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2019-02-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I applied for mortgage payment modification XX/XX/XXXX, received notification for trial modified payments starting XX/XX/XXXX for four months trial, paid modified payment all four months on time or early. Modification not completed and told each month to just keep making the modified payments, nothing more for me to do.I received a letter XX/XX/XXXX stating that I would be notified within 30 days or less of approval or denial. Long story short ... all required modified payments paid and accepted until the modification was denied XX/XX/XXXX ( year later ) I paid the required and accepted modified payments from XX/XX/XXXX to XX/XX/XXXX, on time or early each month. It was no of fault of mine that the modification did not go through and the negligent practice of the mortgage company kept the process going for over a year before being denied then reporting my credit as behind the whole year. I have been unable to refinance the mortgage because of this report, even though I was required and paid back all of the differences in the payment vs the modified payments for that year. I was reported as late or missing payments for the whole year of XX/XX/XXXX-XX/XX/XXXX and that is not accurate information, I paid the required and accepted payments each and every month, without being late or missing any payments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | UT | XXXXX | null | Consent provided | Web | 2019-02-19 | Closed with explanation | Yes | null | 3,155,716 |
2019-05-15 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | I opened a HELOC account with Citizens bank XXXX. When I opened the HELOC, I was told that by opening a checking account and Overdraft protection ( ODP ) account, I could lower the HELOC interest rate and chose to open both of these accounts XXXX as well. Every month I transferred {$250.00} from my XXXX checking account to my Citizens checking account, and established an automatic monthly transfer from the Citizens checking account to the HELOC. I did not use the Citizens checking account for any other purpose and never made any withdrawals ( other than the HELOC payment from it ). I monitored my Citizens account on-line and by using the Citizens App. Both on-line portal and the App told me that I had a {$0.00} balance for my ODP - One Deposit Checking Account until XXXX ( more on that below & screen captures available or uploaded to this complaint ). I did receive statements periodically however, all of the paper statements arrived in large font with lines that ran off the page making them essentially illegible.
I received a phone call that asked me to contact Citizens bank about an urgent notice and stopped at a branch close to work on Thursday, XXXX. During that visit, I paid the balance owed on my HELOC and learned for the first time that the Citizens bank ODP account had a {$1000.00} payoff amount. I showed the teller that according to the Citizens App, my ODP account had a {$0.00} balance and made a screen capture for my records. The teller gave me a phone number to contact however, between work responsibilities and being transferred to other departments at Citizens, I didnt talk with an actual person that could help me until Saturday XXXX. On XXXX I spoke with XXXX ( employee # XXXX ) who stated that he was a Manager within the Citizens bank collections department. During that conversation, I learned that my account was in good standing until XX/XX/2017. XX/XX/2017 XXXX transferred {$250.00} to my Citizens checking account however because this was a Friday, it wasnt processed by Citizens before my statement went out the following week resulting in a late payment fee. I told XXXX that if I had known about the late payment fee, I would have paid it and mentioned that both the on-line portal and Citizens app showed a {$0.00} balance on my ODP account. XXXX told me that he could not help me and that I owed the payoff amount. Later that day ( XXXX ) I checked the Citizens App again and it had been corrected to show the payoff amount on my ODP account. I have a screen capture of my Citizens App from XXXX to show this change and dont believe it is a coincident that the App was updated the same day I spoke with XXXX. I have tried on several occasions to download a statement from the Citizens on-line portal and have multiple screen captures ( including one from today XXXX ) that state Failed to load your request. Please try again.
I reviewed transactions on the Citizens App that I can see today from XXXX back to XXXX and it appears that Citizens has been charging me around {$33.00} per month and transferring payment from my Checking account ( payments that I thought were going towards the HELOC ). I havent been able to read my statements but assume these fees and finance charges go back to XX/XX/2017 ( 18 months x $ XXXX = {$590.00} ). Additionally, Citizens bank is claiming that I am more than 30 days past due on payment.
As far as I am aware, I have made every payment on time. I only became aware that I owed anything on XXXX and both primary means that I could have tracked this ( online portal and Citizens App ) were reporting a {$0.00} balance until I reported it to XXXX at the Citizens bank collections department on XXXX.
I do not believe that I should owe Citizens bank anything but will pay the original late payment fee from XX/XX/2017 ( I understand this was a {$10.00} fee ). I request help to waive ALL other fees and finance charges since XX/XX/2017 and reimbursement for ALL fees and finances charges that I have already paid. Additionally, I request help to clear the 30 day past due claim that Citizens has levied to my credit report.
I served honorably in the XXXX XXXX for more than 24 years before retiring XXXX. I pay my debts on time and value my credit rating. Any help that the Consumer Finance Bureau can provide is GREATLY appreciated. | null | CITIZENS FINANCIAL GROUP, INC. | RI | 02840 | Servicemember | Consent provided | Web | 2019-05-16 | Closed with monetary relief | Yes | null | 3,242,578 |
2017-09-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have multiple hard inquiries on my Transunion credit report that I did not authorize. Hard inquiries from the following companies and dates : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. I have contacted Transunion on several occassions for assistance with the removal of these inquiries, last of those attempts being today. I have also contacted the companies reporting these inquiries and have been told they have no record or to contact Transunion because they are reporting. Today I spoke with XXXX XXXX and was told " Transunion only maintains credit report hard inquiries and are a statement of FACT. The creditors have accessed my file ststing they have permissable purpose to do so ''. How is this factual when I the consumer state I DID NOT AUTHORIZE THEM. My back is to the wall at this point, I am only one person and can not seem to get assistance. I have contacted Transunion XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MS | 39212 | null | Consent provided | Web | 2017-09-28 | Closed with explanation | Yes | null | 2,686,936 |
2021-02-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | experian opened up my dispute for XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX experian received letter via upload almost a month ago the 30 day mark is near and they are now stating XX/XX/2021 for a resolution. this is a clear violation | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 125XX | null | Consent provided | Web | 2021-02-18 | Closed with explanation | Yes | null | 4,150,318 |
2018-08-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | XXXX/XXXX Date : XX/XX/2018 Inquiry Type : Unknown - Credit Extension, Review, Or Collection I did not authorize this inquiry | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 37601 | null | Consent provided | Web | 2018-08-05 | Closed with explanation | Yes | null | 2,982,218 |
2022-03-03 | Credit card or prepaid card | General-purpose credit card or charge card | Improper use of your report | Credit inquiries on your report that you don't recognize | The credit bureaus needs to fix this issue about the inaccurate information for the inquiry.
ADVANTAGE CREDIT INC being reported on my account The inquiry posted should not be on my report because I have neither inquired nor reached out to anyone. The inquiry was pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to the Credit Bureaus and to the company for them to investigate. Failure to comply with the request should be an automatic removal of the disputed inquiry. | null | Advantage Credit, Inc. | MI | 480XX | null | Consent provided | Web | 2022-03-03 | Closed with explanation | Yes | null | 5,281,672 |
2019-12-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | On XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payment listed on my credit reports for XX/XX/XXXX regarding Wells Fargo Bank, account number XXXX, by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX. USPS verified that all my requests were received. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 33461 | null | Consent provided | Web | 2019-12-19 | Closed with non-monetary relief | Yes | null | 3,472,177 |
2023-02-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 117XX | null | Consent provided | Web | 2023-02-10 | Closed with non-monetary relief | Yes | null | 6,555,898 |
2023-09-06 | 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 | 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 | Experian Information Solutions Inc. | GA | 31907 | null | Consent provided | Web | 2023-09-06 | Closed with explanation | Yes | null | 7,506,940 |
2023-02-18 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Old information reappears or never goes away | Hello, on XX/XX/XXXX, I opened a bank account with XXXXXXXX XXXX. They had a XXXX Zelle Registration policy, so by XX/XX/XXXX, I registered with Zelle and used Zelle to transfer between parents and lawn man. It is usually used when parents need money the majority of the time as it is quicker and doesnt have to be home to go and withdraw as I travel for work constantly. So, being able to send them when out at work is convenient. I have been using XXXX XXXX without any issues with this service but when XXXX XXXX had a cashback card, and better savings went with them. But on Late XX/XX/XXXX, Dad tried to send me money and had issues receiving the money. Ive tried contacting both Zelle and XXXX XXXX and unlinking Zelle from XXXX XXXX and still the same issue. The issue is that XXXXXXXX XXXX has flagged other accounts on those that have opened up Zelle after XX/XX/XXXX, because of a new user agreement, even though the one that was agreed upon was different and attached. I havent done anything different than on my XXXX XXXX account. The freeze on my phone and email have yet to be released even though I am confirmed that it is removed from XXXX XXXX and be able to be added to my previous bank account. XXXX XXXX says that should not be any issue that I have caused and all within the agreement, and Zelle wont say much about why. I tried asking XXXX XXXX, and they say they dont see what and that it is blocked. I am currently talking to XXXX XXXX to cancel the account and have been trying to get Zelle back to XXXX XXXX as they dont seem to cause issues when using the account, but because of XXXX XXXX has not provided the reason why I can search and see but I don't see why when nothing has changed except bank accounts. Not sure if having dad and me having the same name is causing issues as well but should not as we go by a bit differently to avoid situations. I have attached screenshots of the chat from XXXXXXXX XXXX After researching found that Zelle is Early Warning Services , LLC, so hope they do provide the necessary response and solution to this issue and stay within the agreement. | null | Early Warning Services, LLC | TX | 77083 | null | Consent provided | Web | 2023-02-18 | Closed with explanation | Yes | null | 6,588,228 |
2020-04-27 | 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 | Verify Method of Verification.
CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data.
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.
15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33179 | null | Consent provided | Web | 2020-04-27 | Closed with explanation | Yes | null | 3,624,326 |
2021-01-12 | Debt collection | I do not know | Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | Convergent Outsourcing, Inc sent me a letter on XX/XX/XXXX stating that I owe a debt in the amount of {$16000.00} to XX/XX/XXXX, XXXX. They also state that they are willing to reduce the amount by 35 % to {$5.00}, XXXX. ACCOUNT NUMBER : XXXX. The letter doesn't not include enough information about this debt. I've never heard of XXXX XXXX, XXXX. Original creditor XXXX XXXX XXXX XXXX. I am filing a dispute about the debt they are trying to collect. They contacted me by mail, on XX/XX/XXXX and identified the debt as XXXX XXXX, XXXX. I don't not owe this debt. I've called several times and someone repeatedly hangs up the phone. I've researched both companies and no additional identifiable information is available.
This is the second time this fraudulent company has tried to accuse me of a debt I do not owe. Similar debt with different amounts from a different creditor. See my previous complaint I filed in XX/XX/XXXX. This needs to stop.
Please stop sending me fraudulent letter claiming I owe debt. LEAVE ME ALONE LIARS.
