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2018-10-27 | 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 | In XX/XX/2018, I had a secured XXXX XXXX credit card that I have maintained for over a year. A few days following, one of the credit bureaus filed an alert that stated that my XXXX XXXX application was fraudulent, which prompted XXXX XXXX to close my account followed by a phone call from them to inform me of the closure of my account. I was extremely livid about the action. My credit score and report suffered as a result of this action. I filed a complaint with the Fair Credit Reporting Bureau against all three bureaus because I did not know which bureau filed the false claim on my account. XXXX and XXXX replied to the complaints in a timely manner, stating that they did not make a claim of my account being fraudulent. But Equifax never replied, hence discovering who had the most probable cause with committing this transgression against me and my credit standing. I tied reaching out to Equifax on multiple occasions by phone and and online, but no one bothered to reply. I filed a claim against Equifax with the Illinois Attorney General 's office, but after a few months of waiting for a reply from Equifax and only receiving one reply from the, which probed me for additional information, I was unsatisfied with their response. The Attorney General 's office closed my case because they claimed that there was not much of anything else that they could do. Now, I am seeking damages for Equifax 's actions that damaged my credit score and report | null | EQUIFAX, INC. | IL | 60202 | null | Consent provided | Web | 2018-10-27 | Closed with explanation | Yes | null | 3,058,376 |
2017-10-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have asked for validation for XXXX, and XXXX XXXX as I am no longer responsible for these accounts. I have called they credit card companies and am still instructed that disputes have to go through the credit reporting agencies. I am no longer liable for XXXX account, XXXX account, nor capital XXXX account. I have asked the reporting agencies if they can not furnish proof that these damaging accounts belong to me and are 100 % accurate they must be removed. | null | EQUIFAX, INC. | NY | 10463 | null | Consent provided | Web | 2017-10-06 | Closed with non-monetary relief | Yes | null | 2,694,479 |
2017-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Hello, Equifax is allowing an inaccurate reporting on the XXXX account in my credit file. The balance on this account is {$3400.00}. This account was charged off. This account also was cancelled/forgiven by sending the IRS and myself a XXXX in XXXX with an identifiable event code G, the decision or policy to discontinue collection. Equifax allowing XXXX to verify this balance on my report is a form of " Collection ''. After cancelling/forgiving this debt the balance should be then updated to {$0.00}. This is a failure to timely update the credit report required under FCR A 623 ( a ) ( 2 ). Included a have a formal copy of my XXXX XXXX from XXXX with all supporting info that this debt was cancelled/ forgiven/ extinguished. Also included is a copy of my drivers license and social security card for identity verification. This was last disputed with Equifax on XXXX / XXXX / XXXX via case number XXXX . | null | EQUIFAX, INC. | NC | 283XX | null | Consent provided | Web | 2017-05-04 | Closed with non-monetary relief | Yes | null | 2,475,668 |
2017-06-27 | 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 | Santander Consumer USA improperly performed an inquiry without my authorization. | null | Santander Consumer USA Holdings Inc. | MD | 20910 | null | Consent provided | Web | 2017-06-28 | Closed with explanation | Yes | null | 2,560,026 |
2019-11-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX is re-aging and fraudulently reporting incorrect information on all three of my CBI 's and directly impacting my ability to obtain a mortgage. XXXX is reporting the date first major delinquency reported as XX/XX/XXXX. XXXX is also reporting major delinquency XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. None reported as XX/XX/XXXX. Second, the account is not late 189 days. The account is not in collections. XXXX charged the debt off after they were advised the charges were based upon fraud and forgave the debt. This conduct is retaliation on the part of XXXX. | null | EQUIFAX, INC. | TN | 37075 | null | Consent provided | Web | 2019-11-14 | Closed with explanation | Yes | null | 3,438,565 |
2016-12-21 | Debt collection | Medical | Disclosure verification of debt | Not given enough info to verify debt | I have an unverified account from AMCOL. I had previously disputed this account. I have never done business with AMCOL. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMCOL Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMCOL Cease and Desist all further communications and collection actives and provide the verification of the purported debt. | null | AMCOL Systems, Inc. | OH | 43219 | null | Consent provided | Web | 2016-12-21 | Closed with explanation | Yes | No | 2,259,648 |
2022-04-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX XXXX XXXX has made it harder for me to obtain loans and get help in this hard time reporting false information to XXXX, and trans union causing damage to my credit score making it even harder to provide for my family it's been very stressful. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94590 | null | Consent provided | Web | 2022-04-02 | Closed with non-monetary relief | Yes | null | 5,400,069 |
2022-07-14 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | After opening a new account earlier this month, I deposited my very next paycheck via mobile upload. I was fully expecting to wait a few business days for access to my money. After 5 days, and letting my account go into withdrawal, I looked closer at my account, and was notified that on XX/XX/XXXX .... 12 days after depositing my check, my money will be available. If I had been notified beforehand, or upon completion of the upload of my check, that this would be the case, I would have decided differently. Like most people, I live from paycheck to paycheck. I am a nurse who drives to work, and must purchase gas and food for the next XXXX weeks, until my next paycheck. I can not afford this extreme surprise so early in our relationship. I went to the bank in person, and was told there was nothing they could do. No concern for how I'll live or eat or commute for the next XXXX weeks, no looking into any way of resolving this issue. No attempt to provide options. I felt like a XXXX in a new place where I hoped to save money, and grow it while making life a little bit easier.
