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2019-08-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Equifax ; XXXX and XXXX are reporting incorrectly ( 30 ) plus days late on the DPT ED/XXXX ; XXXX and XXXXXXXX XXXX partial account 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. ( Please see pages 5 18 and 23 - 30 of the attached credit report. ) These payments were made on time every month. I and not understanding why there are multiple reporting errors on these accounts. I have contacted the Dept of Ed ; XXXX and XXXX to delete the lates reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed. I have also contacted the ( 3 ) bureaus to fix this, however I have not been successful. | null | EQUIFAX, INC. | IL | 60153 | null | Consent provided | Web | 2019-08-15 | Closed with explanation | Yes | null | 3,342,200 |
2017-05-31 | 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 | BETWEEN XXXX XXXX 2017 THRU XXXX XXXX ,2017 I HAVE OVER XXXX UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 35023 | null | Consent provided | Web | 2017-06-01 | Closed with non-monetary relief | Yes | null | 2,497,993 |
2019-01-06 | Vehicle loan or lease | Loan | Struggling to pay your loan | Loan balance remaining after the vehicle is repossessed and sold | XX/XX/2016 the vehicle was repossess and sold at an later, the total amount on the vehicle was {$5500.00} at the time of the repossess. I had written the company and requested a copy of how much the vehicle was sold at. Also, request that the company updated with all three credited bureau, the company refuse to do sent me any information or update my information with all three credit bureau. In addition, I have disputed this account with XXXX, XXXX, and XXXX. No changes have been made with the credit bureau 's. In addition, the company sold me a car with a salvage title without my knowledge. | null | The LGM Co., Inc. | NC | 28262 | null | Consent provided | Web | 2019-01-06 | Closed with explanation | No | null | 3,117,865 |
2023-05-16 | 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 | All these inquiries were not made by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 349XX | null | Consent provided | Web | 2023-05-16 | Closed with explanation | Yes | null | 6,985,913 |
2022-03-23 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | Hi, my name is XXXX XXXX. For the SYNCB/Banarepdc account on my credit report there is two late payments for XX/XX/XXXX and XX/XX/XXXX that I made that aren't 30 days late on the payments. If you check the account since it has been opened from XXXX there hasn't been any late payments except these 2 where there was a payment issue. Not only that I did not receive any bill or payment alert or notification it was due as I always make my payments and never miss any. I am trying to go for a mortgage loan and this is severely hurting my credit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NY | 11787 | null | Consent provided | Web | 2022-03-23 | Closed with explanation | Yes | null | 5,356,870 |
2018-08-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | LA | 71111 | null | Consent provided | Web | 2018-08-08 | Closed with non-monetary relief | Yes | null | 2,986,387 |
2021-02-05 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | Lvnv funding LLC amount is XXXX date is opened XXXX XXXX, | null | Resurgent Capital Services L.P. | CA | 92376 | null | Consent provided | Web | 2021-02-05 | Closed with explanation | Yes | null | 4,118,337 |
2022-12-15 | 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 has failed to report to the credit reporting agency the true and accurate information on my report it is against the law to report fraudulent information attached is a letter from XXXX XXXX XXXX saying that they account is paid in full and that they are refusing to send me my XXXX oid XXXX and XXXX tax documents, even though they said in the letter that they only send those documents to people who owed them debt. Also they failed to provide the XXXX of my XXXX XXXX account so i only think that they have something to hide. I demand the ledger of the account along with the XXXX i request. So can i get treated equally with full faith and credit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30127 | null | Consent provided | Web | 2022-12-15 | Closed with explanation | Yes | null | 6,325,531 |
2023-08-26 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | There are several inaccuracies being reported on this account throughout all the credit bureaus.
I have attached my most recent credit report for your reference.
Please correct this and remove from my credit file.
Account status Date opened High Credit Date last reported Date last active XXXX is still showing payment history past date of last active, how? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MA | 02301 | null | Consent provided | Web | 2023-08-26 | Closed with explanation | Yes | null | 7,458,470 |
2022-06-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I got a copy of my credit report and there were accounts reporting negatively on my report. I attempted to address this matter with the consumer reporting agencies, but they did nothing and continued to report this inaccurate information. This problem has become crippling to my ability to obtain credit and adequately provide for my family. It is unfair and irresponsible that these agencies recklessly report this information with out the written consent of the consumer to report this information.
In accordance with the Fair Credit Reporting Act, XXXX ( ACCT # XXXX ), XXXX ( ACCT # XXXX ), XXXX XXXX ( ACCT # XXXX ) HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish any account without my written instructions. | null | EQUIFAX, INC. | LA | 70068 | null | Consent provided | Web | 2022-06-06 | Closed with explanation | Yes | null | 5,636,931 |
2022-04-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 125XX | null | Consent provided | Web | 2022-04-12 | Closed with explanation | Yes | null | 5,439,125 |
2022-05-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | There were multiple inquiries made to my credit without verification or consent on XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX 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 XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX 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 XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | XXXXX | Servicemember | Consent provided | Web | 2022-05-24 | Closed with non-monetary relief | Yes | null | 5,595,923 |
2021-08-19 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | I have been sending letter to Wells Fargo now since XX/XX/XXXX trying to validate this debt they claim I owe. Since than we have written each other more than one letter to each other and in all this time I have yet to receive any validation for this debt that has hurt me deeply. Since they can not seem to validate this debt I am demanding they remove it from there files so it no longer causes any further damage. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 10473 | null | Consent provided | Web | 2021-08-19 | Closed with explanation | Yes | null | 4,644,056 |
2022-10-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Ive noticed a lot of unauthorized unverted inquires on my report. Some of the inquires are there more than once, I reached out to the companies that put the inquiries in and they told me to contact the three major credit bureaus. Ive done that and still have been getting the run around, this has been hindering me for s long time. The XXXX Department Of Education should not be reporting in my credit under 15 u.s code 168 1 ( 5 ). This account is in violation and is not reporting 100 % accurate, it list that The Department Of Education is the furnisher. Thats foregory and misleading. When the schools dont report this type of accounts. XXXX XXXX XXXX should not be listed on my credit on report as well, Ive never did any business with that company nor did I authorize those accounts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CT | 06516 | null | Consent provided | Web | 2022-10-06 | Closed with explanation | Yes | null | 6,058,296 |
2023-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | ZIONS DEBT HOLDINGS submitted a collections to my account. I asked them to provide proof that the debt was correct because this had been previously submitted by XXXX XXXX back in XXXX. XXXX sent me a contract that I signed in XXXX for 3 years. They said that XXXX has XXXX that my account was on contract until XXXX and that my contract was valid. I told them that I cancelled that contract on XX/XX/XXXX and they said to provide proof. At the time I did not have access to my records. I have requested additional proof, but not received anything except text messages saying they will remove this from my credit report if I pay {$300.00}. I contacted XXXX / XXXX, but they have not provided me with any requested records though they emailed me saying that the last know payment was in XXXX. ( I will attach email. ) I submitted a dispute resolution with XXXX 2 times. I submitted the documentation from XXXX XXXX XXXX with everything they sent me including the billing summary showing that my account went initially delinquent on XX/XX/XXXX. Thus the account is over 7 years since it was current. XXXX said that they researched the case and found to be valid. | null | Zions Debt Holdings | CA | 93312 | Servicemember | Consent provided | Web | 2023-06-08 | Closed with explanation | Yes | null | 7,088,552 |
2019-10-24 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I deposited a check to my checking account eight days ago. I found out the bank the check was drawn on had paid the check days ago. My bank refuses to release the funds. I called my bank and asked repeatedly for an explanation as to why and the bank specialist hung up on me. Why do they get to have my money and refuse me access to it? | null | JPMORGAN CHASE & CO. | CA | XXXXX | Older American | Consent provided | Web | 2019-10-25 | Closed with explanation | Yes | null | 3,417,173 |
2017-06-25 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | They are charging me for a student loan for XXXX College in the year 2005. I never attended or took out a student loan or attended school that year. I 've told them about it and nothing has changed on my account. I asked that it be removed and drill nothing. | null | Navient Solutions, LLC. | VA | 24017 | Servicemember | Consent provided | Web | 2017-06-25 | Closed with explanation | Yes | null | 2,558,168 |
2021-10-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX card please remove very misleading and deceptive, I want this removed not mine, I dont appreciate this bank being deceptive to there customers and when talking with them or trying To understand any information its like dealing with a scammer and I want this off my credit report its a credit card called reflex from XXXX XXXX last four of that card number is XXXX | null | EQUIFAX, INC. | GA | 30101 | Servicemember | Consent provided | Web | 2021-10-11 | Closed with explanation | Yes | null | 4,799,645 |
2022-03-25 | Checking or savings account | Other banking product or service | Managing an account | Deposits and withdrawals | US Bank refused to cash any of the US Government XXXX XXXX Savings Bonds I tried to deposit in my checking account. They would not even look at them. When I said that I think they had to process them for deposit by law they said I was wrong. They said their bank 's policy was to not process any savings bonds at all because there is so much fraud involved. Like I say, they would not even let me show the bonds to them. They told me to try the Federal Reserve. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | IL | 60506 | Older American, Servicemember | Consent provided | Web | 2022-03-25 | Closed with explanation | Yes | null | 5,368,578 |
2021-11-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Someone seems to have access to my personal information and is trying to ruin my credit. In XXXXXX/XX/XXXX, a debt from XXXX XXXX appeared on my credit with a balance of {$7900.00}. this debt has no account number, just a XXXX XXXX XXXX a phone number. I made several calls to them and have gotten nothing more than the classic run around. I have been unsuccessful in rectifying this problem.