Hide full complaint | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | MD | 20743 | null | Consent provided | Web | 2021-01-12 | Closed with explanation | Yes | null | 4,063,802 |
2023-01-18 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On Thursday XXXX XXXX, 2022, at approximately XXXX XXXX, a lady from Wells Fargo called on my cell phone. She said someone was trying to open up a business account and drain all my money from my accounts. I went to my desk computer to check. She asked if I knew someone called " XXXX '' from the " XXXX XXXX '' and I said no. I said there was nothing going on so far in my accounts. She said things may not post until tomorrow and someone would be calling back from the FBI. A man then called. He said his name was XXXX XXXX from the FBI. He said his name, badge number, case number and phone number of the FBI. He asked me to repeat it all back. He said that the person was draining all the money ( which I had only {$400.00} in my 2 accounts ) out of my Wells Fargo debit account and all the line of credit on my Wells Fargo Visa XXXX card. He said I should quickly move them to some government bonds cards found in local stores. All my cards were basically at XXXX and I was about to pay off my used car loan, my Wells Fargo XXXX XXXX loan and be out of bankruptcy soon. It terrified me.
He suggested trying XXXX XXXX right away since it was large and local. I drove 20 minutes and went in and found none and went back to my car. He called right back and said, just buy XXXX Cards in large demotions to get my credit line safe. The first time there I used my debit card and I pressed the Fraud big red X alert button, so it did not go through. So I moved my 2nd account money over to my regular account to at least make it {$400.00}. The cashier said to try another card, and I did and it went through. I was a little embarrassed that she had to call her manager over.
Then he asked me to go across the street to XXXX and do the same to get more money safe. He assured me he would send someone over to my house from the local FBI to return the money tonight. I also pressed the Fraud alert button on a {$2000.00} sale. It did not go through, either the first time. The cashier said to try another card, so I used my Wells Fargo Visa XXXX card. It was confusing her, so I said just to refund me, which they did for {$1500.00}, less {$500.00} that did go through. I contacted XXXX and they said the 3 cards that did not go through are not activated or loaded at all with anything according to XXXX, whom I also contacted. Then he suggested going to XXXX 's just down the road. I went in and came out empty handed because they were only {$25.00} cards. I told him it was cold, my heater was broken and that I was getting it fixed next week.
I still did not realize what was going on. He was very kind and said try one more store before going home because it was getting late. On to XXXX since they were not going through. I also pressed the fraud alert button at XXXX and the 4 gift cards also did not go through. The cashier called the manager and said that I could not purchase more than {$1000.00} per day, perhaps on these cards. I said I had no others with me. I only had my trusted Wells Fargo Debit and Visa XXXX card. So I left. The man then asked me to open the gift cards so the FBI office could track the criminal in action by photographing them. It was getting near XXXX XXXX and I went home because my fingers wouldn't bend from the cold and visiting 4 stores at night with no heat. He said to go have a good night 's sleep and would call me back in the morning to continue. Since it was so late, he said the money would be refunded tomorrow after finishing.
It was Friday XX/XX/XXXX and he called at around XXXX XXXX He asked me to first try XXXXXXXX XXXX XXXX. I said I was not a member and did not wish to be one. He said he would walk me through the whole thing on the phone as a courtesy. I can not remember if they had a Fraud Alert button, but I did join and got {$2000.00} of cards. Then he asked me to go back to XXXX and try again. I used just different credit cards and the {$2000.00} went through. I was starting to feel afraid that I was not getting to save all my Wells Fargo Visa XXXX credit card money saved from the criminal trying to get all of my money. It was lunch, so he said to go home and eat. He then asked me to open up my desk top computer and open up XXXX and XXXX ( which I was not sure what they were ). The XXXX XXXX did not work, but he got on my computer with something called XXXX to help me go on XXXX. Then he said you are almost covered for your main bank accounts on Wells Fargo for your limit and so you have other cards? I said yes and I tried my credit cards in various amounts on my home desk computer for XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. More cards were bought. Some went through, some did not, presumably because I pressed the Fraud Alert red X button. He said he would send someone to the house to reimburse me after we were done.
Meanwhite, I had applied for a job the week before and they kept leaving messages while he was on the phone telling me what to do on Friday. I finally said I had to call them back since I had been unemployed for almost a year and on unemployment half the past year and still in bankruptcy. He even congratulated me on getting the job. Some of these were done at home, some at the store. I was scared I didn't do enough to save what little money I had since I am in bankruptcy and was unemployed most of this year and had to collect unemployment for 6 months living close to the red. I still was clueless as to this nice talking " XXXX XXXX '' who told me very patiently how to do it all on the phone. It was late again and he said tomorrow on Saturday XX/XX/XXXX, either he or an associate would call me or show up to give back all the money. He told me to have a good night 's sleep and leave my computer on for the night. I did not do that, though, since I turn off and unplug things to save money on my electricity bill.
I woke up Saturday, looked at my Wells Fargo account showing with nothing except charges on my credit card and my 2 main bank checking accounts empty. I shook and it woke me up to see what was finally going on. He kept on saying to make sure to say nothing to no one so they could do this sting on the thief from the XXXX XXXX.The thief, I figured thought was him. I immediately called Wells Fargo and said that I was a victim of fraud and major crime activities and that all the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX charges should be reversed. I was scammed and felt so ashamed. They were polite and told me they could only take the {$400.00} off that day on my Debit Card and to call the Wells Fargo Credit Card department, because it was a different department. I shook and quickly called it and told the Wells Fargo Credit Card people about all of the fraudulent charges. I told them also to stop all the XXXX XXXX, XXXX, XXXX 's XXXX and XXXX charges as they were fraudulent. He said there was a daily limit as to how many he could take of in one day, so I should call back the next few days for more. Then I spent the next few hours calling all of the rest of the credit cards that were used and they all took care of the frauds I alerted them to.
I have been with Wells Fargo since XXXX, had my first mortgage with them, also. I am XXXX, on XXXX, considered a vulnerable elder as I live alone with no friends or family in contact with. I also suffer from XXXX, XXXX, XXXX XXXX XXXX and XXXX. I have not been able to function or sleep since I have not gotten this resolved with only Wells Fargo. I have called everyone back since that weekend to make sure they took me seriously and reverse the frauds and stop any more criminals. I got escalated on another call to Wells Fargo to some lady who was so rude and to just figure it is gone, all by me, my fault. I was stunned at the response. I could hardly talk and got severely traumatized how she handled me as a loyal customer. I said a major, major fraudulent crime has been committed no matter what, and I first sought Wells Fargo as my first choice to alert so they flag and correct my debit and credit cards quickly and responsibly. I trusted Wells Fargo to help me, not be mean and cruel to a loyal, longtime customer. Every other card I contacted handled it in a professional, simple way and did the right thing to put people first, not the criminals. They trusted me and instead of Wells Fargo who has fought the fraud and my claims. They reversed the {$400.00} on the Debit Account that they originally credited me in my debit card on the first day. They still won't correct all of the frauds there of {$3400.00} on my XXXX Visa credit card.
I am in bankruptcy and it has ruined my credit. I do not know how I can pay for all of this crime.
Wells Fargo has sent me mixed messages every time I called to report the fraud charges again.
I live on a modest string budget and had so many cards and stores involved. I set up folders for all credit cards and continue to call them to file fraud reports or just report them on the phone.
Some did not take me seriously the first time, so I am glad I called back. The guy continued to call me back until I figured out how to block him. He called me back on a different presumed " burner '' phone until I blocked that, too, after I called him scum and hung up.
On the Tuesday after it happened, a nice lady named XXXX from Wells Fargo contacted to apologize how it was handled and would help and investigate more fully. I felt relieved and somewhat appreciated that they were going to help and do the right thing. The bank " looked into '' my account for over a month and just informed me a month later they would not reimburse the rest of my claims. I find that refunding some and not others confusing and wrong as I was the victim with Wells Fargo only. Every other credit card has refunded me so far, except Wells Fargo. I have filed reports with the XXXX XXXX # XXXX, the FTC # XXXX, the XXXX # XXXX, the Office of MN XXXX XXXX and the XXXX hope you can assist me in getting my accounts back in order because I do not have the money to pay with being unemployed for so long and in bankruptcy. I think being a long time customer deserves that much and respect, also. I know the pace of technology is fast, and I thought I was always doing the right things. I had all my credit cards back at XXXX, living on a few hundred bucks at a time generated by XXXX and a part-time seasonal job. I almost had my used car loan paid off, my Wells Fargo XXXX XXXX paid off and had to move money around my accounts and trying to wait on Wells Fargo only. All they other credit card companies were respectful and cooperative and nice compared to Wells Fargo so far. Banks should continue trying staying one step ahead of the criminal activity and collaberating with the people who they have long done business with.
Instead I have ill will, distrust and you have a reputation at stake. Iam considered moving all of my accounts with Wells Fargo to give my business to someone who treats their customers kind and fairly.
Thank you, kindly.
XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MN | 55129 | Older American | Consent provided | Web | 2023-01-18 | Closed with explanation | Yes | null | 6,447,304 |
2022-11-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate.
I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.
