money and created a settlement. I received my credit report they are not even on the report as the loan is a subprime loan and illegal. I explained you not even listed as a creditor. I asked for the car and the title and damages as it they have caused a financial hardship.
I also asked that they tell me where I can pick up my car. I demand they do not sell my car as the letter stated the car would be auction off on XX/XX/XXXX that is illegal as we no longer have a contract and it is voided as they were sued by many attorney generals. I want my car, title and damages. | null | Santander Consumer USA Holdings Inc. | TX | 77449 | null | Consent provided | Web | 2022-02-24 | Closed with explanation | Yes | null | 5,255,482 |
2023-01-13 | Debt collection | Mortgage debt | False statements or representation | Impersonated attorney, law enforcement, or government official | XXXX is not the party that can represent a party in this case as nominee for the lender or lender successor or assign because XXXX XXXX XXXX XXXX XXXX ) stopped existing while never having been provided an Assignment of Deed of Trust. There was a dispute as to who had a right to foreclose as because there was a Assignment of Deed of Trust to XXXX XXXX recorded on XX/XX/XXXX when in fact there was no Assignment of Deed of Trust to any other entity at the time, making that assignment the first lien position. XXXX who was sold my Dept of VA loan on XX/XX/XXXX, when at the time the originator in XXXX XXXX XXXXXXXX ( XXXX ) had yet to deliver and record the Deed of Trust ( DOT ) and also failed to create the Assignment of DOT per its correspondent agreement with XXXX, which was address by XXXX XXXX XXXX XXXX on XX/XX/XXXX in the Limited Power of Attorney ( POA ) that was delivered and recorded at XXXX XXXX XXXX of Deeds on XX/XX/XXXX. Wells became the mortgage servicer of my VA loan on XX/XX/XXXX, but did not act on the non presents of the DOT and Assignment of Deed of Trust which both were needed when having my loan accepted into XXXX 's XXXX XXXX XXXX on XX/XX/XXXX. XXXX responsibility was to inform XXXX that the loan had been accepted into the XXXX pooling without having title making the loan not qualified for the XXXX pooling day XXXX. XXXX now servicing my VA loan and the POA is delivered and recorded at XXXX XXXX on XX/XX/XXXX which XXXX been the servicer for 11 months, while all the other XXXX XXXX Fed XXXX mortgage loans were having Assignment of DOT to XXXX form XXXX except for my VA loan. The XXXX XXXX assignment were done from XX/XX/XXXX to XX/XX/XXXX as XXXX signed these XXXX XXXX assignments. On XX/XX/XXXX when the FDIC declared XXXX a " failed bank '' which stopped the bank from existing, have not abilities to do anything as it did not have a claim for a debt from me because they did not own the mortgage note as a requirement of the XXXX pooling is that the issuers are to use XXXX procedure of endorsing the Note in blank and relinquishing it to XXXX how becomes the owner of the Note without a sell occurring as XXXX is not authorize to buy or sell a mortgage loan! The reason XXXX requires titling to be done is as in this situation they can not control in that other liens are going to be filed as with 2nd mortgages and if the issuer/lender is not filed it effects the shell game that played because XXXX does not pay a cent for the mortgage loans. XXXX is provided the Assignment of DOT when in fact when doing all the other XXXX XXXX through XX/XX/XXXX and XX/XX/XXXX, still being alive until XX/XX/XXXX, and they did not create a Assignment of DOT nor did it call in XXXX to create one, because of the reason stated in the POA. XXXX does not exist and is why they are not address after XX/XX/XXXX, and all payments received by XXXX XXXX XXXX XXXX pooled loans are not going to pay a debt to XXXX because they did not file bankruptcy as the FDIC declared it dead and it had no ability to file bankruptcy making it impossible for this to dispute the time of day! Wells who provides in their many responses their servicing welcome letter telling me they are taken over from XXXX for servicing, yet when it came to the Notice of Default and Assignment of DOT were doing some XXXX XXXX XXXX were it like XXXX never existed in this contract, We not who XXXX successor is and that it XXXX and there not a successor after XXXX and there no assign on XX/XX/XXXX and MERS who never could act because XXXX as when not assign the DOT had no power under the DOT and so could not have power under a assignment of DOT which the did not have record because of the failure of XXXX to follow the rules! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | GA | 30248 | Servicemember | Consent provided | Web | 2023-01-13 | Closed with explanation | Yes | null | 6,434,287 |
2019-01-08 | Debt collection | Auto debt | False statements or representation | Attempted to collect wrong amount | I have been given incorrect information numerous time about my auto loan with GM Financial. I was collected upon when a payment was not due yet. I was told the due date was changed from XX/XX/XXXX to XX/XX/XXXX. I continued to call to verify with their automated system, live agents, and their corporate complaint line and even social media complaint line. I was current on my loan as of XX/XX/XXXX. The due date was changed and verified to be due on XX/XX/XXXX. I am now getting emails from them stating my account is past due when it should not be. I have not been sent any paperwork I requested for a due date change in writing. My statements do not accurately reflect the pay history as they state a payment was returned when I show it is posted. These are the outgoing calls I have made include the following in regard to the complaint.