InXX/XX/XXXX, I was rerouted to a collection agency and spoke to a Mr. XXXX XXXX who informed me that I did not have an existing account with their agency and that whatever account it was is either closed or is not with their company. I recorded my conversation with Mr. XXXX XXXX since I kept getting the run around. I have his voice making the statement.
Both companies are claiming to not have possession of this account so I don't know why it is on my credit report. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 07305 | null | Consent provided | Web | 2021-11-11 | Closed with explanation | Yes | null | 4,902,918 |
2022-12-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting and XXXX XXXX account ending with # XXXX, has violated my rights : 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Also states thats a consumer agency can not furnish a account without my written instructions | null | EQUIFAX, INC. | IL | 605XX | null | Consent provided | Web | 2022-12-14 | Closed with explanation | Yes | null | 6,313,066 |
2023-08-25 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is XXXX XXXX XXXX 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. | NY | 11225 | null | Consent provided | Web | 2023-08-25 | Closed with explanation | Yes | null | 7,456,628 |
2018-08-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | When I negotiated this payment with the collections company ( Diversified ), I agreed to pay this as long as the entry was completely removed from my credit reports. This has never happened and I've tried a few times to call them with no results. This continues to show up on my credit report and damage my scores and ability to secure financial products.
CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE.
DIVERSIFIED XXXX XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Cable/Cellular ORIGINAL CREDITOR : XXXX AT T LAST REPORTED DELINQUENCIES : XXXX ORIGINAL CREDITOR : XXXX XXXX PAID COLLECTION COLLECTION ACCOUNT CollectionAttorney Closed Highest Adverse Rating - Date:XXXX, Type : Collection Most Recent Adverse Rating - Date:XXXX, Type : Collection Prior Adverse Rating - Date:XXXX, Type : Collection XXXX XXXX XXXX | null | Diversified Consultants, Inc. | OH | 44077 | null | Consent provided | Web | 2018-09-07 | Closed with non-monetary relief | Yes | null | 3,000,945 |
2022-03-03 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | CHASE AUTO BANK HAS BEEN OVERCHARGING ME IN LATE FEES AND HAS A NUMBER OF MISSING PAYMENTS THAT SHOULD HAVE BEEN CREDITED TO MY ACCOUNT BY NOW. CHASE BANK INCORRECT PLACEMENT OF MY PAYMENTS HAS CAUSED ME TO BE REPORTED LATE TO THE CREDIT AGENCY SEVERAL TIMES. CHASE 'S MISPLACEMENT OF PAYMENTS IS NOW IMPACTING MY LIVELIHOOD AND CAUSING ME TO BE XXXX XXXX
When I first open my account with chase auto, I was charged late fees even though I was not late on my payments. Due to covid19 I was laid off from work and was told I would be given some relief from the Chase Auto Loan dept. I was told From XX/XX/XXXX XX/XX/XXXX, I would Receive covid19 assistance with my payments. Apparently, Chase was being dishonest about the relief they agreed to help with me.
. My account balances are not correct, where I was supposed to have received covid19 relief help on my payments the ledger shows differently.
XX/XX/XXXX I was told by a chase rep I received covid19 credit to my account/ Ledger show I made the payment on XX/XX/XXXX, {$920.00} made with teller.
XX/XX/XXXX I was told by a chase rep I Received a covid19 credit, The Ledger shows no payment whatsoever was ever credited to my account. Ledger does not show the month of XXXX payment credited to my account the ledger does not even show a record of payment or credit of the account.
XX/XX/XXXX I was told by a chase rep, I Received a covid19 credit the Ledger shows no payment whatsoever was ever made. my ledger does not show the month of XXXX credited to my account. The ledger does not show the entry of that month 's payment.
XX/XX/XXXX I was told by a chase rep I Received a covid19 credit, the Ledger show no payment whatsoever was ever credited to my account.
XX/XX/XXXX {$2000.00} payment was made to cover two months ' payments the entire payment went to the principal in spite of my direction.
XX/XX/XXXX, {$2000.00} payment was made to cover two months ' payments instead of my directions the payment went towards principle.
XX/XX/XXXX {$940.00} XX/XX/XXXX no payment made XX/XX/XXXX {$1000.00} XX/XX/XXXX {$920.00} XX/XX/XXXX I was told by a chase rep I Received a covid19 credit the Ledger show no payment whatsoever was ever credited to my account. But I was charged late fees {$30.00} XXXX XXXX payment made over the phone {$850.00} & XX/XX/XXXX payment was made {$1000.00} money order never processed to my account.
XX/XX/XXXX payment was made XX/XX/XXXX {$920.00} this payment not reflecting on the account at all. please see attached proof of payment.
XXXX XXXX {$940.00} XX/XX/XXXX, I was informed I was covered for covid19 relief but my Ledger showed XXXX ( XXXX ) I made a payment on this account, where is the credit on the account for covid19 relief I was told was paid by the chase.
XXXX payment was supposed to be a covid19 relief credited to the account I see no payment entry also I was charged late fees of {$45.00} and {$15.00} XXXX XXXX payments were made on this account XX/XX/XXXX and XXXX {$920.00} I was told my payment went towards XXXX payment when I was previously told I received covid19 help.
XXXX payment no payment was credited to the account even though I paid two payments in XXXX XX/XX/XXXX payment made {$1000.00} second payment XX/XX/XXXX {$1900.00} even though I explained the payment was for two months. This payment went towards the principal balance instead of crediting two payments to my account as I advised.
This is why there was no payment entry for the month of XXXX because I expected a credit to my account XX/XX/XXXX payment was made {$1000.00} XXXX this payment was not taken out due to no account found. I have a letter from my bank stating Chase never attempted to take payment from my account in the month of XXXX.
XXXX 's Payment was made XXXX payment {$1000.00} XX/XX/XXXX payment was {$1000.00} XX/XX/XXXX and XXXX two payments were made, and these payments were applied to XXXX and XXXX.
XX/XX/XXXX payment {$1000.00} I was told my XXXX payment was applied to XXXX payment even though chase bank never informed of crediting my payment to a month that was missing a payment.
Based on the doubling up on payments, covid19 relief help, and two lost payment 's I never should have been reported late on my credit. | null | JPMORGAN CHASE & CO. | NV | 89084 | Servicemember | Consent provided | Web | 2022-03-03 | Closed with non-monetary relief | Yes | null | 5,283,741 |
2021-11-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | 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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | FL | 334XX | null | Consent provided | Web | 2021-11-09 | Closed with explanation | Yes | null | 4,889,692 |
2019-06-25 | 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 | I am writing this due to non compliance with the CRAs ( XXXX, Equifax, XXXX ). They have failed to remove information that is affiliated with personal details that were challenged in the past. I strongly believe that they are are in violation of the FCRA and are outright refusing to uphold the law. | null | EQUIFAX, INC. | CT | 06611 | null | Consent provided | Web | 2019-06-25 | Closed with explanation | Yes | null | 3,286,218 |
2021-11-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | On XX/XX/2021 a letter was sent to Experian CRA to remove incorrect information on 2 accounts on my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30082 | null | Consent provided | Web | 2021-11-12 | Closed with explanation | Yes | null | 4,902,079 |
2022-03-21 | Debt collection | Mortgage debt | False statements or representation | Attempted to collect wrong amount | I previously had a loan with XXXX XXXX for the mortgage of my home. Due to XXXX XXXX, XXXX XXXX and XXXX, I fell behind. The home was foreclosed on and the loan was sold to Specialized Loan Servicing LLC. I am currently living in a XXXX XXXX and do not have direct contact information. The loan has been foreclosed but I have not been served with an eviction notice. I am in XXXX. I can not apply for assistance because I do not know where I stand with the house. Also since I have not been formally evicted, I am about to lose my placement in the XXXX. Both I and my counselor at the XXXX have attempted to contact the debt agency to clarify the status. On the first call, I was told that there were XXXX options. Fax and email information was provided. Both of us were told we would receive information on how to proceed. No information was received. We have been through the phone brush off on three occasions. No information is received. The last call, we were assured that we would receive this information within the week. In addition, I have attempted to contact the company via their website. I can not email them without an account. I can not create an account without a loan number. I have no paperwork from the company with any information or loan number etc. This has been going on for over a month. I am willing to work with them or to move on if I could simply get a response. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | WV | 254XX | null | Consent provided | Web | 2022-03-21 | Closed with explanation | Yes | null | 5,348,327 |
2021-04-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Billing dispute for services | I paid 1 dollar to transunion, to check credit score a week later they charged me 27.99 as I went to call them they told me I signed up for a subscription witch theres no way I signed up for anything XXXX a 1 dollar credit report, as I called them to ask them to take the subscription off and I did not purchase it they told me they cant, and I have to keep it for a month, as I ask how come if they said it started after the free 7 day trial some substitution starts, I said to them well if it didnt start yet than take it off she still replied we cant, I ask for a supervisor and she hung up, I called back three times after they get my info they will leave you on hold for 15 20 mins than hang up, so I called back the next day and talk to a woman that said she take it off and I was all set than another charge came, I am now just so upset they can do this, so I called back 2 days later after another charge came and the lady again said theres no way they give refunds, I told her this is fraud she said have a nice day and hung up on me, so after reading up online I found thousands and thousands of people had the same issue, so from learning from them I went to the website and did it online and still was charged and noway to take it off besides the evedince of my calls, I also been getting tons of phone calls from XXXX XXXX and when I called them back to talk to a supervisor I have learned that transunion is there coparnts and you have to log onto there site and go to share personal information and take it off, I just cant belive this is a credit place and to do this this is unbelievable, I am contacting a attorney I dont car if its 30 bucks and 27.99 I'm taking this to court or am asking what I can do this is crazy how many people they been doing this to and customer service is a joke, please help | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 14217 | null | Consent provided | Web | 2021-04-12 | Closed with monetary relief | Yes | null | 4,292,262 |
