Date_received
stringlengths 10
10
| Product
stringclasses 10
values | Sub_product
stringclasses 30
values | Issue
stringlengths 16
80
| Sub_issue
stringlengths 11
85
| Consumer_complaint_narrative
stringlengths 12
11k
| Company_public_response
stringclasses 10
values | Company
stringlengths 3
78
| State
stringlengths 2
2
⌀ | ZIP_code
stringlengths 5
5
| Tags
stringclasses 3
values | Consumer_consent_provided?
stringclasses 1
value | Submitted_via
stringclasses 1
value | Date_sent_to_company
stringlengths 10
10
| Company response to consumer
stringclasses 6
values | Timely_response?
stringclasses 2
values | Consumer_disputed?
stringclasses 2
values | Complaint_ID
int64 1.3M
7.71M
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2023-05-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately! | null | EQUIFAX, INC. | PA | 19468 | null | Consent provided | Web | 2023-05-14 | Closed with non-monetary relief | Yes | null | 6,976,518 |
2020-09-26 | Checking or savings account | Checking account | Closing an account | Funds not received from closed account | My card was lost on XX/XX/2020 I made a claim after realizing my business bank account and savings were cleaned out and left with a high negative balanced.
Bank of America took my paycheck deposits, my regular deposits as well as my {$1200.00} stimulus check and ignored my claim as well as my affidavit submitted to them.
Bank of America closed my account and will not restore the credits taken from my account since XX/XX/2020 nor will allow me to withdraw my remaining balance which is over {$2000.00}.
This denial has caused hardship especially in the social climate of covid-19. I lost my job because I could not access my account to pay for gas. Food supply in my home is low.
It has been over two months now and this is highly unlawful. I will go to the news about this. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | FL | 34221 | null | Consent provided | Web | 2020-09-26 | Closed with explanation | Yes | null | 3,869,244 |
2019-11-06 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Don't agree with the fees charged | I periodically have to have my university file paperwork with Fedloan servicing to prove Im taking graduate courses and am eligible for loans deferment. While I understand they need proof, in the time it takes them to process the request, my loans accrue interest that I have to pay and they dont reverse it, even if they were informed of my classes starting at an earlier date. Most recently, however, after my school filed the paperwork, they placed my subsidized loans into forbearance when they should be in deferment. Theyre illegally charging me interest on my loans. Their customer service and response times are HORRIBLE. I feel helpless when dealing with them and they know theres nothing I can do about it. Its easier to just pay the interest but its infuriating to know they get away with this. I can only imagine how much they profit off of illegally collecting interest when individuals like me are eligible to not pay interest. They really need to be investigated and held accountable! | null | AES/PHEAA | CA | 93010 | null | Consent provided | Web | 2019-11-06 | Closed with non-monetary relief | Yes | null | 3,430,586 |
2019-09-28 | Debt collection | Credit card debt | Communication tactics | You told them to stop contacting you, but they keep trying | XXXX XXXX not only contacted associates that had nothing to do with my account, they disclosed information to the third party in regards to the debt. It was embarrassing, deceptive, intimidating. I asked XXXX XXXX to cease all calls, and I also informed them I want only written communication. They still call me! Even after I informed no more calls. This company should not be in business disclosing an individuals personal business matters to third parties and repeated calls after DNC | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | IL | 60517 | null | Consent provided | Web | 2019-09-28 | Closed with explanation | Yes | null | 3,389,741 |
2023-08-23 | 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 found inaccurate information on my credit reports ( equifaxXXXX XXXX XXXX XXXX. ) 15 UCS 1681. I am asking all delinquent accounts be removed from all 3 credit bPlease be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from any company that you represent, for a debt that I don't owe or shows delinquent, is a violation of the FCRA & FDCPA.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.
I would be seeking a minimum of XXXX in damages per violation for : * Defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) irch non-compliance of federal laws under the Fair Debt Collection Practices + Act, the Fair Credit Reporting Act, and the corresponding local state laws.
I further remind you that you may be liable for your willful non-compli-ance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of XXXX in damages per violation for : 1602 * Defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | AZ | 85234 | null | Consent provided | Web | 2023-08-23 | Closed with non-monetary relief | Yes | null | 7,448,395 |
2022-06-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | In relation to ID XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX CFPB proposed a question as to what would be a fair resolution to this issue? My response, A fair resolution to this issue would be to request that TransUnion and XXXX please " remove '' the negative collection agency ( XXXX XXXX XXXX XXXX XXXX ), from my credit reporting profile so that my FICO score can return to its original state due to XXXX XXXX XXXX XXXX XXXX, being paid in full.
Now that we have received a response from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), on XX/XX/2022, informing us that any credit reporting XXXX provided on behalf of the creditor has been deleted accordingly. The deletion has been confirmed, I would like to move forward with submitting an additional complaint to the CFPB regarding the credit reporting bureau, TransUnion. During my most recent telephone correspondence with a TransUnion Supervisor, by the name of XXXX, he ( XXXX ) informed me that collections remain on ones credit report for XXXX years, unless I as the consumer receive notification from the collections company XXXX XXXX XXXX XXXX XXXX XXXX ), requesting that the negative report be removed ( deleted ) from the consumer 's credit profile. Therefore, considering that the third-party collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX erroneously placed negative information on my personal credit profile, without notifying me and allowing proper time for me to respond to the negative information being reported by the Creditor, I am requesting that TransUnion please XXXX remove '' the negative collection agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX from my credit reporting profile BEFORE a seven-year removal of the erroneous credit reporting can take place so that my FICO score can return to its original state.
The collections supervisor ( XXXX XXXX XXXX XXXX XXXX ) informed me that they would report the balance as paid ; however, to have the collections removed from my credit report, I would need to speak to someone within the Credit Bureaus ( XXXX/TransUnion/XXXX ) XXXX I spoke to an XXXX representative to confirm my dispute and payment, with the ability to remove the negative reporting collections the same day. Considering XXXX was the one that notified me of the negative collection being on my credit profile, I had no idea that the negative collection information had also been reported to TransUnion and XXXX. However, TransUnion and XXXX are stating that they are merely reporting agencies, and the negative collection reporting has to stay on your credit report for seven years although the payment has been updated to paid in full with a zero balance. I find this to be false information. If XXXX was able to remove it from the credit report the same day after showing that the payment in full was made to the third-party collection agency, TransUnion and XXXX possess these same capabilities. No ones FICO credit score should be reduced by over XXXX points due to an erroneous collections charge in the amount of only {$100.00}, due to the creditor ( XXXX ), not following up per the documented conversation to receive the remainder of payment by phone. Allowing creditors, third-party collection companies, and credit reporting bureaus to place negative erroneous information on a person 's credit file that is utilized to weigh an individuals credibility to make life-saving decisions, must stop immediately. The point of filing a dispute with the credit bureaus XXXX TransUnion and XXXX ), is to have the negative erroneous reporting from the collections REMOVED from my credit report file immediately, not to wait for seven years. If I had received the follow-up within a timely manner as promised by the XXXX representative, or proper notification from the third-party collection agency ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX that is when I could have provided the additional payment information and resolved this matter prior to reporting erroneous information to the third-party collections, and placing this error onto my credit profile. It must stop with allowing creditors, third-party collection companies, and credit reporting bureaus to submit a charge to your credit profile, then tell you it must stay on your credit report for seven years before it can be removed. UNACCEPTABLE. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) requesting your kind assistance to further investigate this matter and to provide additional knowledge and instructions for having TransUnion and XXXX remove the negative paid in full third party collections account ( XXXX XXXX XXXX XXXX XXXX ), from my credit report due to it is hurting my FICO credit score and causing emotional distress if I am unable to provide for my family because every business venture and creditor review what is reported to the three major credit bureaus to determine one 's creditability. On Thursday, XX/XX/XXXX, XXXX the Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, responded to CFPB XXXX ID No. : ID XXXX, stating that on XX/XX/2022, XXXX ( XXXX ) placed an account with us for collection or we would not have attempted to contact XXXX XXXX. XXXX wrote to and called the consumer to advise him of the account. Prior to our receipt of the complaint, XXXX had already ceased collection efforts. On XX/XX/2022, XXXX XXXX called XXXX and paid the balance in full. The companys response is proof that not only are they not able to supply documentation that they reached out to me, but the company also did not comply with The Fair Debt Collection Practices Act ( FDCPA ) allows for legal action against certain collectors, such as XXXX XXXX XXXX XXXX XXXX, that dont comply with the rules in the law. XXXX XXXX XXXX XXXX XXXX, did NOT comply with the FDCPA rules in the law. Therefore, one must be selective about what is reported to confirm the accuracy and comply with the due diligence process prior to reporting negative information to a consumers credit profile. I do hope I have provided enough detailed information to the CFPB to support this matter to assist your staff members in developing a full understanding of the dispute and reasoning for your assistance request. It is important that we take the time from our busy lifestyles and speak out when a wrong has been rendered so that no other consumer will experience such amiss. Thank you in advance for your kind assistance, and please do not hesitate to contact me if additional information is needed.