Quite the opposite was what i found.
I have since had to borrow money to buy gas and food and utilities. Rent is not due for another XXXX weeks. I am so glad. This could have put me in the streets. Thank you for listening, and providing a way to be heard. | null | JPMORGAN CHASE & CO. | CO | 808XX | null | Consent provided | Web | 2022-07-14 | Closed with explanation | Yes | null | 5,769,844 |
2022-05-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC. | null | EQUIFAX, INC. | FL | 34207 | null | Consent provided | Web | 2022-05-02 | Closed with explanation | Yes | null | 5,527,204 |
2023-03-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States 1 have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate | null | EQUIFAX, INC. | PA | 19134 | null | Consent provided | Web | 2023-03-11 | Closed with explanation | Yes | null | 6,680,855 |
2023-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the ACCOUNT that need to be removed from my file : XXXX XXXX XXXX Balance : {$930.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89044 | null | Consent provided | Web | 2023-06-08 | Closed with non-monetary relief | Yes | null | 7,082,630 |
2019-05-13 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I have tried to fix this as whoever did this had used mine and my wifes info and we are very upset as we have dealt with this issue so long and the have done a charge off but it is still on our report and making problems, my wife and i have always paid everything and not sure what is going on help us get this removed from our report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | OH | 454XX | null | Consent provided | Web | 2019-05-21 | Closed with explanation | Yes | null | 3,240,571 |
2018-02-21 | Student loan | Private student loan | Dealing with your lender or servicer | Trouble with how payments are being handled | On XX/XX/XXXX XXXX XXXX XXXX called me regarding payments on my student loan with Navient ( formerly XXXX XXXX ). I set up a payment arrangement of {$150.00} for 5 years. On XX/XX/XXXX I noticed that my payments were no longer being deducted from my checking account. When I called XXXX XXXX XXXX, I was informed that my loan was recalled to Navient. I got no correspondence regarding the recall. I was told to call Navient. So, I called Navient, they game me the address of the XXXX XXXX XXXX. This is where I was supposed to send my payment. My XX/XX/XXXX was cashed and credit to my account. My XX/XX/XXXX payment has not been posted or cashed to my account. I called Navient on XX/XX/XXXX, they informed me that my payment wasn't cashed b/c my account is in litigation with bankruptcy court. Once again, I have no correspondence regarding this and no one at Navient can help me with my account. All I'm asking is for Navient to honor my payment arrangement, update my account, cash my checks and provide me with an explanation as to what is going on with my account. | null | Navient Solutions, LLC. | PA | 193XX | null | Consent provided | Web | 2018-02-21 | Closed with explanation | Yes | null | 2,821,631 |
2022-09-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting and XXXX XXXXXXXX Account # XXXX, XXXX Funding Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. states I have a right to privacy.
15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions | null | EQUIFAX, INC. | MI | 48322 | null | Consent provided | Web | 2022-09-28 | Closed with explanation | Yes | null | 6,029,173 |
2022-05-16 | Debt collection | Payday loan debt | Written notification about debt | Didn't receive notice of right to dispute | I was notified by XXXX XXXX XXXX XXXX XXXX that an owed balance of {$300.00} was placed in collections for a Speedy Cash loan that is more than XXXX years old. I was not formally been notified about the debt, prior to the call or prior to the debt being placed in collections.