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX call made at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I advised XXXX the social media complaint agent to call my cell phone today with no answer. I also called for a manager call back again and I am getting no service from this company. My complaint and my loan are not being serviced. I have been given conflicting and wrong information on nearly every call I placed. There is no consistency. I feel like I was lied to and strong armed into making a payment that wasn't due yet and when it was collected, I was told my due date would be changed based on being current and is not. | null | General Motors Financial Company, Inc. | FL | 32073 | null | Consent provided | Web | 2019-01-23 | Closed with explanation | Yes | null | 3,118,985 |
2022-04-25 | Debt collection | Credit card debt | False statements or representation | Attempted to collect wrong amount | XXXX XXXX has duplicated my old debts on all of credit reports changed the amount by a dollar. So it looks like I owe double for each account in collections. Original creditor AND collection company both on my credit reports killing my score. XXXX and XXXX both have done this punishing me for example a XXXX debt now I owe XXXX companies which Experian Said is two different companies for two different amounts-and dates! Original creditor needs to delete it off of my credit when they sell it to a collection agency. I have been dealing with this for years every single account!!!! Costing me XXXX in points, money and debt to income ratio. How much longer do I have to suffer??????? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 342XX | null | Consent provided | Web | 2022-04-25 | Closed with explanation | Yes | null | 5,493,995 |
2022-05-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$62.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; Chapter XXXX Bankruptcy XXXX XXXX Bankruptcy Court Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX, XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 63122 | null | Consent provided | Web | 2022-05-03 | Closed with non-monetary relief | Yes | null | 5,531,619 |
2023-07-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 27804 | null | Consent provided | Web | 2023-07-25 | Closed with explanation | Yes | null | 7,302,340 |
2023-07-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Problem canceling credit monitoring or identify theft protection service | i have XXXX account and department of education closed student loan accounts on my credit report prifile and i need them removed because they are causing me financial hardship and lively hood damage to my life. | null | EQUIFAX, INC. | AL | 360XX | null | Consent provided | Web | 2023-07-12 | Closed with non-monetary relief | Yes | null | 7,234,141 |
2023-07-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I lost my wallet last year with my social security card and ID inside. Ive been struggling with this ever since. | null | EQUIFAX, INC. | OK | 731XX | null | Consent provided | Web | 2023-07-13 | Closed with explanation | Yes | null | 7,249,064 |
2023-04-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have attached an FTC report with fraudulent inquiries | null | EQUIFAX, INC. | FL | 32780 | null | Consent provided | Web | 2023-04-18 | Closed with explanation | Yes | null | 6,856,766 |
2022-08-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am XXXX XXXX XXXX, upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date.
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX Balance : {$7500.00} | null | EQUIFAX, INC. | PA | 151XX | null | Consent provided | Web | 2022-08-23 | Closed with explanation | Yes | null | 5,907,150 |
2021-08-02 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | I had an unauthorized charge on Friday, XX/XX/2021 for {$300.00}. On XX/XX/2021 I realized that my debit card was missing, and I had not been aware of the charge until that day. I called Chase bank on Saturday, XX/XX/2021 at XXXX on a 15 minute call notifying them about the fraudulent charge on my account. I received an email notice/letter from Chase Bank on XX/XX/2021 stating that it my provisional credit will be removed because it was an authorized charge when in fact it was not authorized. | null | JPMORGAN CHASE & CO. | TX | 75287 | null | Consent provided | Web | 2021-08-02 | Closed with monetary relief | Yes | null | 4,595,465 |
2023-09-13 | 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 | Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33196 | null | Consent provided | Web | 2023-09-13 | Closed with non-monetary relief | Yes | null | 7,540,933 |
2018-03-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018.
I contacted XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.
I request that you initiate an investigation into XXXX XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above.
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED.
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | XXXXX | null | Consent provided | Web | 2018-03-01 | Closed with explanation | Yes | null | 2,830,039 |
2023-07-25 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60490 | null | Consent provided | Web | 2023-07-25 | Closed with non-monetary relief | Yes | null | 7,300,830 |
2020-06-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | There are inquiries on my credit report that are older then 2 years. These are inquires from XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, Removal date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | XXXXX | null | Consent provided | Web | 2020-06-26 | Closed with non-monetary relief | Yes | null | 3,718,308 |
2022-11-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX and Equifax credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditoXXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} | null | EQUIFAX, INC. | CA | 92887 | null | Consent provided | Web | 2022-11-07 | Closed with explanation | Yes | null | 6,169,592 |
2021-08-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | FILED A DISPUTE LAST { 609 letter date } WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER { count the days from the 609 letter up to date } DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. | null | EQUIFAX, INC. | FL | 33596 | null | Consent provided | Web | 2021-08-27 | Closed with explanation | Yes | null | 4,669,801 |
2023-01-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Why do you continue to ignore my request to block outdated and unverifiable information?
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof.
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The following items need to be removed and blocked as they are fraudulent.
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 80916 | null | Consent provided | Web | 2023-01-21 | Closed with non-monetary relief | Yes | null | 6,462,389 |
2022-07-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Late and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly update the late remarks immediately.
XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | AZ | 85037 | null | Consent provided | Web | 2022-07-05 | Closed with explanation | Yes | null | 5,736,421 |
2020-10-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing this letter because there are accounts being reported that's not minesXXXX XXXX XXXX XXXX-I have have no acknowledge of this account XXXX-I have
no acknowledge of this account XXXX XXXX XXXX-I have no acknowledge of this account XXXX XXXX XXXX I have no acknowledge if this account | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 64134 | null | Consent provided | Web | 2020-10-16 | Closed with explanation | Yes | null | 3,903,186 |
2023-06-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11219 | null | Consent provided | Web | 2023-06-13 | Closed with non-monetary relief | Yes | null | 7,103,918 |
2022-07-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. XXXX XXXX ACCOUNT # XXXX Pursuant XXXX5 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) The report contains information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report!
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
THE COMPANY HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. | null | EQUIFAX, INC. | FL | 32065 | null | Consent provided | Web | 2022-07-11 | Closed with explanation | Yes | null | 5,756,788 |
2023-01-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Hi, Cfpb My name is XXXX XXXX.
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX Recently, I submitted issue my credit reports.
Thank you for that there is more error on my reports.
Still show Experian credit reports.
Here is listed attached files.
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account Experian Accounts # XXXX # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90020 | null | Consent provided | Web | 2023-01-16 | Closed with non-monetary relief | Yes | null | 6,443,852 |
2023-08-30 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | Dozens of debits totalling about {$54000.00} took place over the course of several months. I failed to notice as I was able to pay my bills | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CO | 80241 | Older American | Consent provided | Web | 2023-08-30 | Closed with explanation | Yes | null | 7,474,674 |
2022-08-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | NC | 28269 | null | Consent provided | Web | 2022-08-20 | Closed with explanation | Yes | null | 5,896,705 |
2018-04-01 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | COMMON WEALTH FINANCIAL needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that COMMON WEALTH FINANCIAL Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. | null | Commonwealth Financial Systems, Inc. | FL | 34759 | null | Consent provided | Web | 2018-04-01 | Closed with explanation | Yes | null | 2,860,796 |
2017-11-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On or around XX/XX/XXXX I was reviewing my credit report and I seen several errors on my report. My U.S. Bankruptcy Discharged was final on XX/XX/XXXX. There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy Case # XXXX XXXX. Judge XXXX XXXX XXXX.