In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11230 | null | Consent provided | Web | 2022-11-24 | Closed with non-monetary relief | Yes | null | 6,241,419 |
2022-02-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I submitted XXXX disputes and none of the false account on my credit report have beeen removed ... .... | null | EQUIFAX, INC. | TN | 38111 | null | Consent provided | Web | 2022-02-20 | Closed with explanation | Yes | null | 5,242,085 |
2022-10-02 | 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 | This 12 inquired I dont recognize report fraudulent run my credit 1 ) XXXX XXXX,, 2 ) XXXX, 3 ), XXXX XXXX XXXX XXXXXXXX XXXX, 4 ) XXXX XXXXXXXXXXXX XXXX, 5 ) XXXX 6 ) XXXX XXXX, 7 ) XXXX XXXX XXXXXXXX XXXX, 8 ) XXXX XXXX XXXX 9 ) XXXX, XXXX XXXX, 10 ) XXXX,, 11 ) XXXX XXXX XXXX 12 ) XXXX XXXXXXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77036 | Servicemember | Consent provided | Web | 2022-10-02 | Closed with explanation | Yes | null | 6,040,304 |
2022-11-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MS | 387XX | null | Consent provided | Web | 2022-11-16 | Closed with non-monetary relief | Yes | null | 6,208,865 |
2023-04-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my 5TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXXXXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : - Bankruptcy XXXX XXXX Filed on XXXX XXXX, XXXX Reference number : XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXXFiled on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dismissed XXXX Filed on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$700.00} TXXXX XXXXXXXX Balance : {$84.00} XXXX XXXXXXXX Balance : {$57.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Filed on XX/XX/XXXX, XXXX number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed on XXXX XXXX, XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | GA | 30228 | null | Consent provided | Web | 2023-04-24 | Closed with explanation | Yes | null | 6,881,436 |
2017-08-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | Recently I have discovered some discrepancies with my Credit Score reporting by XXXX to my XXXX XXXX XXXX credit card. I 've been working on this issue, and XXXX mailed my corrected report and score to me just a couple of weeks ago. At this point I checked on two of my credit cards Discover & XXXX which use XXXX service ( run by XXXX ) to provide their customers with access to their credit scores. According to XXXX, they get their info from XXXX, but the score they show is completely different from what was sent to me by XXXX, as well as two loans incorrectly reported by XXXX as Personal Loans are actually Parent-Plus Student Loans as correctly shown by XXXX ( see attached ). I have contacted XXXX and Discover card about these issues via messaging on their Web Site, but as you can see from their answer ( see attached ) they dont even bother to read their customers messages. XXXX just sent an email to me with a statement " No changes to your credit report '' ( see attached ), which means XXXX did n't even bother to check my info against what XXXX shows ... I am not aware of any other way of contacting these people, and mistakes like these can cost me a lot of money. Please help me convince XXXX associates to do their jobs as well as Discover and XXXX take seriously their responsibility to their customers. I find it highly disturbing knowing that my financial well-being is in the hands of somebody who cares so little they dont bother to even read my 3-sentences message. Something really should be done about it. | null | DISCOVER BANK | WA | 98499 | null | Consent provided | Web | 2017-08-13 | Closed with explanation | Yes | null | 2,631,877 |
2023-08-16 | Debt collection | Credit card debt | False statements or representation | Attempted to collect wrong amount | I have 4 collection account with the same credit agency midland credit mangement and they keep playing with the credit amount by either saying I paid {$1.00} and then the next month add a dollar back on like it trying to reset the time of debt. Haven't even talked to these people or responded always dispute online and that on woman within and XXXX XXXX account.plus I closed these account when I moved out of town they where to send final bills for the 4 accounts but instead let it stay open and get late fee charges when I personally called and closed these and ask them for detailed last payment /monthly payments amount /and details of items I bought and the recorded phone call since it was recorded everything I called it should show that I closed ghe acount so how are there fees know all these cards don't make since. I been disputing this since the beginning of the year practically ever month | null | ENCORE CAPITAL GROUP INC. | MO | 631XX | null | Consent provided | Web | 2023-08-16 | Closed with non-monetary relief | Yes | null | 7,412,039 |
2022-05-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without mt written instructions, in addition they also violated 15 USC 1692c ( a ), and 15 USC 1692b ( 5 ). Documents uploaded shows proof. Accordance with the fair credit reporting act XXXX accounts were violated | null | LEXISNEXIS | IN | 46201 | null | Consent provided | Web | 2022-05-22 | Closed with explanation | Yes | null | 5,588,993 |
2020-11-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Someone used my personal information to open a fraudulent account that resulted in a charge off on my credit.I didnt open this account and didnt know of its existance until I received an alert on XXXX XXXX that I have a charged off account.
Please see the attached Federal Trade Comission report and remove this account from my credit profile as its NOT MINE> I paid the balance that was due | null | CAPITAL ONE FINANCIAL CORPORATION | NY | 11211 | null | Consent provided | Web | 2020-11-03 | Closed with explanation | Yes | null | 3,933,998 |
2021-07-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Re : This is not a regular dispute. Take action immediately you are in violation.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Law Firm XXXX, XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints 1. ) As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
2. ) Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the Equifax data breach/identity theft. All is being investigated by the FTC | null | EQUIFAX, INC. | LA | 70506 | null | Consent provided | Web | 2021-07-22 | Closed with explanation | Yes | null | 4,567,008 |
2023-04-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30039 | null | Consent provided | Web | 2023-04-11 | Closed with explanation | Yes | null | 6,822,888 |
2022-08-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well inability to report accurate only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 | Experian Information Solutions Inc. | CA | 91730 | null | Consent provided | Web | 2022-08-30 | Closed with non-monetary relief | Yes | null | 5,926,388 |
2019-04-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | THIS AFFIDAVIT IS NOARY SUPPORTED AND SELF AUTHENTICATING BY WAY OF THE LAWFUL NOTIFICATION : THE DOCUMENTS XXXX XXXX PRODUCED ARE NEWLY CREATED ROBO SIGNED AND FORGED TENDER OF PAYMENT OFFERING WAS DECLINED IN WRITING THEREFORE SET FOR DISCHARGE On XX/XX/XXXX, XXXX XXXX did not produced verification documents which is incomplete missing or other. I requested the copy of the contract/application from them over 50 days ago and they have not sent it to me. They have stated that due to the time frame that document contract application doesn't exist anymore. Why doesn't it? If you XXXX XXXX are stating that i can't alter the agreement/contract/application then how are you creating a new one?
The Disclosures or letter recently created by XXXX XXXX states facts that they do not have that agreement contract application which was signed electronically.
The Disclosures or letters created by XXXX XXXX does not have the full documents needed to continue to alleged a debt based upon the FDCPA 15 USC 1692.
i am presenting this affidavit in dispute confirmation of the alleged debt which must be deleted. It is the Banks responsibility to secure all applications/agreements and or contracts within their system to show validation and verification. For such was not done herein this matter. The Disclosures or documents produced by XXXX XXXX are statements i have never seen before. When i requested the statement they said they would send them, rather i have never received them by mail, only one which is hard to read and make out. Which the copy version i am attaching they provided shows fraud. The document does not show the back side where the Bank admits it received the Tender Of Payment and what address to send them to. This was told to me by the manager XXXX on XX/XX/XXXX.
I have requested the Tender of Payment in return to assure that they the bank did not cash them, so it is implied that XXXX has cashed the Tender Of Payment [ s ] due to never returning the Tender Of Payments as evidence of declining the payment but claim to have it on copy within their digital system.
XXXX XXXX has a FRAUD ALERT document which would appear on the contract/agreement application online. Were it states something like Criminals are hacking email accounts of lenders, real estate agents, title companies, settlement agents or attorneys, and other, resulting in fraudulent wire instructions being used to divert funds to the account of the criminal. It is proven this is what XXXX XXXX has done this alone.
XXXX XXXX never provided me with a full copy of the alleged loan agreement or contract and has only done such with the credit agencies or all three credit bureaus by fraud and incomplete documents.
The signatures XXXXXXXX XXXX has produced are forged, for they themselves said it was done online, and since they kept the tender of payment it is more than likely they have a copy of my infant trust account number.
Due to the fact that XXXX XXXX will not produced the application/contact to the CFPB or to the three credit bureaus the one they sent me is forged XXXX signed and newly created well after the original electronic document the debt must be XXXX and paid in full by the tender of payment offer made, as they have declined see Law 3-306. I give full authority to the United States Government to monitor the purposes of this matter. I XXXX XXXX XXXX have a copy of the original document and will provide it thereto the bureaus and government agencies by mail. The original application is the contract and it has a digital signature not a wet signature. They have altered that document and can only produce a old Statement from XXXX?
# ss XXXX XXXX XXXX XXXX XXXX has presented false information. Seventy percent [ 70 % ] of the letters they attached to validate or verify the alleged debt i have never seen before nor have i received from them in the mail. Also i XXXX XXXX XXXX have never spoken with these ladies from XXXXXXXX XXXX or received letters from them they have placed upon the CFPB website, from XXXX XXXX employees " XXXX XXXX '', i have never seen a letter from her on behalf [ obo ] XXXXXXXX XXXX, because are responding to the fax i sent them on XX/XX/XXXX XXXX ; XXXX, not from the complaint therein.
Employee " XXXX XXXX '', has never called my phone nor written me any letters via USPS mail. She submitted her letter to the CFPB site not to me. The letter on the CFPB site from XXXX XXXX i have never seen this letter until today XXXX XXXX dated XX/XX/XXXX, also notice the address and name they are using XXXX XXXX XXXX is not my address. Therefore also they have the wrong name as XXXX XXXX XXXX my name is spelled this way XXXX XXXX XXXX lower case.
This matter and alleged debt is Disputed. In a letter dated XX/XX/XXXX, third paragraph highlighted for you to see it says that they XXXX XXXX does not have the original contract/application for they are both the same! I also Tendered a payment in full and they declined it, therefore the debt is XXXX. I spoke with an employee Manager XXXX on XX/XX/XXXX for XXXXXXXX XXXXs. She stated that the contract/application was available and they would be sending it to me, but i have never received it. Guess why! because the contract/application was altered by them and only them being the bank " XXXX XXXX ''.
AFFIDAVIT OF TRUTH AND FACTS FOR DISPUTED DEBT : THIS AFFIDAVIT IS SELF AUTHENTICATING BY WAY OF THE LAWFUL NOTIFICATION : XXXX XXXX FAILED TO PROVIDE THE INFORMATION OF THE ORIGINAL LENDER IN WRITING THEREFORE THE DEBT IS DISPUTED AND SET FOR DISCHARGE FDCPA XXXX09. VALIDATION OF DEBTS 809. Validation of debts ( a ) Notice of debt ; contents ; Within five days after the initial communication with a con - sumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ;. ( 2 ) the name of the creditor to whom the debt is owed ;. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ;. ( 4 ) a statement that if the consumer notices the debt col- lector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt col- lector will obtain veri cation of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
. ( b ) Disputed debts If the consumer notices the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communi - cations that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has noticed the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communica - tion during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
. ( d ) Legal pleadings I demanded and required the following for verification a.wet signatures with its original color ink b. the original size document legible and readable c. the actual signature of the borrower in print and readable d. copies of all parties signed on the document or Unilateral or bilateral agreement They have failed to produce documents to validate this debt by alleging that the document is only two [ 2 ] years old and no longer exist this debt must be deleted from my account and XXXX. XXXXXXXX XXXX are merely retaliating due to the fact that i will not make a payment with a debt currency called XXXX or Federal reserve notes. This is there demand for payment. This is discriminative. XXXXXXXX XXXX are 50 days past the verification process and this debt is due to be deleted by all three credit bureaus. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89128 | null | Consent provided | Web | 2019-04-18 | Closed with explanation | Yes | null | 3,215,713 |
2021-09-21 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | A card was opened my name in 2012 at XXXX XXXXXXXX now portfolio recovery associates has the debt. I tried many times to dispute the account even a police report but they keep reporting a debt that was never mine. | null | PORTFOLIO RECOVERY ASSOCIATES INC | IL | 622XX | null | Consent provided | Web | 2021-09-21 | Closed with explanation | Yes | null | 4,741,296 |
2020-05-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I recently looked at my credit report and noticed some things that I believe to be wrong.
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 757XX | null | Consent provided | Web | 2020-05-22 | Closed with explanation | Yes | null | 3,664,499 |
2021-12-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | These Two accounts are still reporting on my Experian Account. I have included evidence that Experian has deleted this account but is still reporting it onto my credit report. I have called Experian and reported it to them but they have yet to solve this problem. I have even mailed them showing them proof that these accounts was deleted and is still reporting on my credit report. The two account numbers are : XXXX and XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 11233 | null | Consent provided | Web | 2021-12-30 | Closed with explanation | Yes | null | 5,056,553 |
2021-09-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | Please see the attached letter from XXXX. Note where they claim I provided " verbal '' authorization in connection with a mortgage transaction. This is a false statement by XXXX XXXX XXXX XXXX XXXX. Furthermore, no voice recording or other concrete evidence has been provided to prove this statement as fact. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau - XXXX, Equifax, and XXXX. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law.