Best regards, XXXX XXXX, XXXX Email : XXXX C : ( XXXX ) XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76244 | null | Consent provided | Web | 2022-06-02 | Closed with explanation | Yes | null | 5,626,630 |
2021-03-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have never applied for credit with Barclays Bank. I was in XXXX XXXX in 2016. I would never qualify for credit. I do not have any or applied for any credit at my age. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress.
Thank you for assisting me in this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | CO | 80222 | null | Consent provided | Web | 2021-03-14 | Closed with explanation | Yes | null | 4,211,761 |
2023-06-29 | Checking or savings account | Savings account | Managing an account | Deposits and withdrawals | On XX/XX/23, I received an e-mail stating that XXXX XXXX was charging my account for {$290.00}. I responded by email but it did not go through, so I called the number in the email to tell them that I didn't want their service. The man who answered said he was reversing the charge.
Almost immediately after I hung up, a man calling himself XXXX XXXX called and claimed to be from XXXX XXXX XXXX XXXX XXXX XXXX. He told me that I had been scammed by XXXX and my credit card had two fraudulent charges on it. He told me to protect my bank account from cyber fraud I needed to open an account with XXXX XXXX XXXX and wire my savings into it. He told me Citibank is being hacked so I had to hurry before fraudsters took it all. He said XXXX was a safe wallet to hold my money until I opened an account at a different bank.
I opened an account with XXXX and XXXX XXXX sent me an email with instructions for completing the wire transfer from Citibank. I went to my Citibank branch and was assisted by XXXX XXXX. I made a wire transfer of {$50000.00} to a XXXX bank account XXXX XXXX claimed was owned by XXXX.
Later I was concerned and looked up the phone numbers for the man calling himself XXXX XXXX. I was not able to verify they belonged to him, so I contacted XXXX to ask if he was one of their agents. I received an email verifying that he worked for cyber fraud investigations and was legit. The email had XXXX logo in it, but I didnt realize at the time that it came from a XXXX address. I was then told my XXXX account had been locked and I could not transfer money in or out of it. The scammers were somehow able to access the funds and withdrew them from the XXXX account.
The next day, I went to Citibank and asked them to reverse the wire transfer. They did an investigation and two months later stated that XXXX wouldn't return the money, so it was my loss to bear.
I am a XXXX XXXX and I have been banking at Citibank for about 20 years. Despite the fact that this transaction involved a very large amount of money and I had no history whatsoever of such transactions, neither XXXX XXXX nor anyone else at the Citibank branch asked me any questions during the face-to-face interaction to screen for or warn me that I might be a victim of a scam. I am informed that this type of scam is very common, and it would have taken only seconds for a Citibank employee to ask a few questions and provide me enough information to help me to realize that I was being victimized. Instead, Citibank collected the {$35.00} wire transfer fee, sent the money out of my account, and provided no assistance in recovering it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 94520 | Older American, Servicemember | Consent provided | Web | 2023-06-29 | Closed with monetary relief | Yes | null | 7,192,867 |
2018-05-31 | Debt collection | I do not know | Communication tactics | Frequent or repeated calls | Company has left multiple VM identifying themselves as debt collectors looking for my wife. | Company believes it acted appropriately as authorized by contract or law | Messerli & Kramer P.A. | WI | 539XX | Servicemember | Consent provided | Web | 2018-05-31 | Closed with explanation | Yes | null | 2,923,281 |
2023-04-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$12000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 94591 | null | Consent provided | Web | 2023-04-17 | Closed with explanation | Yes | null | 6,851,083 |
2017-11-16 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | This issue with Bank of America and XXXX.
On XX/XX/XXXX and XX/XX/XXXX transactions were made in error via XXXX to the wrong person.
BOA and XXXX were contacted on XX/XX/XXXX about the error. Both pointed at each other about how to resolve. On XX/XX/XXXXspoke with an agent in the Move Money Dept of Bank of America. Who provided me a claim # and stated it would take 10 days to investigate. On multiple occasions, I have contacted the bank of the error and no one has a process to rectified a human error. I received confirmation today that they are closing the claim and not issuing my funds back into my account. I have email confirmation that this was done in error. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 92131 | null | Consent provided | Web | 2017-11-16 | Closed with explanation | Yes | null | 2,730,559 |
2022-03-13 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | Receivable Management Systems sent me a statement saying that I owe XXXX XXXX XXXX but I do not. I have a XXXX dollar balance with XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | The Receivable Management Services LLC | PA | 15108 | null | Consent provided | Web | 2022-03-13 | Closed with explanation | Yes | null | 5,311,152 |
2019-05-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I was victim of Identity Theft, somebody stole my personal information to open credit cards and get medical care. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33186 | null | Consent provided | Web | 2019-05-23 | Closed with explanation | Yes | null | 3,252,196 |
2021-06-17 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Good evening, My name is XXXX XXXX On XX/XX/2020 I made a purchase of furniture from XXXX XXXX located in XXXX NJ.
When I made this purchase I told the supervisor and XXXX ( a very good sales man bc Ingot convinced ) that I needed to check if this furniture would fit my house since it's a small house. They said there was no problem to make the purchase now and to just call if it doesn't fit to cancel and that there was no problem.
Since I bought it after the store closed I called them the very next day and spoke with XXXX and the supervisor, they said it was fine and that they will call me back. Since I didn't receive a call back I kept calling them leaving a message ( they did not return my calls ) so I wrote them an email ( with no response ) I mention this bc I don't know when the store made SYNCHRONY bank aware of the cancelation.
To make this story shorter.
When I received the first vpicemail from SYNCHRONY bank In XX/XX/2020 I called them and found out I had this debt.
I made the first dispute which they did respond ( only dispute they ever responded ) saying that my dispute was in in store 's favor. Since then I made several disputes and went to the store to get the PROOF OF CANCELATION FROM THE STORE which I sent to the credit card company which is SYNCHRONY bank via fax and I received a letter saying they received the letter.
I have made several disputes with no responses, I have called at least 35 times and spoke with different agents, supervirors and XXXX department with no response, one agent tells me to call the other department, when I call the other department they tell me to call the first department I called. Nobody is ever able to give me information and I have not received letters or information.
This has been going for 16 months. With no help, no advice. I asked them if they need the store to call them or to please tell me what they want me to do to resolve this issue, they said is under dispute and to just " wait ''.
This past week I received a letter saying this debt is closed, when I called to ask what this means they said it meant this credit was sent to the credit bureau.
I feel this bank is just trying to buy time by telling me to just wait every time I call them I have received no help. I don't know who to ask for help.
Attached is proof of the cancelation and the letter I received from the bank.
The cancel receipt states that THE STORE RETURNED THE MONEY TO SYNCHRONY BANK. ( On the right lower corner ) The store supervisor told me the store never received the money from SYNCHRONY Bank, he stated this bank is so bad they no longer to business with SYNCHRONY bank.
Thanks in advance XXXX XXXX Ph # XXXX Email : XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NJ | 074XX | null | Consent provided | Web | 2021-06-17 | Closed with monetary relief | Yes | null | 4,470,083 |
2023-08-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | To whom it may concern : The information you see above is my most current personal information per FCRA and Metro 2 compliance reporting standards. If what you have on file for me doesn't match what's listed, there are problems with either your records or those who provide them for verification purposes. My profile must be accurate and thorough in order to comply with FCRA and Metro 2 compliance regulations. You must furnish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report.
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | VA | 22309 | null | Consent provided | Web | 2023-08-22 | Closed with explanation | Yes | null | 7,439,245 |
2022-03-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to the creditors above requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from any of them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions | null | EQUIFAX, INC. | NY | 10977 | null | Consent provided | Web | 2022-03-17 | Closed with explanation | Yes | null | 5,335,189 |
2021-08-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XX/XX/2021 To : Trans Union Supervisor, Legal Department XXXX XXXX XXXX XXXX, IL XXXX VIA U.S.P.S. TRACKING : XXXX Re : Failure to conduct a reinvestigation ; request for damages under the FCRA To Transunion, On XXXX XXXX, I mailed a letter disputing inaccurate or incomplete information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts : 1 ) XXXX Card XXXX 2 ) XXXX Card XXXX As per U.S.P.S. records, you received my above-mentioned dispute letter on XX/XX/2021. Accordingly, under the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter. Specifically, you received my dispute letter on XX/XX/2021 ; therefore, your response was due on or by XX/XX/2021 I have allowed for 51 days to pass to account for any delays in mailing by the U.S.P.S., but to no avail, it appears that you have willfully failed to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter as required under the FCRA.
As a result of your conduct as described above, you shall promptly delete the disputed information.
Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. Your time period to conduct such a reinvestigation has expired and shall not be extended by law.