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX.
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 43081 | null | Consent provided | Web | 2017-11-05 | Closed with explanation | Yes | null | 2,721,129 |
2023-06-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE!
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022. | null | EQUIFAX, INC. | NC | 28269 | null | Consent provided | Web | 2023-06-12 | Closed with explanation | Yes | null | 7,102,891 |
2022-05-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In Accordance with the Fair Credit Reporting actXXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX account # XXXX, has violated my rights.
15 U.S.C 1681 section 602.A states I have the right to privacy.
15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 76065 | null | Consent provided | Web | 2022-05-29 | Closed with explanation | Yes | null | 5,615,905 |
2020-02-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Billing dispute for services | My account with National Credit Adjusters was paid in full. ( See attached ). The loan was a payday loan from The XXXX XXXX XXXX {$1300.00}. It is showing closed and with a XXXX balance from the attachment from XXXX XXXX that was reported by XXXX. It is still showing in collections from XXXX XXXX, XXXX, XXXX, and XXXX. I called the ( 3 ) credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections. I mailed the ( 3 ) credit bureaus the paid in full letter. I would like help of removing it from collections on all ( 3 ) credit reports. Thank you very much. | null | National Credit Adjusters, LLC | TX | XXXXX | null | Consent provided | Web | 2020-02-21 | Closed with explanation | Yes | null | 3,539,602 |
2021-12-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX XXXX for many years. During our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I had a XXXX years ago, I was in a financial dilemma due to a gun incident I lost my XXXX XXXX XXXX son. As a result, 7 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 7 late marks on my credit reports are causing me tremendous XXXX I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | FL | 33029 | Servicemember | Consent provided | Web | 2021-12-21 | Closed with explanation | Yes | null | 5,031,576 |
2021-12-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | I have a credit card with Discover bank. In XXXX of 2021 my card was used accidentally and I did not know about these charges until they were posted to my credit report as a delinquent payment in XXXX of 2021. At that time I contacted Discover card services and asked how I could have the charges removed from my credit report, they told me to remove the charges the merchant would have to rescind the charge and issue a refund. I contacted the merchant and they did so. I then called Discover bank again who told me they couldn't remove the delinquent charge bit since it was a mistake I could dispute it as fraudulent with them and it would be removed which I did. I waited for the result of that dispute and was never contacted, after the suggested time had passed I called the bank again and was told the dispute had been denied. I spoke to a supervisor who told me the charges had been removed from my account and that I should dispute with the credit agency. I did this through the XXXX XXXX app. The app told me to wait for 30 days for results. I waited for 30 days and heard nothing so I contacted XXXX who told me that no dispute had been filed and disputes filed through XXXX XXXX are not legitimate disputes with the creditor. I then filed a dispute directly with XXXX. I called them for the results and was told that they couldn't tell me if it was in my favor however if I wanted to I could file another. I did so. This process repeated 5 times. I also filed 2 disputes with XXXX. The last conversation I had with XXXX the technician told me that their automated system told them that Discover reported the delinquency to be legitimate. I called Discover card supervisor line and spoke to a man named XXXX who assured me it was removed and suggested I give XXXX his phone number so he could speak to his deptartment directly. I called XXXX again who said they couldn't contact them directly but to ask for a letter stating that it had been removed to attach to the dispute. I called Discovers supervisor line on XXXX XXXX XXXX 2021 and spoke to XXXX. He informed me that the only thing that had been removed was the fee associated with the late payment but that the delinquency could not be removed. I then recieved an email at XXXX, 8 minutes after their office closed stating that my account was to be terminated for " inactivity '', " serious delinquency '' and " length of open credit accounts ''. I waited until today, XXXX XX/XX/XXXX to call the same supervisor number and was told that I could appeal the decision to not remove the delinquency and should recieve a decision on that appeal soon. I was also told that the only reason for my account being terminated was inactivity, I was told that the system reviews accounts at random and comes to a decision about whether to terminate the account without informing the company or the consumer. Once the system makes the decision to terminate it can not be reversed.
I have had open credit accounts for the last 15 years. In that time I have never had a delinquent payment or derogatory mark posted to my credit report. The charge in question is for approximately {$20.00}. When this derogatory mark posted to my account my score dropped by XXXX points. It seems that no amount of recompense can stop Discover bank from affecting my score in this way, furthermore their decision to close my account suddenly and without warning or recourse will further damage my score by bringing down my average open credit account time length. The timing of which seems to coincide with my calls to the supervisory department and disputes filed with the credit agencies. | null | DISCOVER BANK | CA | 90042 | null | Consent provided | Web | 2021-12-13 | Closed with non-monetary relief | Yes | null | 5,003,755 |
2021-05-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I received a notification of a collection from XXXX alerts. The notification indicated that I had a collections account from XXXX XXXX XXXX for {$200.00} dollars for a hospital visit covered by insurance for my daughter.
The account and I had not received notice of a existing balance with XXXX XXXX XXXX.
The account was paid as agreed and is still listed on my credit report | null | EQUIFAX, INC. | GA | 30071 | null | Consent provided | Web | 2021-05-12 | Closed with explanation | Yes | null | 4,370,948 |
2023-05-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 11213 | null | Consent provided | Web | 2023-05-29 | Closed with explanation | Yes | null | 7,038,800 |
2020-06-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | the accounts I listed are fraud | null | EQUIFAX, INC. | CA | 94531 | null | Consent provided | Web | 2020-06-17 | Closed with explanation | Yes | null | 3,703,165 |
2022-09-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Regional Finance is violating my rights as a consumer. I am putting the company on notice, giving them a chance to cure or be faced with civil liabilities. Let me list the violations.
Account number XXXX Regional Finance is violating law 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states that transactions and experiences are excluded from a consumer report. Regional Finance is reporting Payment history which is transactions and reporting utilization which is experience.
Regional Finance is violating law 15usc 1681a ( d ) ( 2 ) ( B ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term credit credit which is a social security card that is used under Truth and Lending is defined as a Credit Card.
15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
The law clearly states any authorization or approval of a specific extension of credit as a result of a credit card device ( social security card ) is excluded from a consumer report.