XXXX XXXX on behalf of XXXX XXXX Illegally inquired on XX/XX/2021 | null | EQUIFAX, INC. | FL | 32563 | null | Consent provided | Web | 2021-09-13 | Closed with explanation | Yes | null | 4,713,738 |
2023-03-29 | 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 | I have attached an FTC report with accounts and inquiries I did not authorize | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33426 | null | Consent provided | Web | 2023-03-29 | Closed with non-monetary relief | Yes | null | 6,759,372 |
2023-08-01 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | Today I received a letter from I.C. System INC.
Said I owed money to XXXX XXXX, but I never Used their company 's cell phone service. I remember around XXXX last year, There is a XXXX XXXX bill that shows up on my credit report.
I then called XXXX and also called my credit reporting company to dispute. They said they would follow up on it. Then they removed XXXX XXXX from my credit report. Until today, I received this letter from I.C. System INC? I don't know what to do, I can only turn to you guys for help! Hope you guys can help me!!! thank you all!!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | NY | 10308 | null | Consent provided | Web | 2023-08-22 | Closed with explanation | Yes | null | 7,328,457 |
2022-04-29 | Checking or savings account | Checking account | Managing an account | Banking errors | I paid ( via Banks Bill Pay ) {$150.00} from my XXXX Bank ( Pacific Premier ) checking account ending XXXX to XXXX 's credit card ending XXXX. This amount of money is stolen by XXXX Bank ( Pacific Premier ) or the XXXX Credit card company and it is missing for ever, no where to be found. I called XXXX Bank ( Pacific Premier ) and XXXX, they provided no help. Both are run by hardened criminals and bandits, who are engaged in Electronic Fund Transfer Fraud & Wire Fraud. | null | PACIFIC PREMIER BANCORP, INC. | CA | 92887 | null | Consent provided | Web | 2022-04-29 | Closed with explanation | Yes | null | 5,513,418 |
2020-11-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX and TransUnion consumer as a " charge off '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 133XX | null | Consent provided | Web | 2020-11-16 | Closed with explanation | Yes | null | 3,956,357 |
2022-09-06 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | Procollect has put my account into collections from an identity fraud case. Someone stole my identity and opened up a gas, listing an incorrect address as well. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ProCollect, Inc. | NJ | 07508 | null | Consent provided | Web | 2022-09-06 | Closed with explanation | Yes | null | 5,950,111 |
2022-05-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. | null | Bread Financial Holdings, Inc. | OR | 97124 | null | Consent provided | Web | 2022-05-06 | Closed with explanation | Yes | null | 5,549,527 |
2017-08-19 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On or about XX/XX/XXXX I applied to various job boards for work at home jobs. A job titled XXXX XXXX XXXX was listed and I applied for it. On XX/XX/XXXX I received an email from a XXXX XXXX from XXXXXXXXXXXX stating my first assignment has been approved. Starting on XX/XX/XXXXI received text messages from XXXX XXXX as well as email messages and a phone call or two. On XX/XX/XXXX XXXX XXXX sent by email a brief and directions of what the XXXX XXXX entailed. I replied on XX/XX/XXXX that I was ready to get started. On XX/XX/XXXX I was told by email that money orders were send, I was to deposit and wait for them to clear before starting surveys. Money Orders were received and deposited onXX/XX/XXXX. They were cleared on XX/XX/XXXX, bank showed balance to be available XXXX {$1900.00} XXXX. I let XXXX know I was ready to start surveys, he sent me a list of items to purchase and instructions on making a copy of what was purchased, the copy of receipt and I was to copy the card number for each XXXX card purchased. Two items were not available, I let him know that and he let me know just proceed with what I was able to purchase. My earning was to be {$250.00} per survey for a total of {$500.00} for the 2 surveys. By the night of XX/XX/XXXX I received a call from the fraud department from SunTrust Bank XXXX where postal money orders were deposited ) asking if I made the purchases in the amount of {$1400.00} and I advised yes I did as I was doing this for employment purposes. I then checked bank account and found the account to be negative - {$1900.00}. I called the bank which was after XXXX pm and all they could advise me was the postal money orders were being returned as uncollected funds. Bank account is listed with husband first on the account and then myself. On the morning of XX/XX/XXXX I went to the branch bank where deposits were made and spoke with XXXX the branch manager and she confirmed the postal money orders were no good. XXXX assisted me in faxing a Statement of Dispute regarding the purchases made, Case Number : XXXX for XXXX XXXX and Scam Case : XXXX. I tried to reach XXXX XXXX but number was no good and he did not respond to emails or text. The phone number was no longer working. I then called the XXXX XXXX XXXX, Fl police, an officer came to my home, did not want to take a report, he stated they see this fraud all the time, report it to the Federal Trade Commission, the Postal Inspector and hope for the best. After several days of going back and forth with the bank and realizing they were not going to help, I contacted the Postal Inspector and was told to file my claim online, which I did onXX/XX/XXXX and received was provided a reference number : XXXX # XXXX regarding mail fraud. 0n XX/XX/XXXX I filed a report with The Federal Trade Commission, Reference # : XXXX and XXXX suggested to file with consumer finance online which I am now doing on XX/XX/XXXX. Will also be contacting the State Attorney General in Florida for additional help. I would like help in resolving this with the bank, I do not have XXXX. The bank did not investigate and they did not assist in clearing the deposits, they should not have made them available. I am a victim of fraud. Hopefully the crooks will be caught and made to pay. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SUNTRUST BANKS, INC. | FL | 34953 | null | Consent provided | Web | 2017-08-22 | Closed with explanation | Yes | null | 2,645,827 |
2021-08-23 | Debt collection | Medical debt | Communication tactics | Frequent or repeated calls | Monday XX/XX/XXXX, XXXX XXXX, I received a call that rang once and then went to voicemail. The number on caller ID is XXXX. The message said " This is Western Collection Bureau. We are attempting to collect a debt. Please call XXXX. '' I saved a screenshot of the call log. I also saved the voicemail message, which had the number to " please call ''. I have received other, different, fraudulent " mystery collectors '' with no known debt, about a year ago. This is the first call, on an unknown debt, if any. I challenged a medical lab on digging up an old, outdated bill for {$20.00}, from a year before ( 2019 ), after finding my XXXX, and sending it to me. It stopped sending me bills. Therefore I guessed that it was either a {$20.00} old, challenged lab bill, a minor, invalid collection attempt with nothing in writing, or a fraudulent phishing attempt. | null | Western Collection Bureau, Inc. | OR | XXXXX | Older American | Consent provided | Web | 2021-09-13 | Closed with explanation | No | null | 4,653,751 |
2017-11-06 | Debt collection | Other debt | Communication tactics | Frequent or repeated calls | The agent of this companny called DINAMIC RECOVERY SOLUTIONS, have called repeadetly fron a phone number from a individual person not associated to this companny and using a name of XXXX XXXX, have called many times even though after many times they have promissed to delete my number because of a mistake they did. This agent associated my last name with the one of another person and since they don`t have form of contact them is trying to get to them throu me, even after many times I have told them I don`t know such person they keep calling and promissing to delete my number. If you dont resolve this matter I think will be time to involve the courts since they are just abusing and don`t want to understand I have nothing to do with them and keep associating my name with a delincuent account that don`t correspond and I don`t have. | Company believes it acted appropriately as authorized by contract or law | Dynamic Recovery Solutions, LLC | TX | 77067 | null | Consent provided | Web | 2017-11-06 | Closed with non-monetary relief | Yes | null | 2,722,113 |
2020-02-07 | Debt collection | Medical debt | Communication tactics | You told them to stop contacting you, but they keep trying | Received paper bill in mail dated XXXX from FBCS Consumer Contact Solutions - XXXX.
Received phone call about the bill shortly after. I requested they send all future correspondence in writing.
I did not take down the number of the call as I have not had problems with debt collectors call after my request. I believe that on the call I stated that it was right before XXXX and XXXX and that I was not able to negotiate a settlement at that time.
I have attached two of my XXXX bills showing my call logs from XXXX and XXXX. There are two calls from area code XXXX during that stand out to me as being numbers they may have called from : -- XXXX inbound XXXX at XXXX XXXX - 2 minutes -- XXXX inbound XXXX at XXXX XXXX - 1 minute I know I received a call about this bill and I know I requested that all correspondence be sent in writing.
Recent History of Calls ( screenshots included - phone log only goes back to XXXX ) : -- XXXX inbound XXXX at XXXX. Missed call.
-- XXXX inbound XXXX at XXXX. Missed call.
-- XXXX inbound XXXX at XXXX. Answered and made an offer for a settlement.
-- XXXX inbound XXXX at XXXX. Missed call.
-- XXXX inbound XXXX at XXXX. Missed call.
-- XXXX outbound XXXX. XXXX offer acceptance and payment plan arranged.
Payment was authorized on XXXX and posted to my account on XXXX.
Charge ( same as authorization made on XXXX XXXX to my account on XXXX and posted to my account on XXXX.
-- XXXX at XXXX XXXX ( 9 minutes ) : called to ask re : duplicate payment. Agent asked whether both payments had posted. He asked me to email his supervisor confirmation that both payments had posted ; he was adamant that they must have proof that both payments had posted. He seemed very concerned about returned payments - which means that this was intentional.
-- XXXX at XXXX ( 5 minutes ) : called to confirm receipt of my screenshot that both payments had posted. Was told the payment had been reversed. Did not receive confirmation by email ( as this was how I was told to submit my proof ) from XXXX. Asked for the name of the Debt Collector - Financial Business Consumer Solutions, FBCS ; the phone number she gave me is XXXX.