Promptly delete the disputed information and send proof thereto no later than 14 days of the date of this letter. Time is of the essence. If you do not timely comply with the requests within this letter, I intend to turn this matter over to a consumer lawyer for consideration of litigating the issue in federal court. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10952 | null | Consent provided | Web | 2021-08-12 | Closed with explanation | Yes | null | 4,624,657 |
2023-10-06 | Checking or savings account | Checking account | Managing an account | Fee problem | I observed charges of {$1.00} per transaction on my bank account, notably on XX/XX/21 and XXXX, along with other occurrences throughout this month. These deductions, totaling {$1.00} for each transaction, have raised concerns about the consistency and frequency of these fees. I would appreciate a detailed breakdown of these charges, seeking clarification on the nature of transactions triggering this fee. Understanding the specifics will aid in managing my finances more effectively and addressing any potential discrepancies. Your prompt attention to this matter is crucial for resolving and preventing further complications with my account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | PENTAGON FEDERAL CREDIT UNION | MD | 21215 | null | Consent provided | Web | 2023-10-06 | Closed with explanation | Yes | null | 7,653,448 |
2016-11-22 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt resulted from identity theft | XXXX was my aunt she stole allmy identity stuff. .id birth certificate social security card everything..i caught her n pressed fraud on her for falsely impersonate me to get dentures ... Please my mom destroyed my credit i was rebuilding n now she doing tbis my aunt | Company believes it acted appropriately as authorized by contract or law | Automated Accounts Management Services | IA | 52405 | null | Consent provided | Web | 2016-11-22 | Closed with explanation | Yes | No | 2,218,863 |
2022-05-24 | 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 | This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | DE | 19720 | null | Consent provided | Web | 2022-05-24 | Closed with non-monetary relief | Yes | null | 5,596,969 |
2022-08-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | Company picked up furniture sold it and put it on my credit report that not one payment was made. Account was sold to a collection agency who dont have no info on it.. | null | V and H Portfolio | IL | XXXXX | null | Consent provided | Web | 2022-08-15 | Closed with explanation | Yes | null | 5,878,826 |
2023-08-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX and XXXX just appeared on the consumer credit report with out having a contract or even consent to furnish private source data information, clear violation of permissible purpose. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | XXXXX | null | Consent provided | Web | 2023-08-04 | Closed with non-monetary relief | Yes | null | 7,353,537 |
2022-07-18 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | I use a cash app cars through Cash app to send money to friends and family. One Transaction, I sent {$2500.00} to my girlfriend. I double clicked and it send 2 transactions of {$2500.00}. On Cash App there is a large button that says cash in, and one next to it that says cash out. Normally I click cash in to receive money from my account. One would think hitting cash out would send it back. This is not what happened. I waited 3 days for the transaction to hit my account. Then I checked my cash app account. I then noticed that when you look deeper in these icons, my cash in had a picture of my bank logo with the last digits of my account. The cash out when looking deeper in the icon ( not shown when you just click it ) just had some dark gray generic looking picture and said account XXXX also in a dark gray wording.
I contacted Cash App questioned this. They told me that the account XXXX was an account I had in New York that I sent my transfer to. I explained that I never had an account in New York nor did I set another account on my cash app other than the account that had my bank logo clearly on it. They told me the date somehow that account what set up. I told them still this was never an account I set up.
They gave me the information to the receiving bank. That came along some kind of code to verify the transactions and stuff. I do not have the banks information anymore because it somehow got lost in my emails. I contacted the bank, they were very helpful. This lady stayed on the phone with me and tried filtering as many ways she possibly could to help me find the money. She explained that all the coded to verify this transaction they gave me were not useful for them. They do not recognize any of them. She also said there was no transfer at all. Now I am calling Cash App back. We are clear where the money was transferred from, but no one is clear now on where it went. The receiving bank said they never received it.
Cash app then did an investigation, told me it would take 10 business days and they will contact me. I contacted them in 12. I received an email stating that my case was closed because they either received an answer from the bank or I did not contact them in 3 days. That made no sense since they told me to wait 10 business days. Contacted them again. They re opened the case. They then sent me an email a couple of days later saying the did and investigation, asked the other bank to send the money back, they declined the request so there was nothing else they could do and that I now on my own have to contact the bank about my money. This made no sense so I contacted them again. They said they would send me the report of everything the investigated in detail to help me get my money back. They never sent it. I then learned that my account was attached to the XXXXXXXX XXXX in Ohio routing number. I questioned this because I felt I should be talking to the bank not them. They said accounts were contracted through XXXXXXXX XXXX and there was nothing that bank could do. I then explained I was quite sure this was a violation of a regulation, my guess would be regulation E. I then asked to be able to speak to their XXXXXXXX XXXX representative since this money came out of an account and routing number attached to their bank. They said i would be wasting my time because XXXXXXXX XXXX has nothing to do with this and there was nothing else they could do when it comes to getting my money back.
I called XXXXXXXX XXXX When you call there, the first thing it does it ask if you are a cash app customer and if are to refer to this other number which was the number I already have. then it says to press XXXX if you are a customer. i did... then it again asked if you are a cash app customer as if they do not want to deal with customers attached to cash app. It then said if not put in your account number to verify you are a customer. I put in the account number that was attached to my Cash app card. It then said leave a message and someone will get back with me. I did this 3 times and not contact from XXXX XXXXXXXX
There were a few other transfers of small amounts as well. I only recognized they were not going in my main account because I looked to see if the {$2500.00} had gotten there. The icons are deceptive. when you only see a cash in button and a cash out button, you would assume they were going to the same place. I am out {$2500.00} and Cash App pretty much said deal with it yourself. I think it is their responsibility. Especially when the receiving bank has no record of the transactions. Below I will leave the information I have.
Cash App attached account number XXXX cash app attached routing number XXXX Bank account attached to XXXXXXXX XXXX Cash App customer support number XXXX cash App customer support email XXXX Date of {$2500.00} transaction XX/XX/2022 claim request # XXXX My name is XXXX XXXX My contact # XXXX Contact Email XXXX XXXX | null | Block, Inc. | IN | 460XX | Servicemember | Consent provided | Web | 2022-07-18 | Closed with explanation | Yes | null | 5,782,763 |
2017-04-28 | Checking or savings account | Savings account | Managing an account | Fee problem | I happened to be online trying to decide if i wanted to use BB & T as a the b ank to deposit a lump sum check. I intending on checking my savings account & accidentally clicked on my daughter XXXX XXXX 's account and seen there was a fee of {$5.00} deducted from the account. I then called the bank and spoke with a rep who stated the address is showing XXXX XXXX XXXX XXXX and she is not sure why the mail has been returned. She then stated that she could refund the {$5.00} fee. I asked is that the only fee because the system does not let me see any other transactions on the acct. I have no access to the past statements. She said she would have the acct forwarded to a specialist to see if there were other fees assessed. About 3 days later i received a call from a lady who stated the account was assessed fees because my kids are the primary on the CUSTODIAN account and they needed to call and update the address. I said to her when i opened the accounts it was through me and the kids were babies and are not aware of making changes, and are not even familiar with what a social security number is so how can they make those types of changes with no ID. I said i just want the fees credited back to the account because i did what i was suppose to do. i advised her that is an error on behalf o f BB & T not me. She said she would have a manager call be to see about getting the fees reversed. I asked her to also look at my son XXXX XXXX XXXX XXXX account as well and see if there were any fees assessed and yes his account received fees also. I have been waitin g 13days to get t his call back and never did. So today i called again spoke with a rep who is now saying the request was never sent because the escalation department forgot to forward the mssg and there was nothing that could be done. After about 15 mins of asking for a manager the re p finally transferred the call to a supervisor ( XXXX w/call XXXX ) who came on the line without reviewing the account and knowledgeless of the accounts issue. When i asked him to speak with a manager or someone other than himself, he di sconnected the call. I then went to the branch location and spoke with XXXX XXXX she was also unable to help or assist me. I am appalled of the efforts of BB & T 's overall r espect to their customers. No person I spoke with in a management role apologized for my inconvenience. I am outraged by the behavior of this bank and the fact that it was their error. But no one is trying to refund my 2 accounts or be help accountable. This is a disgrace coming from a bank that relies on customers to keep the doors open. When i mentioned to XXXX XXXX of closing my accounts she started adding up my balances to close the accounts but not to issue a refund to me for either account. She looked at the accounts and couldnt explain why are there fees charged month to month and this is a custodian account and statements are sent every 3 months. She didnt answer the question she just ignored me to get me out her seat. I am requesting my account be credit the fees debited. A pittiful shame coming from a bank that charges XXXX when an account is overdrawn 4 hours ... ... .... I am requesting credited of {$45. 00} for XXXX XXXX & {$45.00} for XXXX XXXX i am sure the accounts are owed far more than that. I tried waiting on XXXX but he finished a customer and then jumped on a call. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BB&T CORPORATION | FL | 33484 | Servicemember | Consent provided | Web | 2017-05-01 | Closed with explanation | Yes | null | 2,470,431 |
2022-08-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Hello, I have sent multiple dispute letters to XXXX to dispute a Citi Bank credit card account that is showing on my credit report. This is not my account. I have even tried contacting Citi Bank to see what this account is, even offering to pay any balance in hopes to get the collection off my account and they could not provide any information on this account due to them not being able to locate any open or closed accounts with my Credentials. I have tried contacting the collection agency reporting on my profile and they can not locate an account with my name, dob, or ssn. I have been trying to resolve this issue since late February when i first noticed it showing. I have called XXXX to inform them of what is happening, and the representative submitted another dispute that is now showing closed, but no corrections or errors have been updated. Now when i try and call XXXX for an update on the investigation i am unable to get through the automated system to a representative. I am unsure if there is something wrong with the phone lines. I am trying to purchase a home, and this is delaying the process. I can not get help from the Credit card company nor XXXX.