Another violation is under the XXXX XXXX. Discloses are to be given to the consumer which I never have been given by Regional Finance and all conditions have to be met in order for Regional Finance to disclose my non public personal information to non affiliated third parties ( consumer reporting agencys ). I want the company to prove all conditions met under the law. Prove that the company gave an opt out disclosure. Prove that I was given an opportunity to opt out before such information was initially disclosed to third parties. Prove that I was given an explanation on how to exercise my nondisclosure right.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
In addition the Federal Trade Commission states on their government website that these discourses are to be given to the customer yearly. There are multiple accounts being reported by Regional Finance and I have yet to receive any disclosures pertaining to accounts being reported. The Federal Trade Commission states without proper consent according to the law it is fraud or identity theft under 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information.
Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation.
I will be submitting a complaint to the FTC against Regional Finance for non compliance.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
No contract can supersede federal law. Any contract that violates federal law is FRAUD.
18 U.S. Code 1341 - Frauds and swindles Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the XXXX XXXX XXXX XXXX XXXX and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. | null | Regional Management Corporation | TX | 75052 | null | Consent provided | Web | 2022-09-30 | Closed with explanation | Yes | null | 6,035,969 |
2018-07-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy.
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.
Transunion : current status is listed as Charged Off as bad debt 1 late payment reported forXX/XX/XXXX XXXX : current status is listed as Settlement Accepted/Charge Off Account 2 late payments reported for XX/XX/XXXX & XX/XX/XXXX XXXX : current status is listed as Transferred to another lender 6 late payments reported for May, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Due to these inaccuracies I request that this account be deleted from my credit report, following my rights under FCRA Section 623.
I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | XXXXX | Servicemember | Consent provided | Web | 2018-07-11 | Closed with explanation | Yes | null | 2,959,926 |
2022-11-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX CARD Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 15. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 16. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 17. Identity Theft XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.
18. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 19. Identity Theft XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.
20. Identity Theft XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.
21. Identity Theft XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.
22. Identity Theft XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.
23. Identity Theft XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. | null | EQUIFAX, INC. | LA | 708XX | null | Consent provided | Web | 2022-11-02 | Closed with explanation | Yes | null | 6,151,058 |
2022-04-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$75.00} XXXX XXXX XX/XX/XXXX Experian XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | XXXXX | null | Consent provided | Web | 2022-04-27 | Closed with explanation | Yes | null | 5,507,994 |
2020-04-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX Account Number : XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX Account Name : XXXX XXXX XXXX account number # XXXX dated open XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX File NumberXXXX Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Name : I XXXX XXXX XXXX ACCOUNT NUMBER # XXXX DATED XX/XX/XXXX Account Name : XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX also address listed on my report ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX , GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ive been attempting to clear my credit report of these fraudulent items as far back of XXXX and have not successful | null | EQUIFAX, INC. | GA | 30342 | null | Consent provided | Web | 2020-04-22 | Closed with explanation | Yes | null | 3,617,565 |
2023-05-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33916 | null | Consent provided | Web | 2023-05-30 | Closed with explanation | Yes | null | 7,041,888 |
2023-08-11 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | American Express charged me {$13.00} late fee plus {$0.00} interest for stating that XXXX statement bill has been paid late. Just to note, XXXX statement bill amount was {$13.00}. Through XXXX XXXX XXXX online bill pay services i've scheduled {$13.00} payment to be delivered to American Express on XX/XX/23, which was the payment due date. On XX/XX/23 XXXX XXXX withdrew the funds from my checking account and delivered the funds to American Express on XX/XX/23. However, American Express is stating that the funds were received on XX/XX/23. I have proof of payment from XXXX that funds were delivered to American Express on XX/XX/23. To resolve the issue i had conference call with XXXX and American Express representatives, but American Express representative refused to resolve the issue. So, i don't know what to do and need assistance from CFPB to resolve this issue. In advance, thank you for your assistance.
Regards, XXXX XXXX | null | AMERICAN EXPRESS COMPANY | WI | 54901 | null | Consent provided | Web | 2023-08-11 | Closed with monetary relief | Yes | null | 7,388,212 |
2020-04-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | i SEND A LETTER TO TRANSUNION ON XX/XX/2020 AND THEY ARE USING TACTICS, DONT WONT TO VERIFY THE DISPUTES SAYING THAT THE LETTER CAME FROM A CREDIT REPAIR COMPANY WHICH IS NOT TRUE.THIS HOAX NEED TO BE STOPPED AND CONTINUE WITH THE PROCESS OF VALIDATING MY REPORT | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 703XX | null | Consent provided | Web | 2020-04-09 | Closed with explanation | Yes | null | 3,599,164 |
2022-04-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you! | null | EQUIFAX, INC. | FL | 331XX | null | Consent provided | Web | 2022-04-01 | Closed with explanation | Yes | null | 5,396,090 |
2019-05-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Company will not respond to any correspondence regarding old account reported on my credit report. Account was a charge off and is being reported incorrectly. Company ignores all requests for proof the debt is real that I send. | null | EQUIFAX, INC. | TX | 79706 | null | Consent provided | Web | 2019-05-27 | Closed with explanation | Yes | null | 3,254,291 |
2019-08-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | TO WHOM IT MAY CONCERN EQUIFAX IS THE ONLY CREDIT BUREAU SHOWING WRONG INFORMATION ON MY CREDIT REPORT I WOULD LIKE A FULL INVESTIGATION WITH MY SIGNATURE SOMEONE WENT TO A SCHOOL IN MY NAME THIS IS NOT ME PLEASE HELP. | null | EQUIFAX, INC. | IL | 60628 | null | Consent provided | Web | 2019-08-07 | Closed with non-monetary relief | Yes | null | 3,332,426 |
2023-01-20 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Overcharged for something you did purchase with the card | I rented a car in XXXX and the car rental agency made a fraudulent charge to my card for a fake damage claim. I provided the credit card company with a mountain of evidence about the fraudulent activities at this rental car company but they simply ignored my dispute and quietly snuck the charge back on my statement about 60 days later on XX/XX/XXXX. This is absolutely criminal fraud, there is no way I am legally responsible for it. I have provided a huge amount of evidence and even before and after pictures of the car. Online reviews show that this company is completely fraudulent, basically they charge all renters huge sums for fake damage on their old broken cars.