2023-05-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The following inquiries viewed by others and only by me currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 | Fidelity National Information Services, Inc. (FNIS) | IA | 526XX | null | Consent provided | Web | 2023-05-30 | Closed with explanation | Yes | null | 7,048,782 |
2020-10-07 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | My wife and I had a joint checking account with USAA. Both my wife and I applied separately and independently for a USAA credit card. I was denied but my wife was approved and added me after the account was already in place as an authorized user. The bank instead put me down as a joint account holder. In XXXX, USAA closed our joint checking account without notice or explanation after being a customer for over five years. Because of the checking account closure, access to the online portal for the credit card as well as access to the online portal for my truck loan was removed. There was no way to see any information for any of my USAA accounts. As a result, all deposits and automatic payments for my credit card could not process through my checking account. USAA was aware I had no access to any of my accounts. In the meantime, my stimulus check was deposited into USAA and they took money from the check to cover a overdraft and mailed me the remaining balance. Approximately two weeks later, the check was received by me, which I had no way to cash since they closed my account and I had to open a new checking account elsewhere. As a result, USAA reported a missed payment on my credit for the month of XXXX. The missed payment was caused by USAA due to their removing my account access to pay the bill. I still can not access my truck loan online and USAA will not restore access for me to view my loan. Due to no notice from USAA that they intended to close my account and by removing my online access, they effectively caused the missed payment for XXXX and negatively reported it on my credit. There was ample notice and communication with USAA during this time frame and attempts to regain online banking to pay all bills prior to the credit card account ever being late. I promptly paid off the credit card approximately 2 weeks later when I received the close out check sent from USAA from my stimulus payment which was in XXXX and closed the credit card account immediately. Because I was only to be an authorized user, closing the account should have removed the credit card fully from my credit report but, because they listed me as a joint account holder, I now have a closed account with a missed payment for XXXX reporting on my credit. The missed payment for the credit card was a direct result of USAAs action in closing my account and removing all access to their online payments which caused the payment to be late. | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | FL | 32566 | Servicemember | Consent provided | Web | 2020-10-07 | Closed with explanation | Yes | null | 3,886,204 |
2021-11-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Transunion furnaced information on my credit report incorrectly. I reached out and disputed items and they updated the report to information that was correct regarding employer and late payments. Transunion had and Incorrect employer. They also had a late payment reflecting with credit one that was incorrect and in violation of reporting regulations. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19131 | null | Consent provided | Web | 2021-11-27 | Closed with explanation | Yes | null | 4,950,230 |
2023-04-26 | 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. | NC | 27704 | null | Consent provided | Web | 2023-04-26 | Closed with non-monetary relief | Yes | null | 6,885,701 |
2018-03-28 | 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 | Experian - This company makes it so difficult to cancel your service that most people like me just give up. You can not cancel your service or pull your credit card from their website. You can only call them at XXXX and give them lots of information and then they immediately have their recording tell you it will be a 30 minute wait time to cancel your service.
As I am typing this complaint, I have been on hold for 47 minutes not 30 minutes. This has been the norm in the past and I have given up and hung up to tater find the same results. I want to issue a complaint and will call my credit card company to file a complaint with them as well.
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. | NC | 28031 | null | Consent provided | Web | 2018-03-28 | Closed with monetary relief | Yes | null | 2,857,166 |
2021-01-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I XXXX XXXX am a victim of identity theft and fraud. TransUnion IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 298XX | null | Consent provided | Web | 2021-01-05 | Closed with explanation | Yes | null | 4,049,208 |
2023-03-07 | 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 | 33034 | null | Consent provided | Web | 2023-03-07 | Closed with explanation | Yes | null | 6,661,241 |
2021-12-31 | 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 was working with First Tech Credit Union and asked for a pre-qualification letter for a mortgage and was told via email it would not greatly impact my credit score ( email below ). After that conversation, a XXXX point decrease in my score was noted via XXXX XXXX and XXXX. I don't recognize the XX/XX/XXXX pull and did not authorize anything on XX/XX/XXXX.
I would like the XX/XX/XXXX pull removed from my score per 15 U.S.C. 1681G. Please let me know if you require additional information.
Thank you, XXXX ________________________________________ Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/XXXX and Credit Alert New Inquiry Reported By XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ________________________________ Good evening XXXX, You are most welcome!
Sorry for the late reply, I have been covering for a few other mortgage loan officers this week.
Regarding your credit check, yes it would be a necessary part of the application process, as this is required to add up your liabilities and determine your score.
The good news is that a credit check is good for 90 days and it will have a very minimal impact to your score.
Any small impact incurred you usually get back the following month.
Should you have any questions about the mortgage application process, please feel free to reach out this week!
My direct line is XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | First Technology Federal Credit Union | NJ | 07740 | null | Consent provided | Web | 2022-01-14 | Closed with explanation | Yes | null | 5,058,955 |
2023-08-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 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 | 11520 | null | Consent provided | Web | 2023-08-09 | Closed with non-monetary relief | Yes | null | 7,366,954 |
2019-05-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Multiple disputes have been filed in which they continuously come back as verified, Ive requested the method of verification in which they have not provided. Upon calling today to inquiry about results that had not come in, and file dispute on fraudulent inquires, I was denied that right by the representative, as well as told look at the website, it states how public records are verified. Public records should only be verified by the source, and I have confirmed from the XXXX XXXX bankruptcy court that they do not verify this to any third parties. Meaning credit reporting companies, or the third party companies that they use to verify. Additionally they claimed three collections from XXXX XXXX was accurately verified, I however received a letter from them stating we can not determine the reason for dispute so theyve listed the dispute as in dispute however Transunion says this was verified? HOW?!? Delete these four items immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91316 | null | Consent provided | Web | 2019-05-07 | Closed with explanation | Yes | null | 3,234,348 |
2023-03-17 | 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 | In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. | null | EQUIFAX, INC. | OK | 741XX | Servicemember | Consent provided | Web | 2023-03-17 | Closed with explanation | Yes | null | 6,712,306 |
2020-08-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | I called XXXX XXXX XXXX via Phone ( XXXX ) XXXX, and conversed with XXXX XXXX who has assisted me with addressing me with contacting Trans union who failed to have 4 previous and present loans with XXXX XXXX XXXX not presently on my credit report and there is a 70 point descprencey, and my credit report is not a 100 percent and want to ensure it's accurate. I have enclosed documents from my credit report from XXXX XXXX as well for forward documents with Ms. XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 18301 | null | Consent provided | Web | 2020-08-06 | Closed with explanation | Yes | null | 3,782,628 |
2022-12-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have identified an incorrect account reporting on my credit report. This account violates 15US 1681e ( b ). Transunion, XXXX and XXXX refuse to remove the information from my credit report. I attached and highlighted the incorrect information and would like it removed immediately.
XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91367 | null | Consent provided | Web | 2022-12-28 | Closed with non-monetary relief | Yes | null | 6,371,097 |
2022-03-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
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 this inaccurate information from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. | null | EQUIFAX, INC. | GA | 30127 | null | Consent provided | Web | 2022-03-17 | Closed with explanation | Yes | null | 5,332,466 |
2023-01-25 | 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 | My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. | null | EQUIFAX, INC. | AL | 357XX | null | Consent provided | Web | 2023-01-25 | Closed with explanation | Yes | null | 6,483,524 |
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 | On XXXX ( additional dates/ tracking numbers are attached below ) l sent letters to the credit reporting agency and creditors regarding inaccurate and unknown items on my consumer report. To this day over 30 days later I have not received a response yet I feel like Im being ignored and taken advantage of my disputes Section 611 ( a ) states that failure to investigate items within 30 days gives reason to delete. Delete these items from my consumer report immediately. The credit reporting agency/creditors also violated 623 ( a ) ( 3 ) - 15 USC 1681b - 15 USC 1681e ( b ) - 1681a -2 ( A ) ( i ) - 623 ( a ) ( 1 ) ( B ) ( ii ) ( 5 ) - 15 USC 1681c ( a ) ( 1 ) They were also supposed to complete investigations before the expiration period under section 611 ( a ) ( 1 ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | XXXXX | null | Consent provided | Web | 2022-11-18 | Closed with non-monetary relief | Yes | null | 6,221,192 |
2021-11-18 | 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 | The following Hard Inquires are unauthorized and unverified. Per the Fair Credit Reporting Act these must be removed from the credit bureau Equifax.