I can be reached at XXXX or by email XXXX Thank you! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | VA | 23803 | null | Consent provided | Web | 2022-08-03 | Closed with explanation | Yes | null | 5,838,936 |
2020-03-24 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | I booked a trip on XX/XX/2019 for the amount of XXXX. This included round trip flights and hotel all inclusive resort for 7 nights. I purchased this vacation and it stated that I would be receiving email shortly with details of trip which I never received. The only thing I received was XXXX XXXX Tickets. During the 6 weeks I spent sending emails, phone calls asking for my hotel voucher that I never received. I explained to them that I called the resort and they have no bookings under my name I called them numerous of times booking place in XXXX and hotel resort in XXXX. I spent nearly 6 weeks begging for my hotel voucher after much frustration I called XXXX and cancelled the vacation. I then proceeded to use a local travel agent to rebook my trip. I then called XXXX XXXX and they explained because my name wasnt on the booking that these flight could be cancelled at anytime. I was advised to not risk it. I then called my creditor Capital One to report fraud that This company took my money booked my airline tickets I was able to confirm but did not book my hotel I was never able to confirm no booking listed at resort. I explained everything to them and capital one advised me they would take care of the fraud and to rebook my trip because it was going to be a 90 day dispute, and if I hadnt rebooked I would have missed my vacation. Capital one also advised me that to make a resolution with them to contact them at the email that was provided to them which I did make several attempts to no one ever responding. I recently talked with capital one and was told that capital one has continued to try and contact this company for over a year now and they cant get anyone to respond either. The capital one service representative stated to me it looks like fraud since no response has been successful. I said I know they never once have responded to any of my emails, and every phone call is their English was terrible so when I called to cancel maybe they didnt understand the word cancel in English. I asked capital one to please provide me a hotel voucher because its a required paper when checking into these hotels and one was never provided. The hotel voucher would be issued from the hotel resort confirming I had rooms there. The whole reason for this dispute is because I wasnt flying 1200 miles without this voucher thats required at check-in. I tried numerous times from booking company to please obtain it and send it. My hotel was never booked. I rebooked after fighting for 6 weeks through a local travel agent and received my voucher within 2 days at the hotel resort as previously requested. I need help my creditor still holding me accountable for a trip I did not receive. I would of never rebooked if travel company could of just gotten me my hotel voucher. I have included a screen shot of my computer that shows the reference number. It also states that an email will be sent with details of purchase ( I never received any email ). I received XXXX XXXX link not hotel voucher ever. | null | CAPITAL ONE FINANCIAL CORPORATION | OK | 746XX | null | Consent provided | Web | 2020-03-24 | Closed with explanation | Yes | null | 3,578,348 |
2022-12-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Nationwide XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX XX/XX/2019 Closed late payments reported XX/XX/2019 XXXX XXXX XXXX 15 USC 1681a the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information is not communicated among such persons ; I am a consumer as defined under 15 USC 1602 ( i ) The adjective " consumer '' used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. | Company believes it acted appropriately as authorized by contract or law | eCon Credit LP | TX | 75068 | null | Consent provided | Web | 2022-12-04 | Closed with non-monetary relief | No | null | 6,278,518 |
2022-11-09 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | I opened a Bank of America XXXX XXXX card in flight. When I got my card I tried to set up payments but it takes 2-3 weeks for a password to be set up in order to create the account to make payments.
I also got a bill in the mail for the {$75.00} annual fee.
I got my password in the physical mail this week. However in order to get payment processed I had to get deposits to my account and report them to bank of America. By the time I could make a payment ( today ) the annual fee is past due making my card unusable and generating an additional fee.
When I called the company and explained that I posted payment ( not processed ) and I could not have made payment any sooner due to their own system of payment, they told me nothing could be done and I needed to pay the fee and wait for payment to clear.
Not only do I have to pay for BoA terrible system of payment, I am unable to use my card and my credit is impacted by a late payment I have no control over. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | OR | 97006 | null | Consent provided | Web | 2022-11-09 | Closed with monetary relief | Yes | null | 6,186,548 |
2023-05-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
PLEASE SEE ATTACHED LETTERS. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 652XX | null | Consent provided | Web | 2023-05-05 | Closed with non-monetary relief | Yes | null | 6,943,238 |
2020-08-21 | Credit card or prepaid card | General-purpose credit card or charge card | Trouble using your card | Credit card company won't increase or decrease your credit limit | This morning I received an email from Capital One to let me know that they reviewed my account and lowered my credit from {$5400.00} to {$1500.00}. At this time I'm carrying a {$0.00} balance trying to keep my debt low because we are in the middle of a pandemic. We have no idea what will happened in the future and I need my credit card for emergency purposes. I'm highly upset right now with Capital One. If you review my account, I've had my cards for over XXXX plus years. I have never been late, EVER!!! Is that how this company takes care of long term/ good customers? Not to mention because Capital One dropped my credit limit ... my credit score will also drop. | null | CAPITAL ONE FINANCIAL CORPORATION | CA | 94534 | null | Consent provided | Web | 2020-08-21 | Closed with explanation | Yes | null | 3,807,210 |
2019-10-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am filing this report because today XX/XX/19 I found out that my personal information was used to open several accounts without my authorization. I have no idea who stole my information or how he/she got a hold of it but I have already filed a police report regarding these unauthorized accounts. I did not participate in any purchases, transactions or payments towards any of these accounts nor did I benefit anything from them being open in my name. I have no relationship with any of the companies I have listed and I never gave them permission to run or access my credit report nor personal information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 94538 | null | Consent provided | Web | 2019-10-02 | Closed with non-monetary relief | Yes | null | 3,393,360 |
2019-02-19 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | Both XXXX XXXX and Midland Credit Management were both actively collecting on the same two duplicate accounts ( they all have different amounts owed listed ) at the same time. I have asked Midland Credit for proof of the debt/ownership and have yet to receive it, yet they still have had time to send me threatening mail and call me continuously. On my XXXX account, it shows that XXXX XXXX, only recently, closed the account on XX/XX/2019, with a pay status of " Current or Paid as Agreed ''. Despite this, Midland Credit has been actively harassing me with phone calls multiple times a day ( every day, including weekends ), that start at XXXX XXXX and go throughout my time at work. They have even sent various letters that threaten to sue me ( to various unverified addresses ) with one being delivered to my old address and signed by somebody else, with no intent to do so. A lot of the times I felt that they have even misinterpreted themselves as legal counsel. I have attached their most recent letter, that I've received, which is threatening legal action, as well as what both creditors have reported to XXXX. The only reason that I have not tried to resolve this issue with them directly is because I feel that this company is untrustworthy, from what I've experienced so far and would appreciate the help of a third party. | null | ENCORE CAPITAL GROUP INC. | TX | 75006 | null | Consent provided | Web | 2019-02-19 | Closed with non-monetary relief | Yes | null | 3,155,899 |
2021-09-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | *** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Equifax Credit Report.
To Whom It May Concern, In the course of recently screening my personal Equifax credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. PLEASE VERIFY LATE PAYMENT HISTORY OF THIS ACCOUNT.
XXXX XXXX XXXX XXXX Account Number : XXXX This account that is being reported late on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards. Therefore please remove all late payments being reporting on this account or I will be forced to file a complaint with the proper authorities for reporting inaccurate information.
2. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX Card Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
3. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
4. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
5. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX Card Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
6. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
7. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
8. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
9. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Equifax credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Equifax, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system. | null | EQUIFAX, INC. | NJ | 07740 | null | Consent provided | Web | 2021-09-09 | Closed with explanation | Yes | null | 4,701,575 |
2017-06-20 | Credit card or prepaid card | Store credit card | Problem when making payments | Problem during payment process | We make our payments early ( paying minimum due bi-monthly plus alittle extra ). All payments are received before the due date. CareCredit ( Synchony Bank ) is penalyzing us for making payments before they mail the bill out. When this happens they are charging us late fees and reporting negatively to the credit bureaus which is a predatory practice. I have never heard of being penalized for not only paying extra but paying early as well. Payments were due on the XXXX of every month and we paid on the XXXX and XXXX of the prior month. CareCredit does not have their act together and as a result the consumer is penalized. We were able to get them to refund the late charges and supposedly fix our credit reports which we will fllow-up on. They also told us that since they incapable of taking payments early that we need to make payments between when the bill is recieved and the due date. The representative could not tell us a good datew to setup our auto-pay. Additionally they kicked us off of the promotional APR with fixed payment amount because of their bogus late fee. We have another account with CareCredit which has a 0 % APR and we pay ahead on this one as well and this account never has an issue with getting late payments for paying early. This clearly tells me that CareCredit is penalyzing customers for paying early on interest accounts because it means its less interest for CareCredit to earn. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | TX | 76244 | null | Consent provided | Web | 2017-06-20 | Closed with explanation | Yes | null | 2,553,619 |
2022-12-05 | Checking or savings account | Checking account | Managing an account | Banking errors | Wells fargo bank cashed a check that was falsely endorsed by someone who isnt me. My stimulus check was sent to me, i never received it then it was cashed by someone in XX/XX/2021. The check is for {$2800.00} .Its absurd that a check would be falsely cashed and wells fargo wont catch on to it. Im beyond upset. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 77042 | null | Consent provided | Web | 2022-12-05 | Closed with explanation | Yes | null | 6,282,273 |
2018-04-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | I do not have exact dates, but I called Equifax to inform them that my XXXX XXXX credit card ; as well as, my XXXX it credit card is not showing and that affects my credit score, I also called the credit card places and filed a complaint as well. There is no problems with my credit cards reporting to the other agencies only Equifax is a problem! | null | EQUIFAX, INC. | VA | 20109 | null | Consent provided | Web | 2018-04-09 | Closed with explanation | Yes | null | 2,869,476 |
2019-09-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This account in the amount of {$3700.00} was placed back on my credit reports after being taken off following an investigation. XXXX XXXX XXXX purchased the account. Previously a police report was presented with this account listed as fraud. All 3 of the credit reporting agencies removed this information from my report. It has now showed up under another name. I did not authorize this account. It was obtained fraudulently and needs to be removed. | null | EQUIFAX, INC. | TX | 77407 | null | Consent provided | Web | 2019-09-19 | Closed with explanation | Yes | null | 3,380,445 |
2021-08-08 | 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 | I have disputed information they are reporting to my credit file and they have not honored my request and have responded to me! This information is affecting my credit scores in a negative way and they are violating FCRA regulations! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 79936 | null | Consent provided | Web | 2021-08-08 | Closed with explanation | Yes | null | 4,612,401 |
2023-05-15 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | My loan is paid up to date and they keep sending collection letters and when I call the amount they say I am past due never changes and keeps dinging my credit and saying that its a problem with their system.. I have proof that its paid. | null | SANTANDER HOLDINGS USA, INC. | NC | 28411 | null | Consent provided | Web | 2023-05-15 | Closed with explanation | Yes | null | 6,978,020 |
2022-10-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33013 | null | Consent provided | Web | 2022-10-11 | Closed with non-monetary relief | Yes | null | 6,067,688 |
2019-06-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Investigation did not fix error on my Equifax credit report. | null | EQUIFAX, INC. | NY | 11704 | null | Consent provided | Web | 2019-06-21 | Closed with non-monetary relief | Yes | null | 3,282,412 |
2022-11-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 34212 | null | Consent provided | Web | 2022-11-16 | Closed with explanation | Yes | null | 6,209,496 |
2022-07-30 | 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've been a victim of capital one data breach, I've had over 29 mortgages attempted to be get a loan in my name dozens of inquiries about me searching and applying for credit, two fraught XXXX bank accounts opened At XXXX XXXX bank I got five XXXX debits cards in one week and someone applied for a credit amcard got approved in my name, so because of this data breach, I think people have my information I've contacted tge credit unions and XXXX XXXX XXXXXXXX but how do I make it all stop I wanted to get a buisness loan to start a buisness but can't even get approved because there's so many accounts being searching for loans I get calls from a certain phone number, it's tge same prefix as mine, when I answer it they don't say nothing, so I hang up and block the call, about three minutes later, it's tge same prefix and it's just a different 4 number ending In, and they called 60 times in a house after me blocking each individual call, they will leave me messages humming in to my voicmail, I have student loans that I've never went to collage, and I can't seem to get any help nowhere and can't afford to hire someone to help, so all these data breaches I'm in apparently XXXX capital one and XXXX was the start of all this back in XX/XX/2019, and ever since then my identity and everything else went to XXXX, how are you supposed to survive in this world when 99 out of 100 people are out to get you, I don't know if you cam help but let me know whst you think I shoukd do, thanks and I'm tryingbto start a business and can't even get that so I need to know which dirrevmctiom to go, thanks | null | CAPITAL ONE FINANCIAL CORPORATION | IL | 620XX | null | Consent provided | Web | 2022-07-30 | Closed with explanation | Yes | null | 5,826,238 |
2023-02-22 | Checking or savings account | Savings account | Closing an account | Funds not received from closed account | I opened an online savings account on XX/XX/2023 in the amount of {$50.00}.
This was the second savings account I have opened.
A week later, Truist bank locked my online account access.
I called the number provided and spoke with several people.
They told me I would have to travel 2,000 miles from my home to close the newly opened savings account.
RESOLUTION Change policy and procedures to best reflect online banking and not have a customer travel outside her home/state to do business.
This defeats the purpose of online banking. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | AZ | 856XX | Older American | Consent provided | Web | 2023-02-22 | Closed with explanation | Yes | null | 6,604,172 |
2020-08-07 | 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 | I've recently been in contact via mail with all three of the major consumer reporting agencies as of XXXX 2020 regarding fraudulent established accounts reporting on my credit file. I have received correspondence from XXXX, but both XXXX and Experian has not sent any updated copies of my credit report as I am entitled to under the Fair Credit Report not provided any reasonable investigation nor sent out any results from several disputes. Several addresses that I requested to be updated still remain on my credit file and its been over 60 days from my initial request. Under the Fair Credit Reporting Act this is a violation and Experian must be held accountable. I have not received any return mail so I can only assume my dispute were received and have gone un answered. I have been denied credit due to the inaccuracies currently reporting and find these negligent actions unacceptable. PLEASE BE ADVISED THIS IS NOT A REQUEST FOR VALIDATION, AT THIS POINT THESE DISPUTED ACCOUNTS MUST BE REMOVED DO TO NO RESPONSE FROM NEITHER EXPERIAN OR EQUIFAX. PLEASE DO NOT REQUEST OR DENY MY REQUEST DUE TO YOU NOT HAVING ANY ACCOUNT INFO TO GO BY SINCE I'VE ALREADY CLEARLY SENT IN A WELL DOCUMENTATED DISPUTE LETTER WITH SPECIFIC DETAILS OF ACCOUNT NAME, NUMBER, AMOUNT, AND ETC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AR | 72076 | null | Consent provided | Web | 2020-08-07 | Closed with explanation | Yes | null | 3,783,838 |
2017-06-21 | Vehicle loan or lease | Loan | Problems at the end of the loan or lease | Problem with paying off the loan | Hello, back in XXXX I called Chase Auto Finance to settle the remaining balance on my XXXX XXXX XXXX. Before we proceeded with the call, I was told I was on a recorded line. I talked to the representative who was handling my file. All of my files had been transferred to their credit processing center. On a previous call the representative told my husband and I that Chase was willing to settle for half of the amount owned on my auto loan in exchange for the title of the vehicle. In XXXX I called to settle gave the representative my bank account info and the money was processed out of my checking account. I took more than 30 days to receive my title for my car. To make matters worst, I check my credit report Chase did not report that my account was settled/paid. It still shows me owning a balance, and they updated my report and re-aged my account!! This is not right nor is it fair! I called to speak with them about my situation and all I got was " I do n't handle that ''. I called Chase trying to at least settle what I could afford to move on. I 'm rebuilding my credit and having this on my credit reports hurts my chances of getting approved for any future products and services. I have attached my bank statement reflecting the payment to Chase Auto Finance | null | JPMORGAN CHASE & CO. | MD | 21061 | null | Consent provided | Web | 2017-06-21 | Closed with non-monetary relief | Yes | null | 2,554,831 |
2022-07-19 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | My loans were rehabilitated into a XXXX XXXX XXXX Loan over 10 years ago. I was told at that time that my loans would be eligible for discharge and/or forgiveness. I was granted a Total and XXXX XXXX XXXX approximately XXXX years ago, but my loans were never discharged from the Consolidation Loan. The other party on the loan has been working in a low-income, PSLFXXXX XXXX for over 10 years and should have had her portion forgiven under Public Service Loan Forgiveness XXXX but she has repeatedly been denied. Every time I have inquired about the XXXX XXXX and the PSLF rejections, no one seems able to explain why any of this is happening or how to fix the problems. | null | EdFinancial Services | MN | 55418 | Servicemember | Consent provided | Web | 2022-08-12 | Closed with explanation | Yes | null | 5,788,400 |
2017-07-08 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I will be looking for any other outlets I can report this company with. Normally, I do n't even bother writing reviews, but the service of this company is so poor that I felt obliged to. Like others, in the beginning I had received the 2 months past due warning without ever receiving information on how or where to pay, or even getting a first notice. But by far the worst part is the atrocious website they have. I am going to attempt to contact any of their managers and challenge them to take a person off the street and have them navigate the payment info on their site. Let me clearly state the flaws ; problems that any respectable company would fix immediately : 1 ) There are issues setting up recurring payments, where is does n't accept the pay date.
<P/>
2 ) If you set up a recurring payment, good luck trying to figure out how to cancel it. I had to call the representative on the phone to cancel my payment so that I could use a different bank account. And even then they made me go back to the website to fill out the new info, which was still not accepted.