Reversed charge will not immediately post to my account. | Company believes it acted appropriately as authorized by contract or law | Financial Business and Consumer Solutions. | UT | 841XX | null | Consent provided | Web | 2020-02-07 | Closed with explanation | Yes | null | 3,523,432 |
2023-01-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am intrested in disputing all incorrect information on my credit report with Equifax. | null | EQUIFAX, INC. | FL | 33313 | null | Consent provided | Web | 2023-01-16 | Closed with explanation | Yes | null | 6,439,534 |
2021-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Hello, I have been trying to get this problem fixed since XX/XX/2021 with TransUnion and XXXX and these reporting company hasn't sent me ANYTHING regarding this alleged debt. They haven't verified this XXXX XXXX debt and they haven't sent me any documents that i asked for or anything. So i am so confused who will be able to help me get this removed. Also the debt collector is XXXX XXXX XXXX and also hasn't notified me in any way ( 15 usc 1692g ) variolating my rights and keeping me in the dark I'm starting to feel like they are knowingly reporting false information and they wont fix it. It is really stressing me out since it's really been over 100 days of me trying, calling, and sending in disputes yet this XXXX Account is still on my report for no reason. They have violated so many consumer laws it is crazy. 15 united states code 1681 ( i ) ( a ), 1681 ( i ) ( 2 ) ( a ), 1681e ( b ) are just a couple and it should be deleted off my report immediately. Or else I will be forced to litigation since they seem to not be compliant with the law. 15 usc 1681n for willful noncompliance. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | KS | 66104 | null | Consent provided | Web | 2021-06-16 | Closed with explanation | Yes | null | 4,466,678 |
2022-12-31 | Debt collection | Other debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I opened a savings account and deposited a check that turned out to be forged. I alerted the bank and asked that the Bank stop payment on the check because it was a forgery. The bank did not do it. Because the check was from a company in XXXX it caused a balance due to the exchange rate. I spoke with the Bank President who said they would write it off. The next thing I heard was from Walla Walla collection agency. They called me by phone. I tried to explain this to them by phone. They then sent me some information by mail which they told me by phone I should have received. I responded with the facts about this debt and how it was not my fault. They never responded and so that led me to believe it had been resolved. About two years later they placed a derogatory remark on my credit history without contacting me first. I wrote them to try to resolve this and they continue to ignore me. | null | Collection Bureau of Walla Walla | WA | 98908 | Servicemember | Consent provided | Web | 2023-01-19 | Closed with explanation | Yes | null | 6,383,087 |
2017-06-06 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | XXXX , XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX I C SYSTEM INC XXXX AND I C SYSTEM INC XXXX Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from iden tity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious I C SYSTEM INC XXXX AND I C SYSTEM INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX , in th e U.S. District Court for the XXXX District of Califo rnia Stop c ollection proceedings against me Signatures on applications and accounts Investigators report XXXX , XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | FL | 33441 | null | Consent provided | Web | 2017-06-07 | Closed with explanation | Yes | null | 2,502,560 |
2023-04-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NM | 88310 | null | Consent provided | Web | 2023-04-06 | Closed with non-monetary relief | Yes | null | 6,807,212 |
2023-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75204 | null | Consent provided | Web | 2023-08-14 | Closed with non-monetary relief | Yes | null | 7,398,740 |
2020-03-28 | Checking or savings account | Other banking product or service | Closing an account | Company closed your account | Dear Bank of America : This letter serves to request the cashiers checks be released from the CLOSED Account of XXXX XXXX XXXX, XXXX, business checking and savings account.
The FDIC Law, Regulations, Related Acts and 6500- Consumer Financial Protection Bureau provide laws and specific guidelines that protect consumers when bank accounts are closed. XXXX XXXX XXXX XXXX, is within this class of protection. Bank of America is within its depository rights to close the accounts, but can not capriciously hold the funds, harass me, interfere with my constitutional rights and hurl XXXX XXXX onslaughts!
Bank of America initiated closing both the business checking and savings accounts on XX/XX/XXXX denying access to funds.
Bank of America completed their investigation of XXXX XXXX XXXX, XXXX and submitted a Notice of CLOSURE dated XX/XX/XXXX. The NOTICE stipulated that funds from the account would be mailed 3-5 business days in the form of cashiers checks.
Bank of America, various departments have been contacted from XX/XX/XXXX until XX/XX/XXXX when the cashiers checks were not received. Their is no justification to hold my funds denying my constitutional rights to life, liberty and the pursuit of happiness ( unpaid mortgage, utilities, insurances, food and clothing ).
Due to the blatant and appalling hold on the cashiers checks ; I am further requesting compensatory and punitive damages be assessed accordingly for each day after the legal time, Monday, XX/XX/XXXX.
I AM, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX https : //www.consumerfina Sent from my XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 95330 | Servicemember | Consent provided | Web | 2020-03-28 | Closed with explanation | Yes | null | 3,583,879 |
2021-11-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I hereby ask for your assistance regarding my dispute. It has been more than 60 days since my first dispute and the accounts that I'm disputing are still lingering on my credit report. This is a violation of 1681 and 1681n of 15 USC. The credit reporting agencies are ignoring my disputes. That is why I'm submitting a complaint in hopes of getting rid of them. | null | EQUIFAX, INC. | FL | 33313 | null | Consent provided | Web | 2021-11-30 | Closed with explanation | Yes | null | 4,962,176 |
2019-12-23 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | XXXX of the University XXXX XXXX and was working on a job site in XXXX.
I sustained a XXXX injury and was taken to the local hospital.
An labor and industry claim was opened and approved for coverage of all expenses related to this injury.
I have sent my labor and industry claim information to the XXXX department multiple times requesting that they bill the correct person responsible.
Received a collection letter today from Creditors Bureau.
I called them to let them know that this is not my responsibility and they would not listen.
This is called balance billing and is illegal.
The amount trying to be collected is {$56.00} | null | FRESNO CREDIT BUREAU | WA | 98499 | null | Consent provided | Web | 2019-12-30 | Closed with explanation | Yes | null | 3,476,126 |
2017-08-03 | 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 XXXX XXXX , 2017 XXXX XXXX XXXX in XXXX GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA. | null | EQUIFAX, INC. | GA | 30040 | null | Consent provided | Web | 2017-08-03 | Closed with explanation | Yes | null | 2,594,584 |
2021-07-03 | 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 | I have tried everything, I tried everywhere, I still see no results. I am a victim of the Equifax data breach and a victim of identity theft. Its been well over 3 months now and still i have not gotten any answers or solutions to my problem. These accounts are not mine! I need them removed ASAP. I attached all of my letters/attempts to this complaint for proof. | null | EQUIFAX, INC. | NY | 11520 | null | Consent provided | Web | 2021-07-03 | Closed with explanation | Yes | null | 4,513,607 |
2018-07-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. The following accounts and credit inquiries are listed on my Experian, XXXX and XXXX XXXX credit report, are all fraudulent and unauthorized : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX DC, XXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, i never applied for credit or accounts with any of the creditors listed above. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85202 | Servicemember | Consent provided | Web | 2018-07-02 | Closed with non-monetary relief | Yes | null | 2,952,195 |
2021-05-12 | Vehicle loan or lease | Loan | Incorrect information on your report | Account status incorrect | Its about my car loan. I have a letter from credit acceptance that this car XXXX XXXX XXXX was paid in full by XXXX XXXX. My car was in 2 accidents.
Contract pay off account # XXXX 2019 XXXX XXXX From paid accounts processing department. | null | CREDIT ACCEPTANCE CORPORATION | AZ | 85213 | null | Consent provided | Web | 2021-05-12 | Closed with explanation | Yes | null | 4,372,359 |
2021-05-01 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by some real bad internet hackers on the dark web. This agency is in violation of 15 USC 1692g Because 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. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; I demand that the following account be verified or removed immediately : 15 U.S. Code 1692g - Validation of debts XXXX Account # : Closing Date : XX/XX/2018 This agency is in violation of 15 USC 1692g Because 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 | null | EQUIFAX, INC. | NY | 13212 | null | Consent provided | Web | 2021-05-01 | Closed with explanation | Yes | null | 4,343,435 |
2022-06-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
I HAVE PROVIDED FULL AND COMPELLING EVIDENCE TO PROVE THAT THESE ACCOUNTS CAN NOT BE ON CREDIT REPORTS. I AM PREPARED TO FILE A CIVIL LAWSUIT AGAINST YOUR BUREAU IF YOU DO NOT COMPLY. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90302 | null | Consent provided | Web | 2022-06-13 | Closed with non-monetary relief | Yes | null | 5,663,635 |
2020-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
XXXX XXXX {$280.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX/XXXX XXXX {$1100.00} XXXX XXXX XXXX {$93000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AR | 72209 | null | Consent provided | Web | 2020-05-04 | Closed with explanation | Yes | null | 3,635,674 |
2023-04-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer.
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$33000.00} ; U S DEPT OF ED/XXXX XXXX Balance : {$38000.00} ; XXXX XXXX XX/XX/2023 . | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28304 | null | Consent provided | Web | 2023-04-21 | Closed with explanation | Yes | null | 6,866,415 |
2022-11-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I've reached out to this company several times via phone mail and fax advising them they are breaking the law by reporting my private personal information to the public without my consent or knowledge. According to 15 U.S. Code 1681b they have no right to report my information without permissable purpose. I never gave any written consent to report this information. | null | EQUIFAX, INC. | FL | 33445 | null | Consent provided | Web | 2022-11-08 | Closed with explanation | Yes | null | 6,178,814 |
2018-01-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | Despite several requests to XXXX XXXX XXXX, in addition to the credit reporting agencies of XXXX, Experian and XXXX, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. XXXX XXXX XXXX account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33309 | null | Consent provided | Web | 2018-01-16 | Closed with explanation | Yes | null | 2,783,744 |
2021-08-27 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Problem with a company's investigation into an existing issue | Problem with personal statement of dispute | On XX/XX/XXXX. XXXX the Defendant, XXXX XXXX XXXX had a XXXX meeting with Discover Card Services the Plaintiff in XXXX. District Court before Judge XXXX regarding the illegal filing of a Judgement Lien. State of Michigan XXXX case XXXX was incorrectly heard as a Garnishment Case instead of a Judgement. Plaintiff 's attorneys did file a Judgement Lien with the register of deeds in XXXX XXXX County on XX/XX/XXXX.
The owners of the property the lien was filed on is owned by XXXX XXXX XXXX and XXXX XXXX XXXX, husband and wife by the entireties and in Michigan that prevents a creditor from attaching property owned jointly when their claim is against only one of the parties. Now, Plaintiff should know this as they did it in XXXX and were later chastised for failure to release the lien, which was and illegal use of the law. ACT 236 of 1961 Section 600.2813 allows penalties of {$300.00} for failure to discharge the illegal lien. The law also allows fines of {$5000.00} and 3 years imprisonment as this is a felony under Michigan Law. | null | DISCOVER BANK | MI | 49684 | Older American, Servicemember | Consent provided | Web | 2021-08-27 | Closed with explanation | Yes | null | 4,667,210 |
2021-12-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 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. | CA | 92677 | null | Consent provided | Web | 2021-12-13 | Closed with non-monetary relief | Yes | null | 5,003,523 |
2017-06-12 | 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 | On XX/XX/XXXX my Equifax credit report was showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card which are all in good standing. My credit score was listed as XXXX which really is n't good but this was another issue that I previously filed a complaint on. On XX/XX/XXXX my Equifax report was no-longer showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card. My Credit score has again dropped to XXXX which is getting worse than better. I reached out to Equifax regarding this issue and the response from them was that I need a Credit specialist. So I did meeting with a credit specialist at XXXX XXXX. He couldnt understand why this issue was taking place. I took it upon myself to contact XXXX XXXX XXXX and XXXX XXXX to inquire weather or not that they stopped reporting my history. There response from both companies were the same. They stated that they report to all three credit agencies and would not stop reporting either good or bad information. I am attaching correspondence from my conversations with both XXXX XXXX XXXX and XXXX XXXX. These issues that I 'm having with Equifax is not satisfactory in my book. My next step will need to be seeking Legal Council. All Im looking for is that my credit score be reflect my score of XXXX as it was in XX/XX/XXXX. | null | EQUIFAX, INC. | SC | 29456 | null | Consent provided | Web | 2017-06-12 | Closed with explanation | Yes | null | 2,545,566 |
2023-05-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I sent a Letter on XX/XX/2023, to EQUIFAX, XXXX, AND XXXX to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information with third-party people, much of this information was also mistaken, fraudulent, or perhaps even possible identity theft. These are clear violations of my federally protected consumer rights. | null | EQUIFAX, INC. | MN | 562XX | null | Consent provided | Web | 2023-05-20 | Closed with non-monetary relief | Yes | null | 7,005,231 |
2023-08-22 | 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 am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n. I am entitled to monetary compensation for the damages caused by these violations.
Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transactions that were not initlated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law.
I have already contacted the creditor who is reporting this information and waittng on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report! | null | EQUIFAX, INC. | CA | 93306 | null | Consent provided | Web | 2023-08-22 | Closed with explanation | Yes | null | 7,432,752 |
2018-07-08 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Application denied | I'M WRITING IN REGARDS TO REOPENING MY CAPITAL ONE SECURED CREDIT CARD. I WOULD LIKE TO OPEN MY ACCOUNT.. IM NOT ASKING FOR AN INCREASE BUT IM ASKING TO HELP BUILD MY CREDIT.. THIS CARD HELPED OUT AND IM NT HAPPY ABOUT BEING CLOSED WITHOUT MY CONSENT!! | null | CAPITAL ONE FINANCIAL CORPORATION | FL | 33404 | null | Consent provided | Web | 2018-07-24 | Closed with explanation | Yes | null | 2,956,992 |
2020-07-14 | Credit card or prepaid card | General-purpose credit card or charge card | Incorrect information on your report | Account information incorrect | In 2017-Directly after Hurricane Harvey I was unable to work for a couple months. Since I was a victim of a natural disaster Capital One offered me a temporary payment relief plan. I fulfilled my end and paid it all current directly after it was over. Capital One placed 1 month of 30 days late and 3 months 60 days late on my credit report. I have disputed this multiple times and I receive a letter stating Capital One does not remove negative remarks from your credit report as a customer service. I dont want it removed as a customer service-I want it removed because it is wrong. | null | CAPITAL ONE FINANCIAL CORPORATION | TX | 77008 | null | Consent provided | Web | 2020-07-14 | Closed with non-monetary relief | Yes | null | 3,744,662 |
2019-03-27 | Debt collection | Medical debt | Written notification about debt | Didn't receive notice of right to dispute | On XX/XX/XXXX at around XXXX XXXX, I received a call from a debt collector from National Recovery Agency saying that I owed XXXX XXXX in XXXX XXXX Illinois {$110.00}. they provided no form of mini Miranda, and I told them I would call XXXX XXXX to verify. After calling XXXX XXXX, I immediately checked my credit score which went down 40 or more points because of derogatory marks related to the collection attempt. NRA in my opinion, did not follow the FDCPA by reporting the information to credit bureaus before the 30 day notification period had expired. I am still verifying the status of the alleged debt by XXXX XXXX who never contacted me in regards to the issue. I am concerned that my credit score is being damaged without any notification on both parties part, and that no notice of how to dispute was given to me by the creditor. ( No person shall be deprived of life liberty or property without due process of law ) I called the collection agency to ask who reported it and they said they would resend the notice in 14 days. This is not sufficient since it does no good to get the notification after the fact. Also, the address the debt collector gave me that XXXX listed was not used since XX/XX/XXXX.
If that was the last address used, then the last bill would logically be 8-ish years ago. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | NRA Group, LLC | SC | 291XX | Servicemember | Consent provided | Web | 2019-03-27 | Closed with explanation | Yes | null | 3,192,302 |
2022-05-02 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | On XX/XX/2021, I noticed a pop-up on my computer that purported to be from XXXX telling me that my computer 's security had been compromised. I called the number on the pop-up and was connected to someone who then used a program called XXXX XXXX ' to gain access to my computer. The agent said she would call back the following day with an update. When I didn't hear back, I called the number back and spoke with someone different. They told me that I would be contacted by Bank of America 's fraud department since it was possible that my bank account had been compromised, and gave me the number that would be calling me ( XXXX ). He also instructed me to XXXX the number to verify that it was real, and when I did, I saw that the number was indeed listed as a legitimate fraud reporting number on the Bank of America website. I received a call from that number that day ( XX/XX/2021 ), and was connected to someone who called himself XXXX XXXX XXXX ' He said that he was a Bank of America employee, and that he worked closely with the FTC. He told me that he was concerned about a security breach on my account, and said that he would do everything he could to resolve it. He also asked me if I would be willing to participate in an ongoing investigation they were conducting in partnership with the FTC, but that if I agreed, I would not be able to discuss the case with anyone at all since it was confidential and ongoing. On XX/XX/2021, I called the Bank of America fraud line number that had called me the day before to ask about an update and was again connected to XXXX XXXX XXXX ' He explained that this is a serious threat and provided more information about the investigation. He then called back several times that day, again from the Bank of America fraud line number, to ask more questions about what information I may have on my computer that would compromise my security. On XX/XX/2021, XXXX XXXX XXXX called from what he said was his direct line ( XXXX ) and told me that he had seen suspicious activity on my Bank of America account. He said that the best way to protect my funds, since it was clear that the 'bad actors ' had already gained access to my account, would be to start to move my funds into a 'special account ' that the FTC and Bank of America keeps on reserve for such situations. He told me that he would consolidate any money I moved from my account into the new account, and that it would be safe. For the first move of funds, he asked me to make a wire transfer in the amount of {$14000.00} and {$9100.00} to separate accounts that he told me would temporary havens for my funds, and gave me the information for those accounts. On XX/XX/2021 and XX/XX/2021, I made the wire transfers. 'XXXX XXXX began calling more frequently, once or twice daily, to reassure me that the investigation was moving along and that my transferred funds were safe, while at the same time increasing alarm at the severity of the situation. He began telling me that my cooperation was sparing me from financial ruin, since the 'bad actors ' had all of my information and access to all of my financial assets. I became increasingly frightened, and isolated since I was given strict instructions not to discuss the case, lest it compromise the investigation. On XX/XX/2021, 'XXXX XXXX called and instructed me to make an immediate cash withdrawal of {$9100.00} since he was seeing increasing suspicious activity on my account on 'the backend. ' I did as instructed, withdrawing the funds from a local Bank of America branch, and he then told me to mail the cash via XXXX to addresses in Florida, where he said an FTC agent would collect it and deposit the funds into the 'safe ' account they had set up for me. On XX/XX/2021, he instructed me to withdraw additional cash from my checking account and then mail it to an third address in Florida, this time in the amount of {$22000.00}. On XX/XX/2021, XXXX XXXX instructed me to continue to cash withdrawals to 'protect ' my funds and mail it to a fourth address in Florida, this time in the amount of {$20000.00}, again from a local Bank of America branch XXXX On XX/XX/2021, he called and instructed me to withdraw another {$35000.00}, and that this time, I would be meeting an FTC agent in person for them to collect the funds and deposit them into the new account. I withdrew the cash from a lobal Bank of America branch. That night, I met an individual who claimed to be an FTC agent, and handed him the cash. At this point, my anxiety over the safety of my funds and the doubt I began feeling after multiple delays in 'XXXX XXXX and the FTC giving me access to the 'new account ' finally pushed me to inform my family what had been going on. My daughters called Bank of America 's fraud line, and they confirmed that there was no XXXX XXXX XXXX who worked in the fraud department there. I immediately ceased communication with the scammer. We promptly filed a police report, and a report with the FBI. In all, I transferred {$23000.00} and withdrew over {$86000.00} in cash, all within two months. I never once received a single alert from Bank of America that they were noticing unusual activity on my account, even though I have had this account for over 50 years, never withdrawing more than {$1000.00} in cash in any given month. Although I was regularly withdrawing over {$10000.00}, I never received a notification of a Suspicious Activity Report being filed. If I had received any resistance from Bank of America, or any alert that would indicate what was going on was suspicious, I would have known that the " XXXX XXXX ' I spoke with was not an actual Bank of America employee. We also checked my cell phone records to confirm that the number that I initially called that connected me to the scammer was a legitimate Bank of America phone number. As an elderly woman, and long-time customer of Bank of America , I would have expected more safeguards to protect me from this situation. Instead, Bank of America allowed highly unusual activity to occur on my checking account without even the minimum attempt at keeping my funds secure. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NC | 28211 | Older American | Consent provided | Web | 2022-05-03 | Closed with explanation | Yes | null | 5,530,401 |
2023-07-19 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I recently opened a business account with Chase bank. I deposited three checks made out to my business in the past week. Chase has now frozen all funds in my account, placed holds on my deposits, and is saying they are fraud and trying to close my account without releasing all my funds from the checks. I am now out {$30000.00} and my customers and business partners are also out money while waiting for us to have the money to do jobs. Chase is saying they are unable to verify the checks due to not having a verified number in their system for one of them, and calling two numbers for the other two checks that dont exist for the business that wrote the checks. We have tried asking Chase to call the numbers for both of these business that are listed on XXXX, their website, and we have confirmed numbers for, and they refuse to call those numbers to verify the checks saying Its not verified in their systems. Chase has told us we can not do anything else about this, we will not have access to our money and the account will remain frozen. | null | JPMORGAN CHASE & CO. | IN | 460XX | null | Consent provided | Web | 2023-07-19 | Closed with explanation | Yes | null | 7,275,029 |
2023-01-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. The following personal information is incorrect Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This address belongs to someone else. Delete it from my report immediately.
2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address belongs to someone else. Delete it from my report immediately.
3. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
5. XXXX XXXX XXXX XXXX XXXX XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against
your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve System XXXX XXXX XXXX XXXX XXXX XXXX : Federal Trade Commission 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. | AL | 355XX | null | Consent provided | Web | 2023-01-16 | Closed with explanation | Yes | null | 6,443,956 |
2021-07-29 | Credit card or prepaid card | Store credit card | Fees or interest | Problem with fees | Hi, I ordered some clothing from XXXX ( Comenity Bank ) and returned them when I lost my job from COVID. I never even opened the packaging. They have received everything back and that was confirmed with XXXX, but they are charging me {$78.00} + {$39.00} + XXXX in late fees and also finance charges. I explained to them and have all the correspondence with them whereas I ask them to remove the late charges as I lost my job and can not pay them. The first lady said when we received the last item ( which was backordered - I did tell them not to send to me ) we can go ahead and remove the late fees and finance charges however they are not willing to help me out and I find it crazy to pay late fees for items I retuned as soon as I got them. Please advise. | null | Bread Financial Holdings, Inc. | NJ | 079XX | null | Consent provided | Web | 2021-07-29 | Closed with explanation | Yes | null | 4,584,758 |
2020-11-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... .. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10704 | null | Consent provided | Web | 2020-11-04 | Closed with explanation | Yes | null | 3,936,740 |
2019-09-09 | Debt collection | Payday loan debt | Communication tactics | You told them to stop contacting you, but they keep trying | I received a call from XXXX on Sunday XX/XX/2019. I told them that Sundays were an inconvenient time and to not contact me on the weekend. By informing them of the inconvenience, the laws protecting consumers by the FDCPA should be enforced. Approximately 2 hours later they then called me back continuing to attempt to collect a debt even after they were told Sunday constituted an inconvenient time. They ended up calling a total of 3 times, the first went unanswered but no voicemail was left. | null | CURO Intermediate Holdings | TX | 75038 | null | Consent provided | Web | 2019-09-09 | Closed with explanation | Yes | null | 3,368,171 |
2021-02-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | XXXXXXXX XXXX XXXXXXXX Dispute not available EFX Help mark icon EQUIFAX has opened a dispute on XXXX XXXX Consumer NEVER asked Equifax to open a dispute.
Consumer has NO ISSUES, NO PROBLEMS with XXXX XXXX Equifax is ruining consumers credit history, by FRAUDULENTLY opening a dispute on the account above. | null | EQUIFAX, INC. | NV | 89119 | null | Consent provided | Web | 2021-02-05 | Closed with explanation | Yes | null | 4,118,241 |
2021-07-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I would like to dispute this one item because its killing my report and killing my financial life planning. Killing my score and most important its not mine. Please remove it. | null | EQUIFAX, INC. | KY | 40216 | null | Consent provided | Web | 2021-07-22 | Closed with explanation | Yes | null | 4,568,627 |
2019-02-06 | Student loan | Private student loan | Struggling to repay your loan | Problem lowering your monthly payments | Ive have tried calling Navient over the past year to work out a solution and I am only ever given the option to pay {$50.00} once and then back to the regular monthly payment which is over {$350.00}. I owe about {$29000.00} and my interest rate is extremely high, at 13.5 %. I have repeatedly asked to have a lower interest rate and monthly payment. Navient asks me the same question each time I call and give me no other options no matter how far my account goes past due. They refuse to offer any reasonable, long term solutions. | null | Navient Solutions, LLC. | VA | 23225 | null | Consent provided | Web | 2019-02-06 | Closed with explanation | Yes | null | 3,145,127 |
2021-06-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Our mortgage company is stating that since the state I reside in was deemed as a federal disaster in XX/XX/2021 that FEMA required ALL mortgage companies to report to credit bureaus for anyone with a mortgage that they needed financial assistance to pay mortgages even if they did not need help. We did not need help and told the mortgage company that. As a matter of fact, our payments were made in advance of the Texas Winter Storm. According to XXXX, our mortgage company reported that we were in a loan modification because of the federal disaster and they refuse to report that our payments were made on time for XXXX, XXXX and XXXX of XXXX Credit reports for myself and husband are showing NO DATA REPORTED for those months. Mortgage company advised me this morning that the reported information would not be corrected because that is how FEMA told them it had to be reported. We were NOT under a forbearance or loan modification and all payments were made on time. Even though the no data reporting does not neccesarily hurt our FICO score, it doesnt help it and we arent getting the credit for those payments that are being made. We've had this problem with this company before and their sister company as well. It is frustrating and want it to be corrected and reported accurately. Thank you. | null | CARRINGTON MORTGAGE SERVICES, LLC | TX | 76504 | Servicemember | Consent provided | Web | 2021-06-14 | Closed with explanation | Yes | null | 4,457,812 |
2020-12-02 | Vehicle loan or lease | Loan | Problems at the end of the loan or lease | Unable to receive car title or other problem after the loan is paid off | I bought a new XXXX XXXX XXXX from XXXX XXXX in XXXX, KS in XX/XX/XXXX. I received a loan from Kia Motors Finance. I then paid the vehicle off in XX/XX/XXXX. I wrote a letter to the company certified mail to : Kia Motors Finance Attn : Release of Title XXXX XXXX XXXX XXXX XXXX, CA XXXX Post Office Article # : XXXX Company receive date : XX/XX/XXXX I went to the Kansas DMV on XX/XX/XXXX and the company still hasn't released my vehicle title. I've been waiting on this title for over a year. My advice to everyone is DO NOT get a loan from this company. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | HYUNDAI CAPITAL AMERICA | TN | 37923 | Servicemember | Consent provided | Web | 2020-12-02 | Closed with explanation | Yes | null | 3,987,075 |
2022-03-19 | Credit card or prepaid card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Didn't receive advertised or promotional terms | On or around XX/XX/XXXX i was offered a Citi Miles Ahead savings account with the opportunity to earn up to XXXX miles on XXXX XXXX with a deposit of XXXX i opened the account- when i called to make sure the miles would go into my XXXX account before i funded it- i was told that i was not eligible for that offer -- I closed the account and cut up the debit card which had arrived in the mail that day. The next day in my mail, i receive a pamphlet offering me once again the same- XXXX miles if you fund the account with XXXX I called Citi and after numerous conversations the answer is basically No i am not eligible because i closed the account!!! I could not get anyone to see how insane this was- i closed it because they told me i was ineligible!! - I feel that this is false and misleading and they have no intention of giving customers the miles- Please investigate- CIti.com.
XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | RI | 028XX | Older American | Consent provided | Web | 2022-03-19 | Closed with non-monetary relief | Yes | null | 5,343,453 |
2017-10-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I was on deferment with thin long and in the process of being on deferred loan I Fort was applying for XXXX through XXXX XXXX and during this time that the the customer representative told me that I can get on deferred where I can suspend my payment until they decide if I 'm going to get the XXXX or not both companies were aware that I was applying for this during this time while I 'm waiting they put this on my credit I asked him to put this on I asked them to pull the tape so we could listen to the conversation of what the representative told me. I do n't believe that there are true and correct I have went back and forth with them and that 's what the representative told me and they knew that I was in the process of getting a XXXX and the representative told me that everything would be okay and it would not show A payment | null | EQUIFAX, INC. | TX | 75771 | null | Consent provided | Web | 2017-10-15 | Closed with explanation | Yes | null | 2,702,259 |
2022-09-26 | 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 | I recently review my credit report and there are hard inquiries that I do not recognize. This report is not being filed by a 3rd Party XXXX XXXX Company and this is not a duplicate complaint. Below are the unrecognized Hard Inquiries.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM XXXX 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. | OK | 734XX | null | Consent provided | Web | 2022-09-26 | Closed with explanation | Yes | null | 6,014,823 |
2023-04-02 | 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 | These are the companies that have inquiries on my credit report in which I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, XXXX Verify- XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX, US Department of Education-XXXX, US Department of EducationXXXX XXXX XXXX | null | EQUIFAX, INC. | MI | 48917 | null | Consent provided | Web | 2023-04-02 | Closed with explanation | Yes | null | 6,767,794 |
2020-12-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I send out a dispute letter to all there credit bureau XX/XX/XXXX Equifax, and XX/XX/XXXXto verify all the information that i think are incorrect and wrong i am exercising my rights under fair credit reporting act i gave them 30 days to response and no answer so i want the items to be removed and deleted. | null | EQUIFAX, INC. | FL | 334XX | null | Consent provided | Web | 2020-12-02 | Closed with explanation | Yes | null | 3,984,875 |
2022-10-12 | Credit card or prepaid card | Store credit card | Problem with a purchase shown on your statement | Overcharged for something you did purchase with the card | ComenityXXXX allowed me the card of XXXX. I used XXXX of the card and they closed the card themselves. Also the comenity card which was way fair will not work with me. I have became unable to work and have begged them for a hardship program because I have applied for XXXX and they will not help me. I ask them to close the comenity card and theyve not yet done so and Ive paid and paid on this card and not getting anywhere. I read reviews on the XXXX page and the reviews are bad! I have ask and begged to the point I dont know what to do! | null | Bread Financial Holdings, Inc. | KY | 407XX | null | Consent provided | Web | 2022-10-12 | Closed with explanation | Yes | null | 6,078,561 |
2022-12-22 | 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 | Received a phone call from XXXX XXXX at XXXX on XX/XX/22 for case XXXX. Left messages. His recording states that calls will be returned within 24 hours. No response.
Phoned Elan credit card disputes department again on XX/XX/22 and agent stated that the dispute would be escalated due to no response. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CO | 80302 | null | Consent provided | Web | 2022-12-22 | Closed with explanation | Yes | null | 6,353,548 |
2022-05-23 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | Repeated attempts to collect a debt already discharged in bankruptcy. | Company believes complaint caused principally by actions of third party outside the control or direction of the company | Accelerated Servicing Group LLC | MO | 64093 | null | Consent provided | Web | 2022-05-23 | Closed with explanation | Yes | null | 5,591,548 |
2018-07-03 | Student loan | Private student loan | Dealing with your lender or servicer | Don't agree with the fees charged | Someone needs to do something about American Education Services ( AES ). I do not understand their purpose other than this company is operating similar to a payday loan company. Even though I have verified that I am on XXXX, AES continues to increase the interest every month, and both loans of {$3300.00} each which total {$6600.00} has ballooned up to {$17000.00} ( see attached statement ). Why is the Department of Education allowing this thievery? When a student contacts the Department of Education it only hears " crickets. '' AES will not make adjustments to their loans for XXXX students as XXXX. They are sticking to their guns -- making money. From its actions, AES does not expect this student to ever pay off this loan because as the interest rate increases, this student is getting older ( at XXXX years old ) and income will continue to decrease. AES refuses to accommodate XXXX students other than a decrease in graduated payments. No decrease in interest rate, no adjustment in loan amount, no change in payment classification ( graduated payments ), etc. as XXXX. This student has limited income and even though AES has decreased the payments to {$50.00}, the interest continues to accumulate and the loan amount increases. At the rate AES is going, in 20 years the loan amount will be almost {$50000.00} for a {$6600.00} initial loan. This student 's original payments were {$74.00} two years ago and kept increasing up to {$89.00} until I made AES aware that I am on XXXX. In response to this awareness, AES only decreased the graduated payments to {$50.00} a month with continued increase in interest to assist the student. Where is the logic? | null | AES/PHEAA | AL | 35124 | null | Consent provided | Web | 2018-07-03 | Closed with explanation | Yes | null | 2,952,306 |
2020-04-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is an account which has been discharged and dismissed under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. I was unaware of the account on my file until I wanted to get an update on my scores | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89081 | null | Consent provided | Web | 2020-04-28 | Closed with explanation | Yes | null | 3,626,339 |
2021-07-24 | 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 | I had to make a down payment before the item was sent I received the item it was broke I sent the item back have yet to receive any kind of credit and have also made several payments without it showing on my account | null | Colony Brands, Inc. | KY | 40229 | null | Consent provided | Web | 2021-08-18 | Closed with explanation | Yes | null | 4,571,187 |
2020-09-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have had problems with the credit reporting agency removed the items off my report and allow a company to put it back on Equifax i was a victim of identity theft and i have sent them so many documents proving all this over and over the company is XXXX and they sold the account to a collection agency and the information is not mine they took it off twice and it is back again also XXXX XXXX same issue they dont have my social in there system only my name. XXXX is on all three report im so tired of waiting on them to put it back in despute over and over this is not fair and they are not doing things according to the fair credit act. And XXXX has inquiries on my report from identity theft and they date back XXXX year i have sent all documents in I want them removed. This is too much stress to much. | null | EQUIFAX, INC. | TX | 770XX | null | Consent provided | Web | 2020-09-04 | Closed with explanation | Yes | null | 3,830,663 |
2020-07-15 | Checking or savings account | Other banking product or service | Managing an account | Deposits and withdrawals | I received a sum of money ( {$4300.00} ) on my account, right before cashing it out, my financial institution closed up my account, I complained and mailed but no help and Im seriously i need of funds These all happened on Monday XX/XX/2020 2020 | null | Square Inc | TX | 76086 | null | Consent provided | Web | 2020-07-15 | Closed with explanation | Yes | null | 3,746,564 |
2019-06-19 | Debt collection | I do not know | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | This issue began when XXXX XXXX XXXX, a debt buyer, purchased or otherwise acquired a disputed account from XXXX XXXX. I have requested numerous times that XXXX XXXX verify the debt owed with documentation ( not their bills which proves nothing ).