XXXX XXXX NA Date : XX/XX/2021 XXXX XXXX Date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2021 XXXX Date : XX/XX/2021 XXXX & XXXX XXXX Date : XX/XX/2021 XXXX XXXX Date : XX/XX/2021 XXXX Card Date : XX/XX/2021 | null | EQUIFAX, INC. | GA | 30038 | null | Consent provided | Web | 2021-11-18 | Closed with explanation | Yes | null | 4,924,756 |
2022-06-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX, Amount : $ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX AMount : {$63.00} XXXXXXXX XXXX XXXX Amount : {$140.00} XXXXXXXX XXXX XXXXXXXX Amount : {$180.00} XXXXXXXX XXXX XXXXXXXX Amount : {$400.00} XXXXXXXX XXXX XXXXXXXX Amount : {$280.00} XXXXXXXX XXXX XXXXXXXX Amount : {$170.00} XXXX XXXX XXXXXXXX Amount : {$230.00} XXXXXXXX XXXX XXXXXXXX AMount : {$120.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$70.00} Date : XX/XX/2XXXX XXXX XXXXXXXX Amount : {$280.00} XXXX XXXX XXXXXXXX Amount : {$270.00} XX/XX/XXXX XXXX XXXX Amount : {$320.00} XX/XX/2022 | null | EQUIFAX, INC. | VA | 24501 | null | Consent provided | Web | 2022-06-26 | Closed with explanation | Yes | null | 5,710,538 |
2023-09-08 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX refuses to have correct data on my report. West Lake Financial reported a commercial loan, and XXXX refuses to mark the account commercial. The amount of the debt is fraudulent, and I proved it. And there are closed accounts from XXXX that XXXX will not remove.
West Lake Financial reported to XXXX that the account had XXXX owed and was charged off. Yet, when I contacted Westlake Financial on a recorded line. I was informed that the past due balance was XXXX. This is a commercial account, and I was NEVER told there was an issue with this account. I have another account with them, and they chose to ruin my credit with a bogus amount. I agreed with West Lake Financial for XXXX, and they are paid in full. They said that they were sending me a tax document. Any tax documents to me are a bogus report, and I am filing with the IRS next. They do not have the title to send me and refuse to mark this account commercially. And they are predatory lenders that my bank has flagged as fraudulent. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Westlake Services, LLC | AR | 72120 | null | Consent provided | Web | 2023-09-08 | Closed with explanation | Yes | null | 7,515,362 |
2019-02-20 | 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 recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, Equifax, and XXXX ) | null | EQUIFAX, INC. | GA | 30033 | null | Consent provided | Web | 2019-02-20 | Closed with explanation | Yes | null | 3,158,508 |
2021-09-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I originally applied to XXXX XXXX for my mortgage was approved and closed/purchased my home. A mortgage service company XXXX XXXX provided mortgage services to my account but was never the lender or owned my mortgage. XXXX XXXX is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX XXXX is also reporting the exact same information which is correct but XXXX XXXX XXXX need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 14304 | Servicemember | Consent provided | Web | 2021-09-15 | Closed with explanation | Yes | null | 4,722,686 |
2022-02-08 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | I received a letter of debt collection from CMRE Financial Services , Inc.I do not believe that they are licensed in Illinois . They have an NMLS id ( XXXX ) and are apparently licensed in 11 states, but Illinois is not one of them. I am awaiting additional information from the hospital where this debt is alleged to have arisen. The debt is for {$200.00} and if I owe the debt I will pay the hospital, but CMRE should not be performing debt collection activities if they are not licensed in Illinois. I have also filed a complaint with the Illinois Department of Financial Institutions. | null | CMRE Financial Services, Inc. | IL | 601XX | Older American | Consent provided | Web | 2022-02-22 | Closed with explanation | Yes | null | 5,199,719 |
2017-06-21 | 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 | Inquiries not approved by me, some inquiries were removed and put back by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30248 | null | Consent provided | Web | 2017-06-21 | Closed with explanation | Yes | null | 2,554,849 |
2022-09-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting. | null | EQUIFAX, INC. | IN | 46077 | null | Consent provided | Web | 2022-09-17 | Closed with explanation | Yes | null | 5,992,587 |
2021-09-01 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with rewards from credit card | In late XXXX I received an e-mail invitation from Regions Bank to apply for a XXXX XXXX Credit Card which offered a {$250.00} reward if I charged at least {$1000.00} during the first 90 days. I received the card a few days later and made more than {$1000.00} in charges in the next few weeks. Today I called to see when I would see the {$250.00} show up on my account ( it shows activity on the card since I got the card in XXXX ) and was told I did not get a new credit card -- it is the same account number as an account I had in XXXX but had not used for a long time. I applied online after I got the e-mail and got a new card shoertly after and that is the card I used. They are refusing to honor the {$250.00} clause but I have been receiving 1 % rewards and the card just started showing up on my on-line banking since I got the new card. They contend the rewards were only for new card holders and my old card disqualified me. Why did I get a new card? Why was I sent the promotion to earn the {$250.00} when I got the new card and started using it? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | REGIONS FINANCIAL CORPORATION | MO | 65804 | Older American | Consent provided | Web | 2021-09-01 | Closed with explanation | Yes | null | 4,687,078 |
2019-02-19 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | On XX/XX/XXXX I received notification from XXXX XXXX XXXX that my employment certification form for the PSLF program had been processed. However, despite the fact that XXXX agreed that I had been in qualifying employment for the entire certification period ( XX/XX/XXXX-XX/XX/XXXX ), there were two anomalies in the certification report. First, my payment history clearly shows that I made 17 or 18 payments during this period, but XXXX XXXX did not credit me with more than 10 payments during this period on any of my loans. Second, for some reason, even though all of my payments were made by auto debit, and should have been applied to all of my loans, some of my loans show 10 payments while others show 8. After receiving this perplexing report, I asked XXXX XXXX to review their findings, as they made no sense. Was told, on XX/XX/XXXX, that a manual review would occur. Each time I call, they tell me it's not done yet, and they have no information regarding when it will be completed. It is now XX/XX/XXXX ( 111 days after the review was initiated ), and XXXX XXXX still has not conducted the review, and still has no estimate for when it will be completed. This is completely unacceptable customer service, especially when the ability to plan ahead for PSLF is such a vital component of my financial planning. | null | AES/PHEAA | NY | 13045 | null | Consent provided | Web | 2019-02-19 | Closed with non-monetary relief | Yes | null | 3,157,206 |
2019-09-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. 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 theft. | null | EQUIFAX, INC. | CA | 93720 | null | Consent provided | Web | 2019-09-28 | Closed with explanation | Yes | null | 3,389,579 |
2023-06-18 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | Back in 2022 I think it was someone took money from my bank account without my permission or authorization by hacking into my XXXX account and i contacted XXXX and they told me to contact my bank which i did and the amount was almost XXXX dollars which is almost all the money I had and was saving for a special occasion... .I had the same issues before with XXXX and XXXX and changed my password so many times but this person kept getting in there some how ... ..it 's not my fault and should not be paying the price for this ... .whoever banks with this bank better watch out cause they are giving people permission to steal money from you and they do not care ....
Oh and their way of handling my issues with these apps and having this happen is to close my account and end my relationship with them .... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NJ | 08096 | null | Consent provided | Web | 2023-06-18 | Closed with explanation | Yes | null | 7,132,828 |
2022-06-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have recently reviewed my credit report and I found several discrepancies. Upon my findings, I disputed the information with the 3 major credit bureaus ; XXXX, Equifax, and XXXX. This original dispute was filed on or around XX/XX/2022 for a closed XXXX credit card account.
The dispute results were emailed back to me from XXXX on XXXX XX/XX/2022. The account came back as verified with the account status/ responsibility being labeled as " the consumer reported as deceased ''. I am not deceased. XXXX and the other credit bureaus have now labeled my account as being deceased. This has prevented me from applying for a mortgage and securing a home for my family.
On XXXX XX/XX/2022, I notified XXXX of the inaccurate reporting on my credit report labeling me as deceased. I was instructed to write a certified letter showing proof that I am not deceased before status can be removed. This account and its many inaccuracies have not been removed by XXXX and the other credit bureaus and have violated my consumer rights under FCRA XXXX.
Under FCRA 611, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), 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.
My rights under FCRA 611 were violated.
Under FCRA 609, Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.
In my dispute filed on XXXX XX/XX/2022, I requested the XXXX account be verified and that I be provided with the information used to verify this account. I was provided any documentation when the credit bureaus " verified '' this account and then updated the status as deceased. My rights under FCRA 609 were also violated.
As a result of the credit bureaus reporting me as deceased my credit scores and report have been removed and are unavailable. This has resulted in me not being able to secure a mortgage for my family. | null | EQUIFAX, INC. | CO | 80214 | Servicemember | Consent provided | Web | 2022-06-07 | Closed with explanation | Yes | null | 5,640,189 |
2022-11-16 | 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 | There was a bank merger between XXXX XXXXXXXX XXXX and XXXX XXXX, during the transition period, my debit bank tied to my account did not process a payment to XXXX XXXX XXXX XXXX. As a result, my account has been reported as late. This is a complete error, there was sufficient funds in the account, the bank provided a letter of proof of funds but the credit reporting bureaus and XXXX XXXX has refused to correct the error. This type of error on my credit report ( s ) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for resolution for the inaccurate late payment that's being reported. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IN | 463XX | null | Consent provided | Web | 2022-11-16 | Closed with non-monetary relief | Yes | null | 6,210,969 |
2020-07-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report | 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 | 2020-07-14 | Closed with explanation | Yes | null | 3,745,007 |
2022-02-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60659 | null | Consent provided | Web | 2022-02-04 | Closed with explanation | Yes | null | 5,188,210 |
2019-09-12 | Checking or savings account | Checking account | Managing an account | Fee problem | I had these account for about 7 years, I had XXXX to deposit and went to the me I feel branch to deposit and was enticed to take advantage of the XXXX incentive. program and was told tof upgrade the account to premier plus.