<P/>
3 ) Ca n't find any billing information besides how much I have paid each month. I am an engineer, and I ca n't find my billing information on this website. Why on Earth would you not give people info like which bank they are paying from, or billing address, or anything.
<P/>
4 ) Since you ca n't see which recurring payments you have, it is possible and very easy to accidentally set up multiple recurring payments. I have been double charged because of this in the past.
<P/>
May XXXX help you if you are like the rest of us and have to deal with this company. | null | HEARTLAND PAYMENT SYSTEMS INC | AZ | 85641 | null | Consent provided | Web | 2017-07-08 | Closed with explanation | Yes | null | 2,568,622 |
2020-11-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | My XXXX lease account payments have been paid in full, But the account is still showing a balance on my report of {$1300.00}.
This {$1300.00} is false and I have no more lease payments open on my lease | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 115XX | null | Consent provided | Web | 2020-11-02 | Closed with explanation | Yes | null | 3,930,989 |
2023-05-08 | 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 | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89148 | null | Consent provided | Web | 2023-05-08 | Closed with non-monetary relief | Yes | null | 6,938,548 |
2022-07-04 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | Signed up for aligners with XXXX XXXX XXXX, after one month my dentist advised my to cancel and return them due to dental procedure that needed to be done. I paid {$320.00} and cancelled my order. XXXX XXXX XXXX stated once the aligners are received in there warehouse order would be completely cancelled. Later, I receive bill from AMERASSIST AR SOLUTIONS on behalf this account that was cancelled. I contacted XXXX XXXX XXXX informing them of the situation and they request my tracking number of the package they thought wasnt received and found it. they prompted AMERASSIST that the account is current and not owed. AMERASSIST til this day harasses me for payment of something they have a canceled order for.
-This company has violated my rights from even try to even settle this account that is actually canceled and they refused to.
-Threaten to seize property from me.
-I spoke to an employee and they said send the receipt to operations and they'll cancel it. the employee sheena ( I wont put her full name ) disregards the canceled order and is still ordering me to pay.
-I requested this company to verify the debt they dont want to.
-I requested the company stop contacting me they disregard. | Company believes complaint represents an opportunity for improvement to better serve consumers | AmerAssist A/R Solutions, Inc. | FL | 33020 | null | Consent provided | Web | 2022-07-04 | Closed with explanation | No | null | 5,733,128 |
2023-05-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | My consumer report has inaccurate information reporting | null | EQUIFAX, INC. | TX | 75024 | null | Consent provided | Web | 2023-05-28 | Closed with non-monetary relief | Yes | null | 7,039,838 |
2017-12-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | In XXXX XXXX, my wallet was stolen while I was visiting my grandmother in XXXX, TN. I noticed fraudulent charges on my Key Bank XXXX even though the card was PIN protected. I immediately reported this to Key Bank. They assured me that they would get this resolved and I was advised by the service representative to not make any payments - until I received confirmation via mail that the charges had been cleared. I never received any sort of confirmation and it is now XXXX. In lieu of the confirmation, I did receive two late charges of increasing value ( I was able to get the first one waived ). In addition to these fantastic gifts from Key Bank, I also began to receive phone calls from their debt collection department saying that my account was delinquent. Last week, I explained in detail to the collections representative ( XXXX ) the aforementioned series of events, and I informed her that I have no issue paying my debt - so long as Key Bank did not report my account as delinquent to the credit bureaus. She agreed to note that in my account details, and said that - as long as I paid the payments for XXXX and XXXX XXXX ( totaling {$160.00} ) - my account would be in good standing and not to worry. Well I paid {$200.00} XXXX Im no mathematician, but Im pretty sure thats {$39.00} more than my overdue balance ). Okay great, so thats the end of that right? WRONG. I log into my credit reports this morning, XXXX XXXX XXXX, and notice that my credit scores had dropped by XXXX and XXXX points since XXXX XXXX XXXX. After some investigation as to why this has happened, I discovered that Key Bank has listed my XXXX as XXXX days overdue. I call Key Bank again with two directives - waive this usurious late charge and correct the status of my account. After many transfers and long holds, the service representative ( XXXX ) advised me that theres no account notes, nothing she nor her supervisor can do, and to contact the dispute department when they open on Monday. Im nonplussed honestly. I went from having good credit to poor - right before I plan to move across country, and get an apartment. How am I supposed to do that now with poor credit? In addition to all of this, I cant even see my account balance. When I go to check it online, it just shows XXXX XXXX XXXX [ **** ] XXXX paydown to {$0.00}.!! DO NOT DO BUSINESS WITH KEY BANK!! | null | KEYCORP | IN | 46112 | null | Consent provided | Web | 2017-12-09 | Closed with explanation | Yes | null | 2,750,672 |
2019-09-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I recently pulled my credit report and i have a number of inquiries on my Equifax credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights. I have added a fraud alert on my account during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. I would like these fraudulent inquiries deleted from my credit file immediately XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX | null | EQUIFAX, INC. | PA | XXXXX | Servicemember | Consent provided | Web | 2019-09-13 | Closed with non-monetary relief | Yes | null | 3,373,260 |
2020-07-21 | 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 | On XX/XX/20 I received a inquiry on my Equifax credit report from XXXX XXXX and XXXX XXXX XXXX XXXX. These inquires came after personal items were stolen on XX/XX/20 and were not made my me. I filed a dispute with Equifax and also tried to reach out to XXXX XXXX and XXXX with no success. | null | EQUIFAX, INC. | AZ | 85281 | null | Consent provided | Web | 2020-07-21 | Closed with explanation | Yes | null | 3,756,451 |
2021-02-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}.
Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 92509 | null | Consent provided | Web | 2021-02-04 | Closed with explanation | Yes | null | 4,117,668 |
2017-05-03 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | **This is not a duplicate Complaint** Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuan t to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. <P/> CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor where in he/she ag reed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. <P/><P/> Please provide the name and address of the bonding agent fo r Credit Systems International , Inc. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. | null | Credit Systems International, Inc. | TX | XXXXX | null | Consent provided | Web | 2017-05-03 | Closed with explanation | Yes | null | 2,474,461 |
2022-06-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.
15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
They also violated my rights numerous times.
The credit bureaus violated my given rights under 15 USC 1681.
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19050 | null | Consent provided | Web | 2022-06-17 | Closed with explanation | Yes | null | 5,678,863 |
2022-12-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32714 | null | Consent provided | Web | 2022-12-21 | Closed with non-monetary relief | Yes | null | 6,347,977 |
2018-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am contacting your agency because I am having a tremendous problem with all 3 major credit bureaus inaccurate credit reporting which is affecting my credit scores. I am a victim of identity theft and I have made these companies aware of the situation but yet and still they keep allowing fraudulent credit inquiries on my credit report which lowers my score normally this happens right after I report the credit agencies to your company for falsely reporting on me. Please force these companies to remove the fraudulent inquires off my credit reports and raise my score to where it is supposed to be. Because these inquires I am going to list do not belong to me and I had no knowledge of XXXX/XXXX Inquiry : XX/XX/XXXX XXXX also destroyed my credit there were two applications that were done and it's fraud please remove it off my credit report I am supposed to be called to verify information when someone applies for credit in my name because someone has stolen my identity XXXX XXXX XXXX/XXXX ( XXXX ) XXXX And these accounts listed below are also fraud XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX/XXXX Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX + {$420.00} Closed Hide closed ( 3 ) And I want these removed at once because they do not belong to me and are fraudulent | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 14606 | null | Consent provided | Web | 2018-06-16 | Closed with explanation | Yes | null | 2,937,987 |
2023-08-10 | 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 | Credit Inquiries From Unknown Sources | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33169 | null | Consent provided | Web | 2023-08-10 | Closed with non-monetary relief | Yes | null | 7,381,621 |
2022-10-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter on XX/XX/XXXX, to removeitems that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; DEPT OF ED XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77095 | null | Consent provided | Web | 2022-10-31 | Closed with non-monetary relief | Yes | null | 6,149,040 |
2018-11-02 | Debt collection | Other debt | Communication tactics | Frequent or repeated calls | Called me 16 times in 2 minutes. Ask me to pay speeding ticket which I paid on time 10 years ago. Ask me to show proof. Who keep receipt of speeding ticket for 10 years. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | MVBA, L.L.C. | TX | 75088 | null | Consent provided | Web | 2018-11-02 | Closed with explanation | No | null | 3,064,271 |
2023-03-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove them immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60202 | null | Consent provided | Web | 2023-03-17 | Closed with non-monetary relief | Yes | null | 6,712,045 |
2022-07-24 | 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 | Since XXXX I was reviewing my credit report and a bank that I had opened in the past closed AND CHARGED OFF for an overdraft amount that is different from the balance that the Credit Union is reporting to the Credit Bureau. This was a checking and savings account and there was NEVER A LOAN THERE WAS NEVER AN ACTIVE TRADELINE ON THIS ACCOUNT. and for years it continues to report a balance and CO when in fact this was a checking account.