It was not identified if these people own the debt or are a collection agency. | null | CURO Intermediate Holdings | CA | 95687 | null | Consent provided | Web | 2022-05-16 | Closed with explanation | Yes | null | 5,568,245 |
2023-09-08 | 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 | I am currently in the process of trying to buy a home and pulled my credit report and realized there are a lot or fraudulent activities of identity theft on my report. I filed an FTC report to have these removed due to law 15 u.s.c 1681 there should be no damages to my report as this is XXXX defamation to my character and they have refused to remove these items. XXXX, XXXX and TransUnion have all Refused to remove these after numerous attempts. The fraud happened in cities and states I have never been to and I would like these removed from my credit report as they do not belong to me. This is hurting me from being able to purchase a home my current home is being sold and without these off my report I do not qualify for a mortgage. After multiple attempts these companies refuse to investigate and remove these from my credit report this is a defamation to my character I have sent these twice to each company and I will upload two separate copies of two separate reports that were made. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 43612 | null | Consent provided | Web | 2023-09-08 | Closed with non-monetary relief | Yes | null | 7,520,182 |
2023-02-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : Account # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28376 | null | Consent provided | Web | 2023-02-24 | Closed with explanation | Yes | null | 6,614,088 |
2021-04-16 | Debt collection | Medical debt | False statements or representation | Attempted to collect wrong amount | i have tried contacting XXXX XXXX numerous of times about false debts on my credit. these debts are affecting my credit and theses debts are not mine. they harrassed me and threated to put these debts on my credit even after explaining numerous of times these are inaccurate. They had a 3rd party to send me letters of balances and procedures that arent mine which i a violation of HIPPA as i did NOT give permission to give out any information. | null | RevMD Partners, LLC. | SC | 29681 | null | Consent provided | Web | 2021-04-16 | Closed with explanation | Yes | null | 4,303,298 |
2017-07-26 | 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 called XXXX and told them it 's a lot of unauthorized inquiries on my credit and that I called some of them on my credit and the number disconnect and some of them do n't have i number the representative told me it 's nothing that they can do and I told them that the company on my credit report multiple time and the representative hang up the phone so I called back and told them the same thing and XXXX have my name wrong on my credit report and my address and I been calling them like 5 times a day to get this right | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32244 | null | Consent provided | Web | 2017-07-26 | Closed with explanation | Yes | null | 2,586,058 |
2023-08-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I pulled my credit report just to see that there was a fair amount of inquiries to my credit report. In the Attachment, it will be a list of accounts along with the date of inquiry. These inquiry accounts are fraudulent and not mine. I did not authorize or initiate any of the inquiries. I also wanted to add XXXX XXXX XXXXXX/XX/2023 which is an auto finance inquiry. | null | EQUIFAX, INC. | FL | 33461 | null | Consent provided | Web | 2023-08-15 | Closed with explanation | Yes | null | 7,405,292 |
2022-02-26 | Checking or savings account | Checking account | Managing an account | Problem accessing account | I called Truist and waited on hold for an hour and a half to speak to someone. I am unable to log in to their website because I closed my account with them. The reason I closed my account with them is because of their horrible customer service. In NO WORLD will a client wait that long to be helped by their bank on a routine basis. They offer no other way to get in touch, and this ultimately locked up my money in the case I had any questions whatsoever. I needed to download a copy of my statement for this closed account. The statement date I need is for XX/XX/XXXX. It would be the one after the one dated XXXX and the one before XXXX. I spoke with XXXX in XXXX, NC on XX/XX/XXXX at XXXX. She was unable to help in any way which is not acceptable. THIS IS A SMALL BUSINESS ACCOUNT. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | MD | 21043 | null | Consent provided | Web | 2022-02-26 | Closed with explanation | Yes | null | 5,265,123 |
2023-09-29 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11226 | null | Consent provided | Web | 2023-09-29 | Closed with non-monetary relief | Yes | null | 7,639,123 |
2022-04-24 | Debt collection | Other debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | This company has done nothing but harass me over a debt with XXXX they believe I owe. I got a new XXXX, had the plan for a month and got the shut off email ( which I still have and will attach- notice the year, its XXXX ). One month of service with XXXX just wasnt affordable for me and I closed the account. I got countless intimidating letters from attorneys threatening to sue me. Ive been dealing with this company textbook harassing me but now this, its just the straw that broke the camels back. They put actual lies on my credit report, under MY name. All of a sudden the account is open? HOW MANY TIMES DO I HAVE TO CLOSE IT. Not to mention its a completely different year as well. I have disputed this collection on my credit report so many times and I know Im not being treated fairly- nothing is being done. I refuse to sit here and let this bully of a company put literal lies about me. Also shame on XXXX and XXXX, who couldnt investigate this effectively the first time. The bottom line is they turned my service off a month after I got the plan and continued to charge me month after month for service I was not receiving. | null | CL Holdings LLC | PA | 179XX | null | Consent provided | Web | 2022-04-24 | Closed with explanation | Yes | null | 5,491,008 |
2020-02-15 | 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 | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, Chairman American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX American Express Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX cc : XXXX Refund request {$530.00} My husband and I booked a hotel in XXXX via the XXXX booking site. Before confirming the booking at XXXX XXXX, I called the hotel and talked to the manager XXXX. I was assured that there were no stairs at a side entrance of the hotel. I stressed that my husband was in a XXXX that weighed over 200 pounds. It is a motorized and expensive XXXX and I explained that carrying up any amount of stairs is out of the question. Again I was assured there were no stairs at a side entrance and my husband would be able to drive in and take an elevator up to the room. With this assurance from XXXX I booked the room for 3 nights via the XXXX site.