I have been displeased with chase over the last few months thus been funneling money to XXXX XXXX. now they accused a {$25.00} fee ony my checking account I have had the whole time with chase.
I combined to the lady, XXXX XXXX, who did absolutely nothing. at the XXXX branch that oversees to account therefore, she doesn't care, nor do I, so I want to close my entire accounts with chase and will gladly take my money elsewhere.
I also want my {$25.00} back in will stand for inferior service and will not bank with chase again. I want everything removes and do not want my name on any mailing list with chase. | null | JPMORGAN CHASE & CO. | CA | XXXXX | null | Consent provided | Web | 2019-09-12 | Closed with explanation | Yes | null | 3,372,104 |
2021-08-26 | Debt collection | Other debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I started to work for the company LOAN DEPOT in XXXX of 2020. They Promised me a new position as a manager. This position the company has never had any of there current employees perform, so this is a brand new position opening up just for me. I accepted the job offer with the company they granted me a XXXX sign on, however I would need to stay with the company for 1 year prior to this guarantee being terminated. After accepting the offer and within the first month the job they had me doing was not the job they had me sign for. Nor would I ever be able to make the living I was hoping to make and they have promised me. I have a family and a home! There offer was a complete lie and I needed to make a change to clearly provide to my family. When leaving I asked if they would remove the guarantee they provided and they said no because I sign off on a contract to them. At that time I also stated back to them the offer they gave me and what I received were two different things and the offer was not held up on there side. They have no sent me to collections, I'm a licensed XXXX with another company and having problems with some state licensing because now I have an XXXX collection on my credit. The collection company calls almost daily, threatening me they were going to send it into collection and they have. So, why do they still call? Also, loan depot will not do a thing about it. I lost out on so much and was lied to from the beginning from one of the largest Mortgage companies in the US. I need this collection off my credit report. I'm asking for assitance from the wrongful way I was treated and being treated. | null | LD Holdings Group, LLC | IL | XXXXX | null | Consent provided | Web | 2021-09-10 | Closed with explanation | Yes | null | 4,663,271 |
2018-01-02 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | in XXXX on XXXX XXXX on the corner of XXXX XXXX i think, can i ask you something chase banks used too print a new febit card on the spot if i lost mine so past time they like corporate law what coroorate its a bank? so they give me an XXXX XXXX yr old atm card but thing is, if theur printers print atm cards i dont think they get as a bank its still my XXXX money and if im im a store long story short can yiu ask XXXX do i not look cia.gov cause no i know im not a chase private client, its ok i am with XXXX. my email XXXX is XXXXXXXXXXXX so ond my buddies had the samr situation and they printed him 2 new debit cards in two days both in XXXX. intelligence identification protection act. im gon na change banks obviousky but instead og printig me a new debit like withh my friend goes we sent iy on XX/XX/XXXX si w/the holidsys XXXX thd holidays guy said hd special XXXX it two days to me. | null | JPMORGAN CHASE & CO. | NY | 11426 | null | Consent provided | Web | 2018-01-02 | Closed with explanation | Yes | null | 2,769,306 |
2022-10-10 | Checking or savings account | Checking account | Managing an account | Funds not handled or disbursed as instructed | I put a check in bank arournd XX/XX/22 I thought it was for a online job but it was a fraudulant check the Bank PNC let me know about a week later about it so than I started to notice They PNC Bank was letting my money go to different places I went in and asked to close my Account they told me They Don't Have any of my information and they could not help me. so another two months and I get XXXX and I can't pay my Bills and they claim I still can't close my account. so I got a new checking account and so far behind on my bills .Pnc Claims they did nothing wrong but where is my money!!! then they got a hold of my debt card too I don't Know what to do .I 'm trying to get off XXXX califorina address on my credit report but can't figure it out yet.scammers also got ahold of XXXX XXXX XXXX and took out loan now I owe them {$2900.00} I need Help!! 1 | null | PNC Bank N.A. | MI | 49015 | Older American | Consent provided | Web | 2022-10-10 | Closed with monetary relief | Yes | null | 6,071,163 |
2016-03-13 | Debt collection | Credit card | Cont'd attempts collect debt not owed | Debt resulted from identity theft | Collector keeps calling me on a fraud account that is not mine | Company can't verify or dispute the facts in the complaint | Capital Management Services, LP | FL | 33433 | Older American | Consent provided | Web | 2016-03-13 | Closed | Yes | No | 1,829,864 |
2018-10-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Syncb/Walmrt inquiry from : XX/XX/XXXX est date of removal : XX/XX/XXXX this is a result of identity theft.
i paid XXXX XXXX & the credit people to deal with this.
however, This Hard Inquiry is still on my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NY | 10472 | null | Consent provided | Web | 2018-10-22 | Closed with non-monetary relief | Yes | null | 3,050,969 |
2023-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated. | null | EQUIFAX, INC. | FL | 33610 | null | Consent provided | Web | 2023-06-08 | Closed with non-monetary relief | Yes | null | 7,089,940 |
2016-03-26 | Debt collection | Medical | False statements or representation | Attempted to collect wrong amount | The office at XXXX Hospital personally keyed in the credit card info and amount said to be charged, each time we were there. Because they did not put in the right amount they are holding me responsible. It would be one thing if it was a one time mistake, but they charged the same amount 3 times and then say I did n't pay all of it. The card was to be run for the full amount. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CMRE Financial Services, Inc. | AZ | 85207 | null | Consent provided | Web | 2016-03-31 | Closed with explanation | Yes | No | 1,851,310 |
2021-09-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft | null | EQUIFAX, INC. | NY | 11779 | null | Consent provided | Web | 2021-09-15 | Closed with explanation | Yes | null | 4,721,614 |
2021-10-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau 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 inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 | null | EQUIFAX, INC. | PA | 191XX | null | Consent provided | Web | 2021-10-21 | Closed with explanation | Yes | null | 4,830,977 |
2022-07-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | FCRA violations : payments never late XXXX XXXX XXXX.
Potentially negative Date opened XX/XX/2022 Balance - Status Paid, Closed | null | EQUIFAX, INC. | TX | 77060 | null | Consent provided | Web | 2022-07-11 | Closed with explanation | Yes | null | 5,757,499 |
2023-02-12 | Debt collection | Mortgage debt | Attempts to collect debt not owed | Debt was paid | on XXXX XXXX I put in a complaint for mortgage company Essex mortgage that was responded to, with them saying they sent my request through mail and provided cfpb with a copy and not through the portal for my protection. I have not received any documents for the documents i asked for, of debt validation. According to 15 usc 1692g debt validation, the company has 30 days to respond for the alleged debt. Essex mortgage has not responded with proper documentation or any documentation providing debt validation. Essex mortgage is a debt collector and are also not a financial institution who is able to give loans. There is no proof that this company has loaned me anything. This company violated the Truth in Lending Act by charging a down payment which is against 15 usc 1605.They are violating 15 usc 1692a Fair Debt collection Practices Act. This company is a perfect example of the illegal things these companies are doing by extorting consumers for their hard earned money. I've worked hard to provide for my family. Under 12 cfr 1431 banks aren't allowed to loan money and strictly take me as a fool with their illegal activities. This company has not recorded the deed of warranty and promissory note to county recording office as well which is a violation of federal law as well. I have recordings of no recording at the county recording office as well as a recording of a essex employee telling me they could not find my promissory note for 15 minutes of being on hold they returned with documents with a whole different loan number than mine. This company is in clear violations of laws that pertain to the Truth in Lending Act and shall be penalized as i intend to do with federal litigation. Also I have tried contacted employee named XXXX who did call me on XX/XX/2023 at XXXX to give her call at extension XXXX in which i received no response with messages,4 times as provided on my phone records. I also will be auditing this company. | null | Data Mortgage Inc. | FL | 346XX | null | Consent provided | Web | 2023-02-12 | Closed with explanation | Yes | null | 6,563,097 |
2017-11-06 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | IC Systems called about 3 months ago saying I had a collection out for an XXXX XXXX XXXX account I had opened in XXXX XXXX. The calls happened in XXXX and I had no previous notifications about outstanding debts ( i am very good about managing debt ). Naturally, I drove to XXXX XXXX XXXX to resolve whatever was on my account, but they had no recollection of any outstanding balances with them, nor could they trace the amount I was told I owed. I also asked them if they use small, family owned debt collection companies out of Minnesota, like IC Systems. They said no, they go through large, verified companies that collect debt and give ample time to take care of any debts and give several notifications before sending to collections, which was not done. They said I had partaken in a scam transaction for {$84.00} and some change. I immediately went to my bank and cancelled my card and reported a dispute for fraud on my account.