On XX/XX/22 I sent letters requesting a proper and fair investigation XX/XX/22 XX/XX/22 The account is CLOSED this means the account has not been properly verified. I provided proof and also followed up requesting that they look into this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MA | 01604 | null | Consent provided | Web | 2022-07-24 | Closed with explanation | Yes | null | 5,804,930 |
2023-05-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 34746 | null | Consent provided | Web | 2023-05-31 | Closed with explanation | Yes | null | 7,045,310 |
2022-09-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Submitted complaint to Lexis Nexis XX/XX/XXXX because it is reporting Public Record information that it purchased from XXXX, a system of record used by the bankruptcy court. On XX/XX/XXXX, it provided a letter stating the information was " verified '' because it the information still shows in XXXX. Lexis Nexis has failed to contact the originator of the information to verify the information. XXXX is not the originator of the information, the Court of Record is. Lexis Nexis continues to violate my rights protected under The Privacy Act of XXXX and the Fair Credit Reporting Act.by reporting inaccurate and derogatory information about consumers, failing to maintain policies to ensure the accuracy of the information they report and failing to properly investigate disputes. | null | LEXISNEXIS | TX | 75243 | Servicemember | Consent provided | Web | 2022-09-03 | Closed with explanation | Yes | null | 5,946,619 |
2022-10-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/XXXX and I am yet to get a response Regarding this debt from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation. | null | EQUIFAX, INC. | NJ | 071XX | null | Consent provided | Web | 2022-10-28 | Closed with explanation | Yes | null | 6,135,115 |
2021-03-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I already reached out to the credit bureaus and to DISCOVER FIN SVCS LLC, and notify them of their recent study along with the missed payments pertaining to the account number XXXX on my report. I requested an investigation and the correction of the information. No changes were made. I informed them that this company was violating the Fair Credit Reporting Act yet they did nothing to correct the matter. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report. | null | DISCOVER BANK | PA | 190XX | null | Consent provided | Web | 2021-03-09 | Closed with explanation | Yes | null | 4,195,166 |
2018-12-31 | Debt collection | Auto debt | False statements or representation | Attempted to collect wrong amount | I have an auto loan with XXXX XXXX XXXX.My payments are not behind. When I made the last payment there was no late charges shown on my account. I got my XXXX Statement and the was a late charge of $ XXXX.Surprised today to see that they included the XX/XX/XXXX payment with the current payment for XX/XX/XXXX together. This is illegal to do since XXXX is not here. Then they locked my account and I was unable to do the correct payment on line.
I need assistance with this company since they are unfair with their credit practices.
The correct AMOUNT DUE FOR THE MONTH OF XXXX IS {$700.00} SINCE XXXX WAS PAID.
THE XX/XX/XXXX STATEMENT HAS NOT BEEN DONE! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FC HoldCo LLC | LA | 70460 | null | Consent provided | Web | 2018-12-31 | Closed with explanation | Yes | null | 3,113,790 |
2023-07-25 | 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 | The FCRA clearly stipulates that credit bureaus must take reasonable measures to ensure the accuracy of the information they report. This includes the responsibility to investigate and verify the legitimacy of accounts when a consumer disputes their accuracy. To my astonishment, I have submitted multiple disputes to the credit bureaus regarding the accounts in question, providing all relevant evidence and documentation to support my claims. However, instead of conducting a thorough investigation and validation process, the credit bureaus have consistently responded by merely verifying the information with the original creditors without proper validation procedures.
This failure to validate the disputed accounts has resulted in serious consequences for me, including a significant drop in my credit score and the denial of credit applications. I firmly believe that the inaccuracies on my credit report are unjustly tarnishing my creditworthiness and causing undue financial hardship 1st Notice Presentment by Certified Mail : Presentment by Affidavit of Status for Consumer Private Right of Action ; Notice and Preemption Claim. Sent XX/XX/2023 2nd Notice Presentment by Certified Mail : Notice to Cure. Sent XX/XX/2023 3rd Notice Presentment by Certified Mail : Notice of Default Judgement and Commercial Dishonor. Sent XX/XX/2023 2023 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85206 | null | Consent provided | Web | 2023-07-25 | Closed with non-monetary relief | Yes | null | 7,295,718 |
2022-03-21 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Information belongs to someone else | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. | null | EQUIFAX, INC. | FL | 328XX | null | Consent provided | Web | 2022-03-21 | Closed with explanation | Yes | null | 5,346,521 |
2022-08-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | I unable to obtain a copy of my consumer report, I requested it three months ago, and still have not received it. | Company believes it acted appropriately as authorized by contract or law | Giact Systems, LLC | PA | 180XX | null | Consent provided | Web | 2022-08-10 | Closed with explanation | Yes | null | 5,862,860 |
2023-10-02 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | NY | 11375 | null | Consent provided | Web | 2023-10-02 | Closed with explanation | Yes | null | 7,627,653 |
2018-09-06 | Vehicle loan or lease | Loan | Managing the loan or lease | Problem with the interest rate | My complaint relates to interest and excessive late fees.
On the interest rate issue, the contract my wife and I signed on XX/XX/XXXX stipulated that the total payments ( interest and principal ) will be {$33000.00} ( XXXX * XXXX ). See attached copies of the contract. For the last payment, Honda made us pay {$600.00} ( see the attached Finance Account Overview ). Instead of paying a total of {$33000.00} as stipulated in the contract, we ended up paying {$33000.00}.
I called Honda on XX/XX/XXXX to inquire why {$600.00} and not the {$560.00} we have been paying since XX/XX/XXXX. The Honda representative I spoke with stated that it had to do with interest. What interest? She gave a convoluted answer. When I requested to speak with a supervisor, she declined.
On the excessive late fees, I have written to Honda executives ( here in the US and XXXX ) to waive the fees. All my correspondences and request fell on deaf ears. | null | AMERICAN HONDA FINANCE CORP | TX | 75154 | Servicemember | Consent provided | Web | 2018-09-06 | Closed with monetary relief | Yes | null | 3,012,098 |
2020-01-16 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I was notified in XXXX by Synchrony that a charged was placed on the XXXX/XXXX Live/name-of-the-moment card I had with them. I did NOT place any orders and did not receive any items.
Filed a fraud claim with them, which they rejected multiple times, claiming product was delivered. I disputed this, stating I neither ordered nor received anything. As requested by them I filed a police report and signed an Affidavit of Fraud ( and got it notarized ) saying I did not order nor receive anything.
Despite multiple rounds of appeals, company is still claiming I received goods and is refusing to honor the fraud claim. I have complied with all of their steps ( 4 separate rounds! ) to get this fraud processed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NC | 27703 | null | Consent provided | Web | 2020-01-16 | Closed with explanation | Yes | null | 3,497,917 |
2022-11-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Made a request to have late payment incorrectly posted by XXXX XXXX XXXX XX/XX/2018 removed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92801 | null | Consent provided | Web | 2022-11-04 | Closed with non-monetary relief | Yes | null | 6,164,656 |
2023-08-29 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company believes it acted appropriately as authorized by contract or law | SLM CORPORATION | MS | 39180 | null | Consent provided | Web | 2023-08-29 | Closed with explanation | Yes | null | 7,469,733 |
2023-01-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I WOULD TO LIKE TO FILE A COMPLAINT AGAINST EXPERIAN. THEIR NEGLIGENCE HAS CAUSED ME SUFFERING AND TARNISHED MY REPUTATION. I HAVE ATTACHED EVIDENCE FOR MY COMPLAINT, WHICH GOES INTO FURTHER DETAIL. MY RIGHTS HAVE BEEN VIOLATED NUMEROUS AMOUNT OF TIMES. EXPERIAN HAS SHOWN NO EFFORT NOR CARE FOR THEIR WRECKLENESS. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19124 | null | Consent provided | Web | 2023-01-10 | Closed with explanation | Yes | null | 6,414,036 |
2023-07-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60623 | null | Consent provided | Web | 2023-07-28 | Closed with explanation | Yes | null | 7,317,215 |
2021-07-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19122 | null | Consent provided | Web | 2021-07-28 | Closed with explanation | Yes | null | 4,579,968 |
2023-07-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 70508 | null | Consent provided | Web | 2023-07-21 | Closed with non-monetary relief | Yes | null | 7,287,460 |
2023-01-19 | Checking or savings account | Checking account | Managing an account | Cashing a check | XXXX XXXX, 3 checks were stolen from the post office. XX/XX/2022, one check was washed. The check was for a credit card payment. The payee name was changed to an individual and cashed. XX/XX/2022 another check was washed and cashed. Both the payee and the amount were changed which put the checking account into overdraft leaving my account balance of almost a minus {$1000.00}. When Wells Fargo notified us by mail that we were in overdraft and lost almost {$8000.00} in funds, the account was closed before the third check could be cashed. An affidavit was filed with the bank, a report was filed with XXXX police and the post office was notified. Wells Fargo stated that it would take 10 days to resolve the issue. The bank has confirmed that fraud took place but as of today has not refunded the money or offered provisional credit. Wells Fargo now states that it could take 120 days to make a decision with no guarantee of refund. This information is nowhere to be found in any literature given for this type of account. I have complied with every request from Wells Fargo with no result. From the little research done I have found that Wells Fargo is treating thousands of their customers in the same way in hopes that they give up on trying to get money that is insured back to accounts held at the Wells Fargo. Please help as I have no other recourse at this time. Any suggestions that could assist in the matter would be greatly appreciated. Thank you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | PA | 19335 | Older American | Consent provided | Web | 2023-01-19 | Closed with explanation | Yes | null | 6,458,434 |
2023-07-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Please remove the incorrect addresses from my credit file.