It's also relevant that the company charged my card XXXX DAYS AFTER RETURNING THE CAR. This alone should not be allowed.
I have extensive photos of the car upon return but this form doesn't allow XXXX XXXX. | null | JPMORGAN CHASE & CO. | FL | 33411 | null | Consent provided | Web | 2023-01-20 | Closed with monetary relief | Yes | null | 6,465,882 |
2022-07-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am denied every time I ask for a loan or credit card increase. I received a few letters that explained why and yesterday, I received one that mentioned " key factors that adversely affected your credit score. '' - SSN LIKELY INVALID - LACK OF HISTORY AT THIS ADDRESS - LACK OF HISTORY AT THIS PHONE - INQUIRIES DID ADVERSELY IMPACT SCORE with Equifax.
Today I received another one that gave me a credit score of XXXX with XXXX.
This is impossible and shocking.
I called each reporting agency, and nobody could help me, as always. When the subject of the call is about your three-digit score number, we always receive the same answer from all credit bureaus ; " I don't know why sir, because it's an algorithm, so we do not have a control over your credit score '' or " I have no access your credit score, you need to pay {$990.00} to have it. '' | null | EQUIFAX, INC. | FL | 33311 | null | Consent provided | Web | 2022-07-07 | Closed with explanation | Yes | null | 5,743,245 |
2023-01-29 | Vehicle loan or lease | Loan | Managing the loan or lease | Problem with additional products or services purchased with the loan | I would like a copy of my contract. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | HYUNDAI CAPITAL AMERICA | IL | 60827 | null | Consent provided | Web | 2023-01-29 | Closed with explanation | Yes | null | 6,498,949 |
2021-06-14 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | While I was on my XXXX XXXX Account on XX/XX/2021, I noticed that my credit score was dropping. In checking to see the reason why my credit score was dropping I found that there is a collection on credit report from XXXX XXXX XXXX.
Account Number : XXXX Original Creditor : XXXX XXXX XXXX, XXXX.
Current owner : XXXX XXXX XXXX XXXX ID : XXXX Balance : {$1000.00} Accountholder Name : XXXX XXXX This account was fraudulently opened in my name without my knowledge. On XX/XX/2021, I filed a police report with my local law enforcement agency, and notified XXXX, XXXX, and XXXX of Identity Theft. I have also reached out to the collection agency, and completed and returned to them a Identity thef affidavit with a copy of my police report, police report case number : XXXX with the XXXX XXXX Police Department ORI Number : XXXX. Reporting Police Officer : XXXX, Badge No. XXXX.
I have reached out to XXXX XXXX XXXX, and was directed back to the Collections Agency. I have since purchased XXXX XXXX, and placed a Freeze on my Credit Report. | null | Halsted Financial Services, LLC. | MI | 48313 | null | Consent provided | Web | 2021-06-14 | Closed with explanation | Yes | null | 4,457,266 |
2021-05-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | IL | 601XX | null | Consent provided | Web | 2021-05-09 | Closed with explanation | Yes | null | 4,362,776 |
2023-02-10 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | On XX/XX/2022 an unauthorize XXXX transfer to an unknown person of {$500.00} from my checking account. I immediately went to the Chase bank and asked to stop the transaction. Unfortunately they weren't able to, and they freezed my account at the moment. The banker told me it will be refunded to me after they done investigation. However, when I called the customer service, they told me that there were no fraudulent activities shown on my account, and they refused to provide me further information. This is not fair for a value customer of the bank. They should refund me the unauthorized transaction of {$500.00} as this is fraudulent activities. | null | JPMORGAN CHASE & CO. | NY | 10312 | null | Consent provided | Web | 2023-02-10 | Closed with explanation | Yes | null | 6,555,236 |
2019-11-22 | Student loan | Private student loan | Dealing with your lender or servicer | Received bad information about your loan | Received a call from 1file.org claiming to help with loan consolidation for my student loan. I payed {$900.00} up front and {$39.00} a month for this service. I have not seen any consolidation information or loan forgiveness help. I am paying two separate amounts, {$39.00} to 1file.org and {$160.00} to XXXX. I am wondering if the 1file.org company is a scam and how I can stop the monthly payments. | null | La Casa Bonita Investments | FL | 33578 | null | Consent provided | Web | 2019-11-22 | Untimely response | No | null | 3,447,233 |
2022-01-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | me the consumer attempted numerous times to remove and block the negative information list on my report. these companies are causing defama6ion to my characte.r | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19139 | null | Consent provided | Web | 2022-01-02 | Closed with non-monetary relief | Yes | null | 5,061,951 |
2021-02-27 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I opened a checking account with PNC Bank in XXXX. they have held my funds since opening and refuse to make my funds available.
I electronically deposited 3 of my payroll checks and 1 check from my father. they sent me a letter questioning the authenticity of the checks. I went into the branch and showed them my ID and the hard copy of my pay checks. they still refuse to reimburse me or give me the checks back to deposit elsewhere.
the deposits total over XXXX XXXX dollars and I need my money for bills.
please help XXXX XXXX | null | PNC Bank N.A. | CA | 91762 | Older American | Consent provided | Web | 2021-02-27 | Closed with explanation | Yes | null | 4,169,837 |
2022-04-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX XXXX XXXX Account # XXXX and Tennessee Department of XXXX XXXX # XXXX have two different account names also two different account balance. One status say close and the other say collection/chargeoff.