It has been 2 months since this took place and today XXXX/XXXX/XXXX I get another call from IC systems in another state and city, with a different number and no voicemail left. From the first run in with them I knew they could n't have any credible information on me so I called back and told the man who picked up the phone that they are a scam and I am reporting them to the FBI and the BBB. He tried to tell me that they are a real company but I hung up. Several XXXX searches proved that IT IS A SCAM COMPANY. Some said it is a scam group posing as IC systems trying to get you to make payments over the phone, others said it was actually IC systems and they were scamming people. I am tired of the scares about collections and they need to be taken down. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | AR | 727XX | null | Consent provided | Web | 2017-11-06 | Closed with explanation | Yes | null | 2,721,685 |
2020-11-26 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | On XX/XX/2020 I noticed 3 XXXX transaction charges on my account all to the same number, totaling {$4000.00}. When I noticed this I immediately contacted chase to tell them I did not authorize any of the transactions and that my account was now overdrawn by {$4000.00}. I filed a claim with chase. On XX/XX/2020 I received a letter saying they will not give the money back because they think I authorized these transactions, which doesnt make any sense at all. Im not sure what they looked at to determine I authorized the transactions, but it doesnt matter because I did not do this. With a global pandemic and being a XXXX XXXX XXXX with two jobs, I can not afford to be {$4000.00} in debt for money that I did not transfer. I can not even receive my paychecks for my jobs because my direct deposit is wired to my now locked account, & theres complications with editing my direct deposit info with both jobs. Thanks to Chase, my account is now locked, and my account still overdrawn my {$4000.00}. I have been trying not to panic. | null | JPMORGAN CHASE & CO. | IL | 60411 | null | Consent provided | Web | 2020-11-26 | Closed with explanation | Yes | null | 3,976,581 |
2021-07-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I have been fighting with the credit reporting agencies for months now and they just won't comply with the LAW and violate my rights as a consumer. I wrote the three agencies ( XXXX, Equifax & XXXX ) twice in last 4 months and they have not adequately giving a fair and LEGAL remedy for the Fraudulent accounts placed on my credit report!
On XX/XX/XXXX and XX/XX/XXXX I wrote them in dispute of the account and demanded that they be deleted but they have failed to do so.
So I will remind them of congress LAW according to the FDCPA 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts 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 a 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. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified thedebt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communicationduring the 30-day period may not overshadow or be inconsistent with the disclosure of theconsumers right to dispute the debt or request the name and address of the original creditor.
Also furnishing of late payments to my report are against the LAW referencing to 15 U.S. Code 1666b Timing of 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. | null | EQUIFAX, INC. | GA | 30045 | null | Consent provided | Web | 2021-07-12 | Closed with explanation | Yes | null | 4,533,714 |
2020-02-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | To whom it may concern, I have sent dispute letters to XXXX, Transunion and XXXX to dispute and remove erroneous, inaccurate items on my credit report such as collections, late payments and charge offs that were not able to be accurately verified.
All of the letters were sent certified with return receipts. Each letter was sent with copies of my drivers license and social security card to verify my identity. All letters certified receipts were signed and returned as proof of receipt of the dispute letters.
1. Round 1 was sent in XX/XX/XXXX.
2. Round 2 was sent in XX/XX/XXXX.
3. Round 3 was sent in XX/XX/XXXX.
4. Round 4 was sent in XX/XX/XXXX.
I have charge offs remaining on each credit report from XXXX, Transunion and XXXX for XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX 's that still have not been accurately verified as my debts. I would like these erroneous, inaccurate items removed from each credit report with each credit bureau as they are inaccurate and damaging my credit report which is hindering my ability to get approved for lines of credit and loans. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76017 | null | Consent provided | Web | 2020-02-15 | Closed with explanation | Yes | null | 3,533,409 |
2023-03-09 | 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 Transunion, I am writing to dispute the hard inquiries that appear on my credit report. According to my credit report, there are several hard inquiries made on my credit profile that I did not authorize, and I believe that they are affecting my credit score negatively.
As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute any inaccurate or incomplete information on my credit report. I understand that the FCRA also requires the credit bureaus to investigate any disputes within 30 days of receiving a dispute request.
I have carefully reviewed my credit report and noticed that there are inquiries that I did not authorize. I have not applied for any new credit recently, and I am certain that I did not authorize these inquiries. Therefore, I request that you investigate and remove these unauthorized inquiries listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 I request that you investigate and resolve this matter as soon as possible.
Thank you for your attention to this matter. I look forward to hearing from you soon.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60441 | null | Consent provided | Web | 2023-03-09 | Closed with explanation | Yes | null | 6,670,902 |
2022-08-05 | 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! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | XXXXX | null | Consent provided | Web | 2022-08-05 | Closed with non-monetary relief | Yes | null | 5,848,452 |
2023-03-20 | 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 | When I reviewed my credit report, I discovered that the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX {$400000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90660 | null | Consent provided | Web | 2023-03-20 | Closed with non-monetary relief | Yes | null | 6,717,078 |
2020-03-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX and and experian has not updated the inquiries on there acct. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NV | 89506 | Servicemember | Consent provided | Web | 2020-03-30 | Closed with explanation | Yes | null | 3,586,211 |
2018-05-21 | Credit card or prepaid card | Store credit card | Fees or interest | Problem with fees | I opened an on line account on or about XX/XX/XXXX with Sears Citi Bank.
My son and I enrolled in the automatic payment plan to have the monthly payments deducted from his bank account. I received a letter form Citi Cards confirming the automatic payment monthly deduction beginning XX/XX/XXXX and continuing on the XXXX of each month until paid in full. Minimum payment due was {$27.00}. The letter was signed XXXX XXXX, Vice President, Citibank, NA. The letter was dated XX/XX/XXXX.
On the morning of XX/XX/XXXX, I returned a call from an unidentified number on my cell with no voicemail. I returned the call and learned that it was from Sears about my XX/XX/XXXX payment being delinquent. I told the representative that there must be some mistake because my payments are set up for automatic withdrawal. She said that it was not showing up on the account for re-occurring payments. As she looked further she discovered that the automatic payment plan was cancelled the same day that it was set-up, however she could not give me a reason why it was cancelled. I made the payment of {$27.00} immediately and she waived the late fee. After processing the payment she stated the balance left for the month of XXXX is {$64.00}. When I questioned the balance she said that she waived the late fee ( {$27.00} ) but it will not show up in the billing cycle for a few months and when the adjustment is made they will deduct it from my account balance. I do not agree with that decision ( 1 ) It was confirmed in writing that the payments would be deducted from the banking account monthly, ( 2 ) if the agreement we made for the bank draft was cancelled I should have been notified. There was no correspondence whatsoever from Sears or Citi Bank regarding cancellation. Despite the negligence on the part of Sears/Citibank they are holding me responsible to make the {$27.00} payment which I actually do not owe. I have even been threatened by an agent of CITI Bank who declared that if I do not make that payment I will be charged {$27.00} late fee each month until I pay it or my credit is ruined, whichever comes first.
One reason some agents gave for the cancellation was that they were not allowed to withdraw payments from a bank account of which I am not a signer. However, several agents from Citibank offered to restore the automatic payment plan that we had previously. If those were stipulations regarding the automatic withdrawal it should never have been set up in the first place.
After several calls to Sears and Citibank between XX/XX/XXXX and XXXX XXXX, on Thursday, XX/XX/XXXX, I made another call to Sears and reached a customer service agent whose name is XXXX in XXXX XXXX. XXXX told me that my account had already been adjusted and my current monthly balance is {$37.00} and that the {$27.00} late fee had been removed from my account. I asked him several times if he was sure and he insisted that those charges were no longer there. Therefore I made the payment of {$37.00} which he said left a XXXX balance.
I only learned that the {$27.00} late fee was still pending when I made a call on Sunday, XX/XX/XXXX, and the recorded statement announced that the payment was still due.
After many calls I still can not seem to get this issue resolved. Adding {$27.00} late fee ( which I do not owe ) to my account affects my balance and interest tremendously. And all because Sears/ Citibank neglected to inform me of changes that were made in an agreement that we had in good faith. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | GA | 30331 | null | Consent provided | Web | 2018-05-21 | Closed with monetary relief | Yes | null | 2,913,050 |
2021-11-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have been writing to Exeter Financial and the credit reporting agencies for months disputing the incorrect reporting that Exeter has put on my credit reports. Exeter is reporting late payments for months after my account with them was paid in full and closed. I received letters from Exeter stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to Exeter to be sure that they received it. I have written to Exeter 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). Exeter absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information. | null | Exeter Finance Corp. | AL | 35022 | null | Consent provided | Web | 2021-11-15 | Closed with explanation | Yes | null | 4,912,973 |
2019-05-15 | Debt collection | Payday loan debt | Threatened to contact someone or share information improperly | Contacted your employer | On XX/XX/XXXX my brother received a voicemail from XXXX XXXX who stayed that she was with F & M Capital in the bad checks division. She said she had a formal complaint against my name and social security number, regarding a series of bad checks that were passed across state lines. She then called the store that I work at and spoke with the pharmacist who passed her off to the front end ( the department that I work in ). She started immediately asking a supervisor ( who actually works under me ) how she could go about garnishing my wages. She stated that she could not leave a voicemail because my mailbox was full. I verified that my mailbox was empty and then I called XXXX XXXX and asked her to provide me with a validation of this debt. She said that she had already sent mail, email, etc and I verified that she does have the correct information for me, however I have received nothing regarding this from them. She said that I owe {$2600.00} to XXXX XXXX XXXX from XX/XX/XXXX. I explained to her that I believe that this debt had already been paid and she told me that is the most ridiculous thing Ive ever heard! You need a lawyer because they are going to nail you to the wall! When I asked about her calling my place of employment she stated that she was simply verifying my employment so that she could move forward with the wage garnishment process. I explained to her that there is no HR Dept at the store level, only at corporate level and she said that she would be calling back to speak with my store manager at XXXX tomorrow. After our phone call, I signed into my XXXX account and it said there were no active accounts. I do believe this debt was paid years ago and I do not appreciate F and M capital calling myself, my family, and my work divulging personal information and making threats regarding a debt that I have yet to see validation for. | null | F&M Capital LLC | MI | 497XX | null | Consent provided | Web | 2019-05-15 | Closed with explanation | Yes | null | 3,242,659 |
2023-05-26 | Credit card or prepaid card | Store credit card | Getting a credit card | Sent card you never applied for | I rec 'd a letter dated XX/XX/XXXX from XXXX XXXX, Citibank, XXXX XXXX XXXX, with a statement that they needed to confirm that this was a valid application that I submitted and it provided a 4-digit reference number. I did not apply for this card and do not use XXXX for my gas.