I have requested documentation in compliance with the FDCPA and according to the FCRA. These requests have fallen on deaf ears and no such documentation has been provided by them.
I further have asked for method of validation used to determine accuracy. I asked for an itemized listing of charges/debits and an affidavit. these documents were not provided and the company is using my SSN and other data to report this on my consumer credit files.
I was contacted from Messerli & Kramer PA on behalf of XXXX XXXX XXXX and informed that I am being sued for damages pertaining to a {$1200.00} debt. the paperwork states that I am to present myself in court, or to pay them a settlement.
I find it unethical in the extreme that I am dismissed and then sued, and pressured to hire attorneys which I can't afford, or waive my rights and agree to pay them for an account I challenge and do not recognize. I am an older woman and do not have access to legal representation. I need assistance in this matter. | Company believes it acted appropriately as authorized by contract or law | Messerli & Kramer P.A. | WI | 547XX | null | Consent provided | Web | 2019-06-19 | Closed with explanation | Yes | null | 3,280,474 |
2023-01-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Re : CFPB Portal XXXX Re : XXXX My dispute was sent thru CFPB Portal and was received by TransUnion credit bureau XX/XX/XXXX with an interim response on XX/XX/XXXX.
On XX/XX/XXXX they responded with a response and closed investigation.
This delayed response, 41 days, that is beyond the FCRA required 30 day of Due Process requires the CRA to remove requested data from my Credit Report.
I now request a new copy of my credit report with deletions and updates.
I feel I have provided more than the required amount of time allotted by the FCRA for this dispute and NOW I am demanding this incorrect information be removed from my credit report.
Please provide my NEW corrected report with the required deletion this week. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 754XX | Servicemember | Consent provided | Web | 2023-01-16 | Closed with explanation | Yes | null | 6,439,517 |
2021-07-03 | Checking or savings account | Checking account | Managing an account | Fee problem | My bank is taking full advantage of unemployed people. I have a transaction that I tried to stop. I was waiting for my unemployment direct deposit and noticed that my credit payment was automatically coming out. I tried to stop the automatic debit but was told that the transaction cant be stopped, I called my bank and I was told that they cant blockage transactions I had to wait for the charge to hit my account, once the chats get hit my account I called my bank again and was told that nothing can be done because it was pending. By then I was finally able to remove my banking information from my credit card profile. My bank charged me XXXX over draft fees and when my unemployment came in I had to pay XXXX {$36.00} fees. This should be illegal because I desperately tried to alert my bank to no avail and most of my unemployment check went to their fees. Im a single mother of XXXX and couldnt pay a bill because of this. This has happened more then once at this bank. Even if I call them and they refund transactions I swear within a couple of days they are back on my account. | null | Synovus Bank | GA | 30132 | null | Consent provided | Web | 2021-07-03 | Closed with explanation | Yes | null | 4,512,554 |
2018-07-12 | 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 | Chase credit card advertises a lot of benefits to their customers. One of their top benefits include " travel protection '' and they state on their " Travel confident and " shop with confidence. '' We had booked a resort in XXXX, XXXX through a small travel agency. We paid three separate transactions ( {$840.00} + {$840.00} + {$340.00} ) totaling {$2000.00}. We made first payment of {$840.00} on XX/XX/XXXX and 2nd payment on XX/XX/XXXX and 3rd payment of {$340.00} on XX/XX/XXXX. We had booked a Deluxe Gold King size bed and paid a good amount of money just for 5 days resort stay only. When we arrived at the resort, the staff told us that our room was booked as a standard 2 beds and not a Deluxe Gold King. We contacted our travel agency and they said they somehow by mistake booked a standard double beds and not the other. The resort said that was the only room available at that time they were all booked. Me and my wife are traveling with our XXXX XXXX old baby so we decided to accept whatever they had for our convenient because we can not cancel the room and just return back to state with a baby. We also notified our travel agency at that time that we need to be compensated because we're not getting what we paid for. Additionally, the next day of our stay, our AC was completely out in one of their whole building. They said they would fix the issue in few hours but we had to stay for hours without the AC with our infant baby. We had to switch the rooms two times with our infant baby. We checked in on XX/XX/XXXX in room XXXX. AC went out building 9 and we changed rooms on XXXX around XXXX to room XXXX. After couple hours AC went out in building 6 and we complained all day they said resort is full. We Complained again at XXXX in the morning, maintenance guy came and told receptionist building XXXX AC is out so only room available was building XXXX room so at XXXX we got moved second time into XXXX. The hotel supervisor named XXXX informed us that our travel agency will get reimbursed and we would get compensated for our inconveniences and we will get reimbursed through our travel agency because we paid our charges through our travel agency. After we came back home, I emailed our travel agency and XXXX said she will try her best to get us compensated from the resort and she will get back to us soon. As of XX/XX/XXXX, we have not heard back from our travel agency and we believe we were cheated by our travel agency. We decided to dispute these charges with Chase ( assuming chase was on our side ) because number 1, we didn't get what we paid for and number 2, we didn't have AC at a resort for 3 days staying with our XXXX XXXX old son it was difficult. To conclude, after dispute and sending all proof of documents, Chase said they will not help us fight these charges and they are considered a valid charges and they strictly can not help us. I believe chase did not take their time to investigate this case and came to a conclusion. The resort said they compensated our travel agency and we have not received any reimbursement from our travel agency neither they're not being cooperative. I regret I used a chase credit card because being a chase credit card customer, i rely on Chase as they stated " shop with confident '' or " Travel with confident. '' | null | JPMORGAN CHASE & CO. | VA | 22405 | null | Consent provided | Web | 2018-07-12 | Closed with explanation | Yes | null | 2,961,065 |
2018-12-11 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Can't stop withdrawals from your account | I am writing about ameris bank and manager XXXX XXXX who was let people inbesele XXXX XXXX in and out of my account I had fought and I had taken a bank check for the money I had from social security fraud that XXXX XXXX was doing with XXXX XXXX in XXXX XXXX county XXXX Florida and now i'm in XXXX XXXX and my credit dropped because of ameris I a a credit card that was insured on my account which had the money on u bank insured for XXXX I am XXXX and I can't have that much money in my name so I had to take it out to prove what has been going on with my accounts I had 2 with them | null | AMERIS BANCORP | NY | XXXXX | Servicemember | Consent provided | Web | 2018-12-17 | Closed with explanation | Yes | null | 3,096,260 |
2023-06-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$510.00} 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77084 | null | Consent provided | Web | 2023-06-02 | Closed with non-monetary relief | Yes | null | 7,056,730 |
2017-07-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX XXXX responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they XXXX and Equifax both state my last payment was made on XX/XX/XXXX and my balance is over 19,000.00. XXXX states they manually updated my correct Balance. You will also see in the screenshots that Equifax just updated my report on XX/XX/XXXX and the balance still is over 19,000.00 and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation. | null | EQUIFAX, INC. | NC | XXXXX | null | Consent provided | Web | 2017-07-08 | Closed with explanation | Yes | null | 2,568,851 |
2023-06-23 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Can't stop withdrawals from your account | A check in the amount of XXXX was deposited into this account On XX/XX/XXXX. Our company name was XXXX XXXX XXXX. Our trade names are " XXXXt '' and " XXXXf XXXX element ''. The landlord wrote the check to one of our trade name " XXXXt ''.
Unfortunatelly that's where went wrong with this bank. they put a hold on the money right away and said they are doing fraud investigation. They never asked any material from me and every time i called, they would say it should be done soon.
Then suddenly on XX/XX/XXXX. The money was withdrawn from my account and my account was closed. they didn't even give me any clue where the money went. they just say it is their policy the money was sent bank to the original landlord. the landlord didn't receive them at all as recently as XX/XX/XXXX.
They behave so badly that every time I called, they just repeated the same answer. the money was returned to landlord but they don't know how and when.
Landlord said they don't receive it, I am just a hopeless regular person who spent over XXXX XXXX asking for his own money. I really wish someone who know the case to sue them for their reckless and careless act.
Please request all the video records that I had with them. I am very polite while they just treat people so unfairly, especially towards minorities. | null | CAPITAL ONE FINANCIAL CORPORATION | MD | 210XX | Servicemember | Consent provided | Web | 2023-06-23 | Closed with monetary relief | Yes | null | 7,158,291 |
2021-12-10 | Debt collection | Medical debt | False statements or representation | Attempted to collect wrong amount | I had an on-duty injury as a firefighter for the City of XXXX Fire And Emergency Services on XX/XX/17. The city did not pay the bill or did not pay in a timely fashion. I have had a debt collector come after me and erroneously report to the credit bureaus that I did not pay the bill, a bill that I was not responsible for paying.
It is my understanding that what those debt collectors are doing is illegal under Virginia Law. The debt collector is XXXX XXXX XXXX XXXX. The contact on the credit bureau is I was transferred to an offshore ( XXXX ) when I called the creditors number. I was told that the the client was XXXX XXXX XXXX and nationwide recovery system.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX | null | Nationwide Recovery Systems, Ltd | VA | 23111 | null | Consent provided | Web | 2022-01-04 | Closed with explanation | Yes | null | 4,995,499 |