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 renortinoadency can not furnish a account without mv written instructions In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90028 | null | Consent provided | Web | 2022-04-14 | Closed with non-monetary relief | Yes | null | 5,444,444 |
2022-05-27 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | On XX/XX/XXXX I sent out a Debt validation latter to Debt Rec Sol for the amount of XXXX and still nothing from them. | null | Debt Recovery Solutions, LLC | MO | 63135 | null | Consent provided | Web | 2022-05-27 | Closed with explanation | Yes | null | 5,618,219 |
2021-01-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | On XX/XX/2019 I started bankruptcy chapter XXXX pro se and in the midst of it I chose not to move forward. So I toughed it out with my creditors continuing to pay my bills on time. I spoke with the Bankruptcy court and it shows that i didn't turn in the proper paperwork to moved forward. A third party XXXX XXXX is reporting the information inaccurately without knowing all the facts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 48221 | null | Consent provided | Web | 2021-01-29 | Closed with explanation | Yes | null | 4,103,060 |
2022-07-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I filed Federal Trade Commission Identity Theft Report and Experian refuse to remove the information listed on the FTC Report from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | XXXXX | Servicemember | Consent provided | Web | 2022-08-09 | Closed with explanation | Yes | null | 5,814,131 |
2016-12-11 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt was paid | We were scammed by a timeshare in XXXX. Most of what we were told during the presentation has proven to be false. The timeshare has been paid off and we have tried unsuccessfully for years to cancel our membership with XXXX and they refuse to cancel. We have also tried to sell or transfer membership to escape escalating yearly fees without success. We stopped paying the yearly maintenance fees in hopes that XXXX would cancel or terminate our membership but instead turned us over to Monterey Collections. Research showed some timeshares allow to " surrender '' membership but XXXX said they would not send a " surrender packet '' or discuss anything about the account until the past due amount and penalties of {$2200.00} was paid. It is also highly likely " Surrender '' is another Scam. XXXX used lies, deceit and unlimited alcohol to entice victims into a contract that they can not escape from. We have attempted to negotiate, they refuse. | Company believes it acted appropriately as authorized by contract or law | Monterey Financial Services LLC | ID | 83709 | null | Consent provided | Web | 2016-12-11 | Closed with explanation | Yes | No | 2,244,577 |
2023-06-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | EQUIFAX, as well as other credit reporting agencies, is obligated by the FCRA to report accurate accounting. As the consumer, Ive stated this account has been reporting inaccurately and fraudulently. XXXX labels this alleged debt as a Charge-off, which is income according to the IRS. Its specifically against the law for any credit reporting agency to report income on a consumer file/report.
Also, the Equifax company is liable under the SEC to follow certain rules. EQUIFAX XXXX file number XXXX .P. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since this is an alleged charge-off, I will be filing form XXXX treasury forms to audit this account, as the consumers account.
EQIFAX, as well as XXXX and XXXX are securitizing consumers data yet refuse to provide me, the consumer a copy of the CONSUMER FILE and NOT CONSUMER REPORT.
Check the photos as well as letter attatched | null | EQUIFAX, INC. | FL | 33169 | null | Consent provided | Web | 2023-06-26 | Closed with explanation | Yes | null | 7,169,958 |
2022-08-03 | Checking or savings account | Checking account | Managing an account | Banking errors | I had my paycheck direct deposited and it went into the wrong account. As instructed by venmo I paid to have the deposit recalled and they refused the recall stating that that account did not allow a h transactions. I have forwarded some of the messages sent to the pay company ( XXXX XXXX ) they are the payroll company that direct deposits my paychecks into my venmo account. I am sure mistakes have been made where the account number was wrong and it had been handled very poorly by venmo and they are refusing to give me my funds that are clearly in the wrong account. It has been since XX/XX/XXXX that I have been dealing with this with no results and truthfully this is my paycheck I have been counting on. Below you will clearly see the account number my check went into and my account number.
Thank You XXXX XXXX ( XXXX XXXX XXXX, Transitional Services ) This is the lady in charge at XXXX XXXX the payroll company XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
CONFIDENTIALITY NOTICE : This information may contain confidential and/or privileged material and is only transmitted for the intended recipient. Any review, re-transmission, conversion or hard copy, copying, reproduction, circulation, publication, dissemination, or other use of, or taking of any action, or omission to take action, and reliance upon this information by persons or entities other than the intended recipient will be enforced by all legal means, including action for damages. If you receive this message in error, please contact the sender and delete the material from any computer, Disk drive, diskette, or other storage device or media.
From : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : Re : XXXX XXXX XXXX XXXX XX/XX/XXXX.
On XX/XX/XXXX, at XXXX AM, XXXX XXXX XXXX wrote : We are still trying to track down a direct deposit sent to an incorrect Venmo account. XXXX XXXX had a direct deposit issued in the amount of {$620.00} for an effective date of XX/XX/XXXX sent to an incorrect Venmo account of XXXX, the account number should have been XXXX. XXXX and her employer have been trying since then to find where Venmo posted this direct deposit. They were told to send a reversal thru ACH to get the funds back, so we did that on XX/XX/XXXX and the entry was returned because the account does not allow debit ACH transactions. So, Venmo still has the funds, but the employee does not. We need the original transaction returned thru the ACH process or have the funds moved from the account ending in XXXX to the account ending in XXXX. I am providing the information requested by Venmo so that an Account Specialist can start an investigation, please let us know as soon as possible where the funds are and what Venmo is going to do to correct this. Venmo must have a process in place when funds are sent to an incorrect account.
1. Amount of the Direct Deposit- {$620.00} 2. The date the Direct Deposit was sent - Effective date of the deposit was XX/XX/XXXX 3. The name of the issuer ( employer, benefits provider, etc. ) - XXXX XXXX XXXX XXXX ( employer ) 4. A trace number provided by the issuer- Trace # XXXX Thanks!
XXXX XXXX XXXX XXXX, Transitional Services O ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Set & Engage.
CONFIDENTIALITY NOTICE : This information may contain confidential and/or privileged material and is only transmitted for the intended recipient. Any review, re-transmission, conversion or hard copy, copying, reproduction, circulation, publication, dissemination, or other use of, or taking of any action, or omission to take action, and reliance upon this information by persons or entities other than the intended recipient will be enforced by all legal means, including action for damages. If you receive this message in error, please contact the sender and delete the material from any computer, Disk drive, diskette, or other storage device or media. | null | Paypal Holdings, Inc | VT | 052XX | null | Consent provided | Web | 2022-08-03 | Closed with explanation | Yes | null | 5,837,788 |
2022-06-17 | Debt collection | I do not know | False statements or representation | Impersonated attorney, law enforcement, or government official | Id like to report that Capital Management Services LP is being misrepresented by scammers. Over the last week, Ive received a call daily from a set of phone numbers from the XXXX area : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX While I have not picked up, the voicemail states that it is someone representing Capital Management Services LP and that I should call them back at XXXX. The voice of the person calling is the same each time, but the name changes. The last call I received was from a XXXX XXXX and the call before that, it sounded like the name was intentionally garbled by a machine. There is no further information provided in these voicemails - nothing related to debts or even what they are calling about. Looking up the phone numbers and reviewing the real XXXX site, I believe these are scammers and would like to bring that to XXXX attention.