Several days later, I rec 'd the credit card ( not dated ).
On XX/XX/XXXX, I called the # on the letter, XXXX. They answered fraud dept. I proceeded to explain that I did not apply for this card. In order to verify me, they needed my name, last 4 of SS #, address, DOB. I have never had to provide my DOB over the phone to any existing creditor I use. I felt I was being asked for way too much information. I repeatedly said I was not trying to be difficult but just very leary that they needed all of this info and if this was legit. The " CSR '' seemed very short and defensive. I was reluctant and hung up.
I then called the # on the back of the card, XXXX. They answered " Consumer Protection Services. '' I questioned why they answered that way if this was supposed to be a customer service number. I, once again, explained the situation & specifically told them I wanted to close the account. I was told again in order to verify they would need my name, last 4 of SS #, address, DOB, an e-mail and a password. I told them I did not have a pw. Since I did not sign up for this card, I did not set up an online account. I was told this was to verify when they called me. I asked if they could tell me if there were any charges on the card yet and when it was applied for/processed. To provide this information, they would still need all of the info I had listed. Again, they were very short and defensive. I hung up again.
Within one minute, I rec 'd a call from XXXX and said they just spoke to me and were calling from the fraud department. It was not the same person. I did not provide any info. Looked up this # on-line while I was on the phone and there are many reports of this # being associated with a scam. I told them this and said I was hanging up. There was no re-assurance that they were legit, just an ok.
It is a shame that these scammers are misrepresenting CitiBank and as consumers, we are paying, in some way ( higher interest, fees, etc ), for all of these companies to have to combat fraudulent activity. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | VA | 22602 | null | Consent provided | Web | 2023-05-26 | Closed with non-monetary relief | Yes | null | 7,034,178 |
2023-01-19 | Checking or savings account | Checking account | Managing an account | Cashing a check | When I would get paid every week and I would try to cash my check and they would tell me my account is closed when I didn't close my account and it would cost me XXXX dollars weekly until they could figure out what happen and this went on for a month and I just gave up on Wells Fargo and I would tell people not to bank with them so they wrote me a letter months later and I told them they caused me over XXXX dollars to go elsewhere to cash my checks so I said forget Wells Fargo it's unfortunate for me | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 90250 | null | Consent provided | Web | 2023-01-19 | Closed with explanation | Yes | null | 6,457,441 |
2021-02-24 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On XX/XX/XXXX and XXXX, XXXX multiple unauthorized charges were made on my Bestbuy consumer credit card. One purchase was made on XX/XX/XXXX in the city of XXXX, AZ Bestbuy store in the amount of {$3.00}. Four more purchases were made 0n XX/XX/XXXX in the city of XXXX XXXX, CA Bestbuy store in the following amounts {$250.00}, {$260.00}, {$71.00}, and {$340.00} for a gran total of {$930.00}. On XX/XX/XXXX my wife and myself were in the XXXX XXXX area XXXX XXXX XXXX, and XXXX, Ca ) shopping for XXXX gifts ( I have bank statements ). On XX/XX/XXXX my wife and I stayed home to wrap gifts and made only one purchase that day in our local XXXX XXXX XXXX ( I have bank statements ).
After Best Buy notified me by text on XX/XX/XXXX that my account was being used fraudulently my account with them had a fraud alert placed on or about the same day by Best Buy. I received a phone call from a person claiming to be from Best Buy Fraud Department shortly after the unauthorized purchases were made. The person on the other end asked if I recognized any of the purchases to which I replied no. They asked if my Best Buy credit card has been lost or stolen to which I replied no. They told me that I was not responsible for the charges and that new cards would be issued. Best Buy also posted a message to my account stating that they would not charge me for the fraudulent charges nor any interest.
On XX/XX/XXXX I received another phone call from Best Buy fraud department although this time with a totally different tone. This time I was asked if my Best Buy credit cards were with me during the time of the mentioned purchases and if I or my wife had ever misplaced our cards at all. Yes we had our cards at home and they had not been misplaced. I told the representative that the only time I used my Best Buy credit card was to pay for my XXXX XXXX internet service. Then I was asked how do I explain the purchase to which I replied, I have no idea. I was told that the investigation would continue but at the time the investigation did not look favorable for me but they would do their best to have a positive outcome for me.
I could not understand why this would not be in my favor because of the fact that I nor my wife made thses purchases. I hoped a thorough investigation on the part of Best Buy Fraud Department would vindicate myself and my wife.
On XX/XX/XXXX I received in the mail a letter from Best Buy. In it was their conclusion to their investigation and their conclusion was based in part on the following statement You received benefit from the disputed charges made on your account. And as a result, I was re-billed for the entire amount of {$930.00}. I called Best Buy Security Operations on XX/XX/XXXX to let them know that I was in total disagreement with their decision. I asked if I could appeal this decision and I asked that this investigation be reopened and both questions were responded with no.
I asked for proof that myself or my wife made such purchases such as a photograph or a copy of a signature, what items were purchased and their response was that I had to go through the local police for such requests. This leads me to believe that the Best Buy stores in XXXX, AZ and XXXX XXXX, CA were not contacted during their investigation, how can this be? It seems Best Buy has no intention to help its customers during stressful claims of fraud. Best Buy insisted that since my credit cards were with me there was no way they could be duplicated and therefore I am responsible for the charges.
My credit score is exceptional. There is no way that I would jeopardize something Ive worked so hard to maintain. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 922XX | null | Consent provided | Web | 2021-02-24 | Closed with explanation | Yes | null | 4,161,443 |
2021-12-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I filed a dispute and the investigation in regards to the incorrect information on my credit report. It took more than 30 days and I have not received any investigation results. | null | EQUIFAX, INC. | CA | XXXXX | null | Consent provided | Web | 2021-12-06 | Closed with explanation | Yes | null | 4,979,429 |
2022-09-08 | Credit card or prepaid card | Store credit card | Getting a credit card | Application denied | Received a credit card denial letter from Kohls department store that I did not apply for. My 2021 taxes were also filed by someone else and I was unable to file. I want to be sure this request does not effect my credit and my identity has not been stolen. | null | CAPITAL ONE FINANCIAL CORPORATION | FL | 328XX | null | Consent provided | Web | 2022-09-26 | Closed with non-monetary relief | Yes | null | 5,957,881 |
2022-03-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | The credit bureau is showing my XXXX account 30 days past due. This is inaccurate information. I have never been late | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | UT | 84041 | null | Consent provided | Web | 2022-03-09 | Closed with explanation | Yes | null | 5,299,686 |
2022-10-10 | Vehicle loan or lease | Loan | Problems at the end of the loan or lease | Problem with paying off the loan | I purchased a used vehicle in XXXX finance with Capitol One Auto. I received a letter from them stating I owed {$1300.00} in late fees and interest, in addition to a deferment in XX/XX/XXXX. I had one deferment in XXXX and never did another. I called on XX/XX/XXXX, spoke with " XXXX '' who initially stated I had no late payments and when I informed him that I made a payment and could verify in my bank statement. I asked to speak to a supervisor and was told " XXXX '' was on another call. XXXX transferred me to a " Resolution Specialist '' who spoke with broken English and could not answer my questions regarding proof of late payments. Instead stated " XXXX '' late payments which is totally false. I asked to speak to someone who spoke English coherently, like their immediate supervisor and was today was holiday and no one else was there. Really. The rep disconnected that call when I told them I didn't appreciate being lied to. | null | CAPITAL ONE FINANCIAL CORPORATION | CA | 94541 | null | Consent provided | Web | 2022-10-10 | Closed with explanation | Yes | null | 6,068,109 |
2021-07-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I have been requesting, since XX/XX/2020, verification of these alleged debts that Credit Bureaus keep reporting on my credit files. However, they have failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - they are required to promptly delete all information which can not be verified '' | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75115 | null | Consent provided | Web | 2021-07-28 | Closed with explanation | Yes | null | 4,583,926 |
2023-08-02 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly. | null | EQUIFAX, INC. | FL | 325XX | null | Consent provided | Web | 2023-08-03 | Closed with non-monetary relief | Yes | null | 7,339,523 |
2022-07-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character.
THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION.
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48198 | null | Consent provided | Web | 2022-07-24 | Closed with explanation | Yes | null | 5,805,006 |
2021-12-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. | null | AMERICAN EXPRESS COMPANY | AR | XXXXX | null | Consent provided | Web | 2021-12-01 | Closed with explanation | Yes | null | 4,961,327 |
2019-08-13 | Checking or savings account | Checking account | Problem caused by your funds being low | Overdrafts and overdraft fees | I opened an Umpqua business account in XX/XX/XXXX. I use the account very infrequently as my business was just getting established. In spring of XX/XX/XXXX, after two projects closed, I let my balance decline to an amount sufficient to cover a recurring XXXX XXXX XXXX XXXX payment while looking for new business.