When we arrived, the hotel sent 2 maintenance workers to help us find the location. It was around XXXX XXXX and with the darkness and various mazes of streets in old XXXX, it was difficult to find our way. The employees of the hotel first took our luggage and returned for us. When the employees of the hotel returned for us, I had my husband out of the van. When they saw that my husband was in a XXXX they immediately shook their heads and told us that although there is an elevator to take us to our room, there is first a number of stairs we need to climb to get to the elevator. They told us it would be impossible to do since the chair is so very heavy. They called the front desk and explained the situation and there was nothing the front desk could do to help. We were told there was no ramp to the elevator and my husband would not be able to enter the hotel. I then asked if they could help us find other accommodations and they said their reservation desk was closed for the night. The two young employees went back to the hotel and returned with our luggage.
My husband and I spent the night in the van. We called various hotels in the area but there was nothing available. The night staff was limited in most hotels in the area and everyone told me to call back in the morning.
XXXX and XXXX XXXX now insist that we decided not to stay at the hotel and should be forced to pay the 3 night charge. They insist it was our decision to leave and that their policy is any cancellation on our part should be given 3 days in advance. My question to both XXXX and XXXX XXXX is why would I cancel if I was told there would be no difficulty in entering the hotel. Why would I cancel when I called the hotel months in advance and was assured by XXXX that there are no stairs at a side entrance? All this was false information and therefore I would not have known to cancel 3 days in advance of arrival. I arrived in good faith and at that point found out that I was lied to and given false information. Why would I leave the property at XXXX XXXX and sleep in a rental van if there was a way to get to a room with a bed and bathroom. Therefore, I will not pay for these charges. XXXX and XXXX XXXX should be taken off the booking sites. I will forward this information to all booking sites so that future travellers are aware of this problem we had. Social media should flag XXXX and XXXX XXXX.
Sincerely, XXXX XXXX | null | AMERICAN EXPRESS COMPANY | NY | 10598 | Servicemember | Consent provided | Web | 2020-02-15 | Closed with monetary relief | Yes | null | 3,532,899 |
2023-05-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | NV | 89139 | null | Consent provided | Web | 2023-05-01 | Closed with non-monetary relief | Yes | null | 6,912,501 |
2021-05-06 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | I made a payment over the phone via automated payment, and I put a payment of XXXX dollars and didn't realize the payment was missing XXXX cents. Because of the missing XXXX cents it marked my payment history as late. This was an error. | null | Roadrunner Account Services, LLC | FL | 33196 | null | Consent provided | Web | 2021-05-06 | Closed with explanation | Yes | null | 4,356,191 |
2020-04-23 | Student loan | Private student loan | Struggling to repay your loan | Can't get other flexible options for repaying your loan | I graduated in 2012 and have been making payments monthly for a {$7500.00} Discover Student Loan. My current payoff is {$9800.00}. I have already paid $ XXXX towards this loan. That breaks down into {$1300.00} going towards principal and roughly {$7500.00} paid towards the interest. The interest alone is more than the original loan. So I asked them about lowering my interest rate or allowing me to refinance so that I can pay down more on the principal. The ONLY offer they have for lowering the interest rate is to save a quarter percent by switching to Auto Pay. They will not allow me to refinance with them and because of this loan I can not get another loan to cover it. I will end up paying triple for this loan and not even pay it off until I'm in my 50s.. Please help! | null | DISCOVER BANK | PA | 167XX | null | Consent provided | Web | 2020-04-23 | Closed with explanation | Yes | null | 3,618,953 |
2016-02-10 | Debt collection | Credit card | Cont'd attempts collect debt not owed | Debt was paid | when I was unemployed I made my payment and it was fully paid | Company believes it acted appropriately as authorized by contract or law | Pressler & Pressler, LLP | NY | 11368 | null | Consent provided | Web | 2016-02-10 | Closed with explanation | Yes | No | 1,781,908 |
2023-06-27 | Credit card or prepaid card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Confusing or misleading advertising about the credit card | I opened an Indigo credit card from a XXXX XXXX suggestion back in early XXXX, I believe XX/XX/XXXX. They shipped my card and I received it around the XXXX of XXXX of XXXX.