Every voicemail is scripted as follows : " Hi. This is *GARBLED NAME* calling from Capital Management Services LP . Please call me or one of our representatives at XXXX. '' | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Capital Management Services, LP | IL | 60610 | null | Consent provided | Web | 2022-07-01 | Closed with explanation | Yes | null | 5,683,204 |
2018-05-17 | Checking or savings account | Savings account | Managing an account | Deposits and withdrawals | On XX/XX/XXXX, I opened an account with XXXX XXXX which is part of Popular Bank, member FDIC. Between early XX/XX/XXXX and mid XX/XX/XXXX, I kept adding funds from other bank accounts. As of today, the account contains close to {$500000.00}. On XX/XX/XXXX, I went online and tried to withdraw {$2000.00} from the account. The system gave me an error message, asking me to call the bank 's customer service. I called customer service and was told that the account was blocked pending " original funds verification ''. Popular Bank never told me that they had blocked my account and that they needed additional information from me. According to the phone representative, they just wait until customers try to withdraw funds before they tell their customers that there's an issue.
I was asked to email a statement from the bank which originally funded the account at XXXX XXXX to Popular 's fraud department. I did this yesterday afternoon ( XX/XX/XXXX ). This afternoon ( XX/XX/XXXX ) I tried again, unsuccessfully, to withdraw {$2000.00} from the account. I called customer service again and was told that the account is still blocked. The service representative couldn't give me a status update. When I asked to speak with a supervisor I was told that that supervisors are not available and that " someone '' will call me back in 1-2 business days. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | POPULAR BANK | NY | 10025 | null | Consent provided | Web | 2018-05-17 | Closed with explanation | Yes | null | 2,910,032 |
2018-11-04 | Checking or savings account | Checking account | Opening an account | Didn't receive terms that were advertised | On or about XX/XX/2018, I saw an online promotional offer by Bank of America. The offer stated that it was for : New customers only, opening a new Bank account, online, checking and/or savings, and to receive a certain bonus amount. I proceeded to complete its online application with the intent to open a new bank account, as a new customer, to receive that bonus offer ( {$100.00} ). My application was accepted, a New Bank of America Bank Account was opened ( XXXX ), as well as a Debit Card issued. I received a Confirmation Number of ( XXXX ). Approximately 5 business days later, I did receive a new debit card and new account number in the mail. The particular account I chose to open had a Promotion as follows : I must open the account online, make a deposit of at least {$25.00}, and link two ( 2 ) automatic deposits ( minimum of {$250.00} every 30 days ), and must be established within ninety ( 90 ) days of opening the account. On or about XX/XX/2018, I went to deposit {$100.00} into my new account, but the teller said my new online account was closed by the bank. No reason given. During the next several weeks, I called the bank 's 800 number ( s ) trying to find out what happened. No one could help, my issue had to be " escalated '' to a higher power, with the promise I would be contacted with 72 hours. I received no contact. Completely frustrated. Finally, on XX/XX/2018, I was able to " make an appointment '' to speak directly to a representative at a local branch of the bank. After discussing the issue with the bank manager, he indicated that, if I opened a new account ( using my original confirmation number ), there should be no problem linking the Bonus Offer to said account. I asked if they could see why my online account was closed. They had no idea. So I deposited {$100.00} that day. I was told to continue to wait the full 90 days ( XX/XX/2018 ) for the Bonus to be deposited into my account. To that end, on XX/XX/2018, my direct deposit was established and continues to this day, completing my list of tasks to meet the bank 's requirements for the bonus offer. Now, five ( 5 ) months later, I am still waiting to receive the bonus promised by Bank of America. In fact, the many calls I have made during these past months ... being put on hold, stating my case to representative after representative, were not noted in the bank 's system, although each representative claimed they were typing notes to help document my case. I finally asked for and kept one reference number XXXX ( XXXX XXXX, who said she stated my case in writing in the computer, and to call back after XX/XX/XXXX if I hadn't received my {$100.00} bonus. No bonus forthcoming. So, again, I contacted Bank of America Rep, who said she saw " no notes in the system about my issue '' and she could do nothing but " Escalate the Problem '' again. Shameful ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NV | 89012 | null | Consent provided | Web | 2018-11-04 | Closed with monetary relief | Yes | null | 3,065,114 |
2018-11-16 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | On XX/XX/XXXX Grant Mercantile Agency reported a debt of {$1500.00} for XXXX XXXX on my credit report that does NOT belong to me I have repeatedly asked for the identification used in opening this account as proof and they have not been able to provide it. On XX/XX/XXXX, I filed a complaint with CFPB about this issue at which time Grant Mercantile Agency LIED in their response saying it would be " closed with explaination ''. Instead of doing that they have increased the collection amount, keep sending me identity theft papers to fill out, and it has remained opened on my credit reports as collections even tho they refuse to provide me with MY identification to prove that it is my account. I will not perjur myself by filling out identity theft reports when I have no idea if thats what it is or not. What I do know is that Grant Mercantile Agency LIED to both myself and to CFPB by saying they would close the account with explaination when they have no intention to do so. They should be penalized for LYING about resolving this. | null | Grant Mercantile Agency | TN | XXXXX | null | Consent provided | Web | 2018-11-17 | Closed with explanation | Yes | null | 3,076,927 |
2021-09-20 | 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 very depressed from the fact that I have fake accounts in my profile.