In early XX/XX/XXXX, I made a deposit. Later that month, our family moved my daughter into her first apartment, we moved our home, and our business office suite . While our home office materials were being unpacked in new locations, I used the XXXX XXXX XXXX XXXX branch tellers to check my balance at least 2-3 times - I did not have access to a computer. Knowing my balance was low, I used my business card very infrequently during this period. I also made deposits for my husband into his Umpqua business account at the XXXX branch, and while I was in the branch, I checked my business balance with one of the tellers. During the month of mid-XX/XX/XXXX and XX/XX/XXXX the same teller verified I had over {$100.00} at least twice. I specifically remember having a conversation with the teller about my business. I handed him my business debit card and asked if he would do a balance inquiry. At least twice, maybe three times during the month of XX/XX/XXXX and XX/XX/XXXX, the same teller confirmed my balance - I remember a conversation we had about my business and chuckled to myself when he asked me the same question about my business on two separate occasions. Unfortunately, sometime during this period, we think my daughter or my husband might have mistakenly used my business account when signing us up for a family XXXX account. Our Umpqua cards are all orange and look alike when you are inside the app. I know I used the card very infrequently maybe one business purchase to change my WA State Business License address and maybe some equipment to fix my computer at the XXXX XXXX XXXX store, but because my account has been closed, I have no idea what the charges are that took us into the negative, or if they are even ours. They could be fraud for all I know!
On Tuesday, XX/XX/XXXX, I made a {$4100.00} deposit into my husbands business account XXXX XXXX. The same teller again confirmed I had {$100.00} in my business account. On Wednesday, XX/XX/XXXX, my husband stopped by the XXXX XXXX branch to make a deposit into my business account because I had an insurance renewal payment of {$360.00} coming up. Again, the XXXX XXXX teller told my husband, your balance is {$100.00}. But, after taking a second look, she asked another teller to help her and said, this account is closed and we cant tell you anything else. My husband called me at home, handed the phone to the teller and she explained that my account was {$900.00} or so in the negative and was closed and that I had to come into the branch to discuss a repayment plan.
The next day, Thursday, XX/XX/XXXX, I went to the XXXX XXXX branch and talked to XXXX XXXX, Store Manager. I explained that I had no idea my account was in the negative and that I had texts between my husband and I throughout the month where he and I talk about the amounts of deposits I made for his business account and the conversations I had with the XXXX XXXX XXXX teller about my balance. XXXX agreed to do some research, said he would talk to the XXXX XXXX XXXX teller, and said he would get back to me with the results.
I left XXXX 1-2 voice mails before finally getting him on the phone on XX/XX/XXXX. XXXX said he would refund {$40.00} ( out of {$600.00}! ) of overdraft charges and that I should call the overdraft department to discuss the remainder of the fees. That same day I called the overdraft department to find out that instead of us having the opportunity to come to an agreement about the overdraft charges, or even give me an opportunity to review the charges, while I was waiting for XXXX to return my call, my account was sent to a collection agency.
I was very frustrated by this time, and I asked Abner to forward my information to a Supervisor. I spoke to XXXX XXXX, the Community Manager a few days later who also agreed to do some research and get back to me. I called her 3 times and waited for over a week for her to return my call. When she returned my call, I learned she had not followed up on any of the information I had provided her. She simply repeated herself and XXXX and said, " you have a responsibility to know the balance in your account '' and said she would refund {$80.00} in overdraft fees. And, she said they had stayed in constant contact with me which felt like a very disingenuous thing to say to a customer after receiving very delayed call backs. After a heated exchange, she agreed to again follow up on the details I provided, the date of the deposit and what happened, and said she would call me on Monday. I asked her to investigate 3 simple questions : Why had I been told at least twice my account had {$100.00} in it? Why was my account closed and sent to collections while I waited for them to investigate? Why didnt I receive any overdraft notices via email or mail during this period?
Instead of receiving a return call from XXXX, on Monday, XX/XX/XXXX, I received a call from XXXX XXXX, the XXXX Store Manager, who began our conversation by asking me, Where did you leave it with XXXX? So, again, I started the story over from the beginning. I repeated the exact same story I had explained to 2 other people since XX/XX/XXXX. I provided dates, times, amount of deposit, and even a description of the teller. This time, XXXX said he looked into the situation and shared that he didnt think it was possible for the teller to provide me a wrong balance because his tellers know what they are doing. He didnt have a response for why I didnt receive overdraft notices by email or mail. But he said that I should have received a statement in early XX/XX/XXXX notifying me my account had gone into the negative. I did not.
Basically, no one I spoke to accepted any accountability for the teller providing inaccurate information, had no explanation for the lack of overdraft notices, offered little concession for nearly {$600.00} in overdraft fees, and while I waited for them to " investigate '', my account was closed and sent to collections. And now because of their repeated delays, my credit has been affected.
In summary : My account went into the negative by mistake I have no problem paying for the charges we incurred, and if given an opportunity to review them and can confirm they are ours, we will pay them At the time, we had no idea the account had been overdrawn, if we had received any notice in the mail or by email, we would have acted immediately During the period of time the account went into the negative, I checked my balance with the same teller at the XXXX branch 2 or 3 times and was given inaccurate information I utilized the resources Umpqua provides believing them to be accurate The Store Manager, XXXX, waited two weeks to investigate and respond to me during this time, my account was sent to a collection agency The collection agency is calling me 6x per day, every single day sinceXX/XX/XXXX The Community Manager, XXXX, repeated herself, its your responsibility waited a week to respond, said No one at XXXX remembers you after not following up on the detail I had given her ( date and time and amount of the deposit, teller description, location ) The XXXX Store Manager, XXXX, denied the possibility the teller could have made a mistake In spite of XXXX and XXXX telling me that its impossible, and that tellers would never give my husband information on my account, 2 QA tellers made the EXACT same mistake as the XXXX teller with my husband days later, and said, you have {$100.00} in this account All in all, this was the worst customer service experience I have ever had. All three of these employees treated me like I was unworthy of respect throughout. This experience gave me some insight into what poor people likely have to deal with all the time. I am not one whose account is commonly overdrawn, so the experience was new. But, if this is the way their employees treat people who are having money problems, they should be retrained in communicating empathy while on the phone. Their tone was largely condescending, their comments were repetitive, its your responsibility and not one acknowledged the possibility that the bank might have made a mistake or the teller could have contributed to the confusion. And while I waited, they sent my account to collections without so much as a phone call. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | UMPQUA HOLDINGS CORPORATION | WA | 981XX | null | Consent provided | Web | 2019-08-14 | Closed with explanation | Yes | null | 3,339,933 |
2020-01-31 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Company closed your account | On XXXX XX/XX/2019 I ended my account with PNC Bank. The credit card I had was a prepaid credit card for {$300.00}. I made a payment of {$290.00} as a final payment to close the account. I received a reimbursement check and cashed the check in XX/XX/XXXX around the fourteenth. There were overdraft charges that I challenged because the bank had taken the payment, then returned the payment, then took it again. I have spoken with multiple representatives. The bank has also changed the amount that they claim I owe. It has gone from {$300.00} to {$290.00} and now it is claimed to be {$100.00}. So even the bank can't figure out what is right. | null | PNC Bank N.A. | IN | 462XX | Servicemember | Consent provided | Web | 2020-01-31 | Closed with explanation | Yes | null | 3,515,295 |
2022-11-27 | Checking or savings account | Savings account | Closing an account | Can't close your account | As an international scholarship student undertaking a XXXX XXXX in Education with XXXX XXXX XXXX, MD, and with the assistance of the University 's International Office, I opened an account with BB and T in XXXX, Maryland in XX/XX/XXXX. When Covid 19 happened, I returned to XXXX in XX/XX/XXXX and finished my XXXX online.
Truist has taken over BB & T and I have been trying on a constant basis since XX/XX/XXXX to close this account with emails sent to various Truist staff members most of which went unanswered. XXXX XXXX replied to me on XX/XX/XXXX seeking " the branch where the account originated and he would seek the XXXX XXXX to begin the process ''. I replied to this email on XX/XX/XXXX providing the information sought but heard nothing. I also made an appointment online with XXXX XXXX Truist Branch to call me on XX/XX/XXXX but again no call was received. On XX/XX/XXXX, I made 4 different telephone calls to Truist XXXX XXXX XXXX XXXX with my initial conversations on the first 3 calls being terminated by Truist. On the 4th call, I had a long conversation with XXXX however I still have not been successful in getting my account closed and funds remitted to me. Additionally I sought a credit reference from her and this has not been provided either. I have pursued every avenue open to me from XXXX to contact Truist and get matters resolved. I obviously can not go to Maryland to do an in-person closure- all I want is to have my account closed, to have the monies remitted to me here in XXXX and to also have a credit reference provided to me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | null | XXXXX | null | Consent provided | Web | 2022-11-27 | Closed with explanation | Yes | null | 6,242,536 |
2020-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AR | 72113 | null | Consent provided | Web | 2020-05-04 | Closed with explanation | Yes | null | 3,635,832 |
2019-04-10 | Debt collection | I do not know | Communication tactics | Frequent or repeated calls | A person ( s ) has been contacting my daughter and saying their is a court matter that I need to address. I tried calling the number today with the " case '' number and I was given no information without offering sensitive information like my birthdate and social security number. The lady " XXXX XXXX '' said I called yesterday and said I wasn't me and said I was a liar. No such event happened. I would like whoever this is to please stop contacting my family. | null | Consumer Recovery Solutions, LLC | CA | 92020 | null | Consent provided | Web | 2019-04-16 | Untimely response | No | null | 3,207,947 |