I read the terms in the envelope and there is a provision stating that I can pay off the balance after using the card and cancel it prior to my first statement closing and avoid the annual fee of {$75.00} on a card with a {$300.00} limit. Understanding that I activated the card around XX/XX/XXXX so it would be reasonable for the first statement to cycle on or around XX/XX/XXXX right? ... Nope. The closed my first statement within FOUR days of activating the account/opening the card.
So as of XX/XX/XXXX my " first statement was issued '' circumventing the terms we agreed to and nullifying that provision locking me into being responsible for the {$75.00} annual fee. I didn't want the card and was planning to pay it off and cancel it prior to being opened for 30 days, but of course these subprime credit cards that should be illegal have figured out back-doors to the law and started with this type of unfair and potentially fraudulent behavior. These actions for them to do this is exactly why the Dodd-Frank Act was passed.
I wish for Indigo to close my account, refund the {$75.00} annual fee along with any other fees or interest charged and of course delete the record from all bureaus. They are intentionally closing statements as soon as the card is activated to avoid consumers exercising their rights.
PLEASE CFPB see what they are doing and hold them accountable. This is no different than many bank behaviors that led to XXXX. | null | Genesis FS Card Services, Inc. | NV | 89044 | null | Consent provided | Web | 2023-06-27 | Closed with explanation | Yes | null | 7,172,908 |
2022-02-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | WI | 53711 | null | Consent provided | Web | 2022-02-15 | Closed with non-monetary relief | Yes | null | 5,223,349 |
2019-11-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have spent time and money on getting this resolved. The story and details are very extensive but long story short : I returned equipment in XXXX and asked for services to be turned off after I moved out of my parents home 'after ' the billing cycle was done but, XXXX kept services on. I did not find out until XXXX when I pulled my credit report and I contacted the Collection Agency and also disputed many times unsuccessfully. I finally contacted the Original Creditor, XXXX and resolved the matter directly with them and the representative told me that this debt would be recalled since there are many inconsistencies an I paid them directly. Waypoint updated as paid but this should have been removed since XXXX recalled the debt. I disputed and today XX/XX/XXXX the results were " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' this does not meet requirement of the Fair Credit Reporting Act. Please help me Waypoint is damaging my credit report incorrectly. | Company believes it acted appropriately as authorized by contract or law | Waypoint Resource Group, LLC | CA | 94621 | null | Consent provided | Web | 2019-11-05 | Closed with explanation | Yes | null | 3,429,271 |
2022-10-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | XXXX XXXX and XXXX XXXXXXXX XXXX XXXX are the same set of people acting as seller and lender, the operate in the same office and compound, they sold a land for {$47000.00} and the property was appraised for {$500.00}. They threaten me with my credit score and foreclosure when I reached out to them amicably. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 75189 | null | Consent provided | Web | 2022-10-04 | Closed with explanation | Yes | null | 6,051,314 |
2022-10-08 | Credit card or prepaid card | General-purpose prepaid card | Problem with a purchase or transfer | Charged for a purchase or transfer you did not make with the card | On XX/XX/XXXX, on the same day of realizing, I reported that my vanilla gift cards were stolen from my office by either one of my employees or one of my customers. I called the company who distributes the card on XX/XX/XXXX. They stated The entire cycle can take 45-90 days, however, some cases are resolved before then.