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 291XX | Servicemember | Consent provided | Web | 2023-07-24 | Closed with non-monetary relief | Yes | null | 7,294,159 |
2018-04-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Under the FCRA I, XXXX XXXX request that LexisNexis immediately notify XXXX, XXXX, & XXXX of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per LexisNexis, XXXX XXXX has the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ). | null | LEXISNEXIS | NC | 28314 | null | Consent provided | Web | 2018-04-27 | Closed with explanation | Yes | null | 2,889,372 |
2022-10-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I discovered that some of the information and inquiries on my credit report were incorrect when I reviewed it. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Here is the list of unknown items that must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ Date Updated : XX/XX/XXXX ; EXPERIAN XXXX XXXX XX/XX/XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX EXPERIAN XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85260 | null | Consent provided | Web | 2022-10-17 | Closed with non-monetary relief | Yes | null | 6,094,268 |
2020-06-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | Mortgage lender can not pull my credit report form Equifax. Has tried multiple times. The first on XX/XX/20, XX/XX/20, and again on XX/XX/20 She is getting a message saying " input SSN mismatch : does not match what Equifax has on file.
I spoke with Equifax for 2 hours on XX/XX/20. They assured me they had the same information and erased an alert on my account. They told me my lender should have no problem pulling my report going forward. However the next day she got the same message. XXXX and XXXX come through fine.
This issue is holding me up from getting approved for a mortgage. | null | EQUIFAX, INC. | CT | 060XX | null | Consent provided | Web | 2020-06-18 | Closed with explanation | Yes | null | 3,705,007 |
2023-08-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | 45241 | null | Consent provided | Web | 2023-08-17 | Closed with explanation | Yes | null | 7,414,059 |
2020-08-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXXXXXX XXXX XXXXXXXX {$740.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX {$420.00} XXXX XXXXXXXX {$700.00} XXXX XXXXXXXX {$630.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$700.00XXXX XXXX XXXX XXXXXXXX {$250.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXXXXXX {$1100.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 713XX | null | Consent provided | Web | 2020-08-03 | Closed with explanation | Yes | null | 3,777,028 |
2020-11-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE.
INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020 | null | EQUIFAX, INC. | NY | 10027 | null | Consent provided | Web | 2020-11-28 | Closed with explanation | Yes | null | 3,978,950 |
2018-08-29 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | I had a balance on a US Bank credit card of {$5200.00}. An auto payment of {$200.00} was just cleared on XX/XX/XXXX. I made a payment online for the balance of {$5200.00}. Once that payment cleared, I called the company and asked for my account to be closed. It was successfully closed.
Today is XX/XX/XXXX and lo and behold I receive my statement. I open it expecting a big fat XXXX for balance due, but to my surprise, there was a balance of {$14.00}.
What?
I called the company and supposedly they were charging me interest DAILY for a cash advance. If that were the case, why wasn't that additional {$14.00} shown on my balance due online? I understand MONTLY statements showing MONTHLY charges, but a website can literally be updated every SECOND. Why wasn't the additional charge reflected in the balance?
Why would anyone think about, check up on, or follow up on an account after it had been PAID IN FULL and CLOSED? What if I hadn't noticed this new bill for {$14.00}? What if a month went by, then another then another without me knowing about it. Meanwhile, US Bank is charging me interest on the interest on the interest. You could see where this could create problems.
This seems VERY DECEPTIVE to me, bordering on illegal, that not only did the website not reflect the most up-to-date balance due, but that at no point during the process of me closing the account was I ever MADE AWARE OF the upcoming daily interest charge. Why would they not tell me at the time I was closing my account that I had the option of paying off the current daily interest charge.
Today I called their one of their reps, asked why the full balance wasn't reflected on the website and reminded her, at least four times, that I paid the total balance due as it was reflected on my last statement, which was the same exact number reflected on their website. She finally offered to looking into getting the fee waived. She was able to.
I asked for an email notice reflecting this waiving. She said it would be reflected on my next statement. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | TX | 78504 | Servicemember | Consent provided | Web | 2018-08-29 | Closed with explanation | Yes | null | 3,004,975 |
2023-09-04 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33615 | null | Consent provided | Web | 2023-09-04 | Closed with non-monetary relief | Yes | null | 7,496,399 |
2019-03-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I spoke with XXXX in XX/XX/XXXX and XX/XX/XXXX 2018 about removing the 30 day late. After a conversation with the woman she agreed to remove the 30 day late. I noticed in XX/XX/XXXX this still was not removed and reached out to XXXX. they said they had assured me it was removed and to wait for the credit buruea department to update. Following up in XX/XX/XXXX I wrote a letter to have the said item removed. I just received a response stating that the item is accurate despite numerous conversations with them stating they had it removed from the credit bureau. Please help! | null | EQUIFAX, INC. | CA | 945XX | null | Consent provided | Web | 2019-03-22 | Closed with non-monetary relief | Yes | null | 3,187,661 |
2018-12-26 | 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 are a few inquiries on my report that I am disputing with the 3 national credit agencies. All three have stated I need to get in contact with the companies directly to request a dispute and get them to update to the credit bureaus to have item removed if inaccurate.
Why do I need to have them update when the bureaus should do the investigating?
Next, I have called the companies and have sent letter already attempting to verify the information.
Please have the 3 credit agencies remove the following inquiries : XXXX XXXX inquired on XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 76542 | null | Consent provided | Web | 2018-12-26 | Closed with explanation | Yes | null | 3,109,535 |
2020-06-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Today XX/XX/2020 I was made aware of a few accounts on my credit report that do not belong to me. The accounts are from these companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. I have never opened an account with any of these companies nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts. I do not have any written/verbal contract with these companies and I never allowed them to run my credit. I don't know who is responsible for opening these accounts without my authorization but I have already filed a police report in hopes of getting my name & credit reputation cleared. | null | EQUIFAX, INC. | CA | 94112 | null | Consent provided | Web | 2020-06-30 | Closed with explanation | Yes | null | 3,723,609 |
2018-11-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have disputed the information through XXXX XXXX in XXXX of XXXX is order for this information to be removed from my credit report. I have contacted a credit counseling agency and they will send letters to the credit bureaus to remove the information from my credit report. Basically someone has used my social security number to obtain student loans in my name. I was XXXX from XX/XX/XXXX through XX/XX/XXXX. I did not graduate from high school therefore I do not qualify for student loans and I have never attended a college or university. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 36605 | null | Consent provided | Web | 2018-11-08 | Closed with explanation | Yes | null | 3,069,808 |
2021-11-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On XX/XX/2021, I received a credit monitoring alert that a hard inquiry hit my credit report from Comenity Capital /IDD . I immediately called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name. After speaking with a customer service representative, they informed me they would investigate it and have it removed. However, it is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries.
I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation.
I have made an attempt to dispute this fraudulent inquiry with XXXX on XX/XX/2021 and they responded with the dispute results as of XX/XX/2021 that " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' However, this inquiry is NOT factual and I'd like it removed. | null | Bread Financial Holdings, Inc. | MI | 48203 | null | Consent provided | Web | 2021-11-03 | Closed with non-monetary relief | Yes | null | 4,870,666 |
2021-08-20 | 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 PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF INQURIES
ON MY REPORT. THE COMPANY IS IN VIOLATION OF:
15 USC 1681 (a)(k)(iii)
15 USC 1681 (b)
15 USC 1681 (b)(a)(2)
15 USC 1681 (2)(a)
15 USC 1681 (c)(2) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11717 | null | Consent provided | Web | 2021-08-20 | Closed with explanation | Yes | null | 4,650,032 |
2018-07-07 | Credit card or prepaid card | Store credit card | Struggling to pay your bill | Credit card company won't work with you while you're going through financial hardship | Due to hardship, financial situations and a XXXX in the family it shows that I have a late payment for Kohls. I dont recall having a late payment. Im trying to remove the late payment from my credit. I have been on time with every payment making double payments or more and I still cant get an increase with Kohls. Please remove the late payment from my credit report so I can move forward. Ive tried writing letters and even cool down but still cant get an answer. | null | CAPITAL ONE FINANCIAL CORPORATION | TX | 76063 | null | Consent provided | Web | 2018-07-07 | Closed with explanation | Yes | null | 2,956,591 |
2019-05-29 | 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 | Somebody used my personal information and tried to open credit cards. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. | null | EQUIFAX, INC. | FL | 33009 | null | Consent provided | Web | 2019-05-29 | Closed with non-monetary relief | Yes | null | 3,257,343 |