Could you please investigate this situation and after you check please remove these items because they are not mine and obviously its error in reporting! Remove them ASAP Items are : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32218 | null | Consent provided | Web | 2021-09-20 | Closed with explanation | Yes | null | 4,737,720 |
2023-08-29 | 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 DONT RECOGNIZE OR RECALL ANY OF THESE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | NY | 10458 | null | Consent provided | Web | 2023-08-29 | Closed with non-monetary relief | Yes | null | 7,472,774 |
2023-03-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Bankruptcy- account # XXXX, XXXX # XXXX Bankruptcy- account # XXXX, case # XXXX i pulled my credit report and seeing my bankruptcys on my credit reports and not understanding why when the court house doesnt share information to credit bureaus 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60649 | null | Consent provided | Web | 2023-03-21 | Closed with non-monetary relief | Yes | null | 6,724,469 |
2020-07-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. | null | EQUIFAX, INC. | AR | 72401 | null | Consent provided | Web | 2020-07-27 | Closed with explanation | Yes | null | 3,766,013 |
2019-12-12 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Received collection letter from XXXX XXXX XXXX regarding debt that is not mine ie library books & materials already returned | null | Unique Management Services, Inc | KS | 66604 | null | Consent provided | Web | 2019-12-12 | Closed with explanation | No | null | 3,466,724 |
2022-11-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
It is also my understanding that Under the FCRA 15 U, S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted..
..
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX, IL XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX type Multifamily XXXX XXXXXXXX, IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Resident type Single family ( XXXX ) XXXX Cellular ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX Record details Record type XXXX XXXX bankruptcy XXXX Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information - XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy XXXX XXXX
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy XXXX XXXX
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} XXXX Account charged off. {$1000.00} written off.
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$820.00} written off.
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$660.00} written off.
XXXX XXXX XXXX Potentially negative Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement.
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$1000.00} Highest balance {$0.00} Terms 1 Months I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : This is not reporting under metro 2 guidelines By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these all mentioned derogatory items be investigated and permanently removed from my report.
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mall.
Sincerely, XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60443 | null | Consent provided | Web | 2022-11-18 | Closed with explanation | Yes | null | 6,221,336 |
2021-10-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have wrote them time after time to tell them to remove fraudulent information reporting on my credit and update my credit file | null | EQUIFAX, INC. | FL | 33169 | null | Consent provided | Web | 2021-11-05 | Closed with explanation | Yes | null | 4,847,338 |
2018-02-07 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | A delinquent trade-line from the company BARCLAYS BANK DELAWARE for {$3100.00} still appears on my XXXX credit report despite the fact this account is not mine, the other credit bureaus have removed the account, I have disputed it, and no proof has been sent to me that this account even exist. I am not sure why XXXX would let this happen as I have contacted them multiple times telling them this. They won't let me dispute this item online for some reason. Please help!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | TN | XXXXX | null | Consent provided | Web | 2018-02-07 | Closed with explanation | Yes | null | 2,805,860 |
2020-05-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX XXXX XXXX XXXX reported a unsubmitted balance to my insurance as a founded balance to a collection agency called XXXX XXXX XXXX XXXX whom failed to rendered supporting documentation that they are in compliance with services that would have been covered under insurance but, due to the negligence of the doctors office, as I was covered my XXXX within the state of Maine as I was XXXX and unemployed at the time. The provider and the insurance confirmed there was no bill and since they failed to submit the claim nor did they notify me in a timely manner ( until it was presented to collections ) the insurance will/did deny coverage because the claim is untimely. Moreover, substantial risks and delays associated with continuing to pursue their lien rights instead of being paid by the clients health insurance need to be brought to the providers attention as well, due to this gross balance causing a huge impact on my creditworthiness If not removed litigation will be set forth, and court will rule and i will sue to the negative impact caused over the years | null | EQUIFAX, INC. | SC | 29209 | Servicemember | Consent provided | Web | 2020-05-25 | Closed with explanation | Yes | null | 3,666,906 |
2021-08-28 | Checking or savings account | Other banking product or service | Managing an account | Banking errors | Received this notification from Discover Bank that I have an option to limit my privacy from Discover by calling their customer service at XXXX XXXX.
I called Discover and asked them to limit my sharing with other affiliates.
The respondent asked me an entourage of questions - My social security number, my verbal password, mother 's maiden name and then my name.
She said that I have been opted out of Discover bank sharing my information with its affiliates but refused to provide me any kind of confirmation.
Please see the notice attached.
Now tomorrow if Discover do share my information I have no proof that I called them to discontinue sharing my information and this is bizarre and a fraud. | null | DISCOVER BANK | CA | 92833 | null | Consent provided | Web | 2021-08-28 | Closed with explanation | Yes | null | 4,670,725 |
2016-12-07 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt resulted from identity theft | While checking my credit report, I saw a debt from Ad Astra Recovery Services collection agency. I then submitted the documents showing identity theft and the company took one of the debts off but left the other debt. I have called numerous times and has been told that the debt was removed, but when I check my credit report for XXXX and XXXX the debt is still there. I would like to have the information removed because it is not my debt. | null | Ad Astra Recovery Services Inc | TX | 77449 | null | Consent provided | Web | 2016-12-07 | Closed with explanation | Yes | Yes | 2,240,315 |
2022-09-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 70003 | null | Consent provided | Web | 2022-09-06 | Closed with non-monetary relief | Yes | null | 5,950,349 |
2020-12-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | I have filed Several complaints against this company XXXX XXXX XXXX they were located in Texas with no phone number and now south Carolina i have tried to call them with no success I have never owned a account with them, they keep putting on my reports as a opened account with a newly closed date of XX/XX/2020 this has negatively affected my credit making it go down yet again every time 75 to 90 points they did this around XXXX as well this is ridiculous that a company or collection agency can fradulently do this this is illegal please remove this from my account as this is incorrect information i have never had a world finance account. if it was a old collection account they bought they are still illegally reporting that it had been open in good standing and closed both times in XXXX and now XXXX with is a illegal refreshing of my account which now is two incidents this is unacceptable | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30052 | null | Consent provided | Web | 2020-12-05 | Closed with explanation | Yes | null | 3,992,658 |
2022-10-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | On the following dates XXXX and XX/XX/22, Capital one unlawfully obtained my credit report without my permission which is violation of the fair credit reporting act 15 USC 1681b. According to the FCRA as a result, Capital One is liable to me actual damage or statutory damage up to {$1000.00} and punitive damage for each inquiry. | null | CAPITAL ONE FINANCIAL CORPORATION | GA | 30339 | null | Consent provided | Web | 2022-10-20 | Closed with explanation | Yes | null | 6,110,588 |
2021-05-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable. | null | EQUIFAX, INC. | FL | 33032 | null | Consent provided | Web | 2021-05-21 | Closed with explanation | Yes | null | 4,395,631 |