The Electronic Funds Transfer Act states that they : - Must investigate the error and resolve it within 45 days ( which is be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | Incomm Holdings Inc. | GA | 315XX | null | Consent provided | Web | 2022-10-08 | Closed with explanation | Yes | null | 6,065,003 |
2018-12-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | To whom this may concern, I contacted XXXX XXXX XXXX XXXX over 60 days ago when I noted a suspicious mark on my credit report. I tried to communicate with the collection company and asked for written verification of the debt. There are two major issues. One, the debt does not exist. Two, I have a recorded phone call the day I cancelled my account. The company who sent my account to collections continued to collect weeks after my account was closed. A search on both here and XXXX would show numerous complaints similar to mine. No written verification was ever sent to me. Under FCRA this debt is now listed illegally and unverified. My records also show this debt as invalid. Since I've received no remedy from Transunion, XXXX or XXXX and no willing participation from the company collecting this debt, I will be filing in small claims to resolve this matter. I will be collecting under the governing laws you have broken.
This letter is a last attempt to correct this matter before taking this matter further.
Sincerely, XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OR | 97701 | null | Consent provided | Web | 2018-12-07 | Closed with explanation | Yes | null | 3,094,164 |
2020-08-19 | 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 | I tried to dispute a {$10000.00} for services that weren't rendered in XXXX and it still hasn't been resolved. I've sent letters from attorneys, receipts, buy sale agreement, second opinion letter, email where owner of company offered to refund my money and where my attorney and I accepted. I have provided capital one with everything they asked for and spent money on attorney fees and still on going | null | CAPITAL ONE FINANCIAL CORPORATION | IN | 46062 | null | Consent provided | Web | 2020-08-19 | Closed with explanation | Yes | null | 3,803,717 |
2021-05-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. | null | EQUIFAX, INC. | FL | 33710 | null | Consent provided | Web | 2021-05-05 | Closed with explanation | Yes | null | 4,355,227 |
2022-09-19 | Checking or savings account | Checking account | Managing an account | Problem accessing account | I deposited a check on Saturday, XX/XX/2022. On XX/XX/XXXX, I checked the account online and the check cleared, everything looked normal. I tithed on the check using XXXX. The next day, XX/XX/XXXX, my debit card was denied at the supermarket.
When I spoke with XXXX at the bank, she asked what the check was that I deposited, I asked to speak with the Manager. After I arrived home by bus, I called and spoke with the Manager, who disparaged the check, saying it looked fake, and questioning the city in Maine where it originated, he insisted I received a voicemail message on XXXX XX/XX/XXXX, but I didn't.
XX/XX/XXXX, I spoke in person to another bank Manager who called the Manager of the first bank, he asked if I was expecting the check and if I knew the amount, I affirmed both. He told me it could take 10 days to clear the check.
XXXX XX/XX/XXXX, I went in person to the first bank and showed the Manager the check stub which he made a copy of. He stated he would contact the fraud dept and my account would be open by XXXX the XXXX, he took my phone number and said he'd call me on XXXX. No call came.
XXXX XX/XX/XXXX, I called customer service, who said they would transfer me to another dept, then didn't, saying I had to speak with the bank. Later I left message with the bank Manager who returned my call saying he would contact the fraud dept. and give an answer to me by XXXX XXXX that day. He called and said my account was not opened and he disparaged the check again that it has misspellings on it. I stated I do not have a copy of the check. | null | VALLEY NATIONAL BANCORP | NJ | XXXXX | null | Consent provided | Web | 2022-09-19 | Closed with explanation | Yes | null | 5,994,705 |
2023-04-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT.
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 94102 | null | Consent provided | Web | 2023-04-29 | Closed with explanation | Yes | null | 6,908,497 |
2019-10-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Problem canceling credit monitoring or identify theft protection service | In 2017 I started using equifax credit monitoring service to monitor my credit and something happen because my information was stolen. I have several people in Texas open account under my name and are using my information to find employment. I never experience this until I use equifax monitoring service. | null | EQUIFAX, INC. | GA | 30043 | null | Consent provided | Web | 2019-10-24 | Closed with explanation | Yes | null | 3,416,026 |
2023-07-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/XXXX, someone opened up credit in my name fraudulently. This person resides in XXXX. I reside in a different state. The account was eventually closed. I froze my credit and added a fraud alert. However, the address is still on my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30213 | null | Consent provided | Web | 2023-07-08 | Closed with non-monetary relief | Yes | null | 7,223,573 |
2022-03-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I recently contacted Transuion to request that they remove thr dispute information off my credit file. Instead of removing the dispute information, the representative reported two accounts as charged off when actually the accounts are paid in full and closed. The accounts are XXXX XXXX XXXX XXXX XXXX. These accounts are paid in full... the documents were sent to them that showed they were paid in full and they had updated them accordingly. This representative that I spoke with recently changed them back to charged off instead of deleting the dispute statements as I requested. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 43607 | null | Consent provided | Web | 2022-03-31 | Closed with non-monetary relief | Yes | null | 5,390,302 |
2020-01-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | To Whom This May Concern, I currently have an account with Transunion where I used to be able to place and remove freezes, file disputes and do other maintenance. However, about 6 months ago, I became unable to get into the account and initiate any of these activities. There seems to be some sort of error or glitch which is preventing me from freezing my credit, accessing my XXXX XXXX XXXX ( via XXXX ), and making disputes online.
I called multiple times and spoke with numerous representatives. Each diagnosed a different problem and claimed that it had been corrected. After a few weeks I finally gave up. I've spent countless hours trying to correct this.
Tonight I tried once again to get in, hoping that whatever issues that once were have somehow magically been resolved. Unfortunately, nothing has changed.
At this point I do not know how to proceed. I am hoping this message reaches the appropriate department who can review the issue and correct it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 115XX | null | Consent provided | Web | 2020-01-31 | Closed with non-monetary relief | Yes | null | 3,515,011 |
2022-12-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I was contacted to be informed that my account was now in the hands of someone else to collect in which I didn't give permission for my personal information to be given to anybody for the XXXX time and the amount has doubled. XXXX agency shows it has a balance unknown but it has a balance also the agency that acquired the account has a balance as well. I filed several disputes with each of the credit bureaus and it keeps adding accounts to me that doesn't apply. | null | Experian Information Solutions Inc. | KY | 40218 | null | Consent provided | Web | 2022-12-09 | Closed with explanation | Yes | null | 6,296,858 |
2018-04-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Hi, I appreciate XXXX and your hard work but you are incorrect on your last response on my home loan. This is very simple the lender I had was Penny Mac I'm not disputing that ok. What I'm disputing is the loan balance it's been paid in full. I sold the house! Sighned the closing on XX/XX/2018. I want the balance to be shown as a XXXX balance on my report and XXXX debt under where it says realastate debt. Since a buyer has already bought the house. XXXX XXXX XXXX XXXX is the company that closed the house. XXXX is the number to XXXX XXXX XXXX XXXX. I have uploaded and by mail sent proof house was sold and closed to XXXX already. But XXXX has failed to get the correct response on my report. I want a zero balance showing on my report under Penny Mac. Thank you! | null | PENNYMAC LOAN SERVICES, LLC. | CO | 800XX | null | Consent provided | Web | 2018-04-11 | Closed with explanation | Yes | null | 2,872,214 |
2022-04-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have autopay turned on and my on-time payment percentage was decreased from 100 % to 95 % effecting my credit even though the payment was auto-paid as per their system. | null | Genesis FS Card Services, Inc. | KY | 41011 | null | Consent provided | Web | 2022-04-11 | Closed with explanation | Yes | null | 5,434,576 |
2020-10-19 | Credit card or prepaid card | Store credit card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | As far as Store Credit Cards go ... are there specific regulations controlling the immediate payment from Synchrony Bank to an AC company ( XXXX ) for the full amount of {$6600.00} before the installation even occurs? This means that I am expected to start making payments towards this amount immediately - a mere few weeks later when there have been and still are continued, ongoing unresolved problems re installation, technicians arrive angry and defensive during consumer follow up visits when things go wrong and need to be corrected, total lack of communication between companies employees, angry techs that visit again me due to install problems they themselves created, misleading information provided to consumer from company, companies installed XXXX system did not pass inspection for XXXX and has not once contacted me re this failed inspection, company withholding warranty from consumer in spite of continued requests where is my warranty and why do they not provide me with a warranty?! Why would a financial institution pay a company before the consumer is completely satisfied, the system is working correctly efficiently, passes inspection, employees are helpful and communicative and are there to resolve any problems or issues for as long as the warranty is held, consumer has said warranty, why pay this company {$6600.00} before they even pass inspection.. or before they even install it? Not sure the exact day XXXX got their full payment but it was probably the day I was approved for this loan, before they came to install it. Most other company always leave you with a warranty the day they arrive but not this one. Arent there any regulations about this? Why is a consumer expected to begin payments to bank, the company has already been paid in full and they dont care about the consumer or the way theyre treated that has to begin payments, why should they when theyve already been paid? I brought all this up to Synchrony Bank and they inform me they put $ {$6600.00} in dispute BUT ... I havent heard anything about it since I initially called- XXXX except an email I received today XX/XX/19 from Synchrony saying the dispute was RESOLVED on XX/XX/XXXX??? This was of course a no reply email so I couldnt reply back about it but it was very disturbing to hear it was resolved already? How could this be?? Im wasnt asked to send anything, I wasnt told what the resolution is, how could it be resolved without including ME, the consumer? I also had to call Synchrony regarding a problem with my credit report few weeks ago they caused after promising me this dispute would not cause marks on my credit, late fees, interest charges, etc but yet I was- Synchrony charged me late payment fees, weird statements saying my balance was now another {$60.00} owed now, they promised I didnt have to make any payments during dispute, Im very concerned how this dispute wont work in favor of consumer, not sure it ever does. Im hoping this dept will assist me in enforcing any laws that fall under Consumer Protection Financial institutions, in PROTECTING THE CONSUMER, has Synchrony withdrawn their payment to XXXX, why would this company ever wish to resolve a dispute if theyve already been paid? Why would they care? What is dispute rules in favor of this business even tho they havent passed inspection and I have no warranty? Then Im left having to make payments anyway and my credit is destroyed from Synchrony and XXXX company that cant pass inspection, no warranty, sends out angry technicians that blame consumer for their failures. Then what? How can you help me exactly here? I recently filed a complaint against XXXX of Florida here as well and dont wish to read their reply since Im sure there are no consequences for them. Its just a reply and its their choice to reply or not. Same goes here for Synchrony - if no reply - then what, not sure what the actual advantage is here for a consumer like me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | FL | 33543 | null | Consent provided | Web | 2020-10-20 | Closed with explanation | Yes | null | 3,907,673 |
2023-07-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am writing to file a complaint and seek assistance regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, I have not received a response from them to date. As a concerned consumer, I firmly believe that Equifax has an obligation to comply with federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ).
The inaccurate information on my credit report involves the following accounts : 1. Account Type : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}. This account does not belong to me, and I kindly request that it be promptly removed from my credit report.
Account Type : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Your reporting of this account contains inaccuracies. The reported balance of {$2000.00} is incorrect, as I believe it should be a lower amount. Furthermore, the Past Due amount should not be presented, as this account is closed and charged-off. I request that you mark this account as disputed while I resolve the matter with the creditor. Additionally, I kindly ask you to verify the accuracy of the Date Opened, Date of Status, and First Reported for this account. | null | EQUIFAX, INC. | MA | 02125 | null | Consent provided | Web | 2023-07-10 | Closed with non-monetary relief | Yes | null | 7,225,157 |
2021-10-27 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Overcharged for something you did purchase with the card | This is a complaint against Target Mastercard.
I purchased tickets from XXXX XXXX XXXX for {$100.00} on XX/XX/XXXX. As a result of a glitch on app that was handling the financial side of the purchase, the app was sending a message that the purchase did NOT go through and no tickets for the purchase were issued. As a result of the glitch, I was charged 5 times for a one time ticket purchase. I was charged : {$100.00} three times on XX/XX/XXXX {$100.00} one time on XX/XX/XXXX {$100.00} on XX/XX/XXXX ( the only transaction that is valid and did go through, tickets were issued ) I called XXXX to let them know that I saw the multiple charges on my credit card and they confirmed that the online service handling the sales had a glitch and did accidentally charge multiple times for purchases.
I called MC on XX/XX/XXXX and told them that I only saw one credit for {$100.00} dated XX/XX/XXXX, but there should be 4 credits of {$100.00} each ( I was charged five times and only one purchase of {$100.00} was valid, therefore 4 credits should have been issued ).
The agent said that they would put the other three amounts of {$100.00} each in dispute. These disputes did not show up on my transaction history online in the cc account.
I called XXXX back again on XX/XX/21 and after investigating, they sent me " refund receipts '' ( attached ) showing that the other 3 credits ( and the final 4th credit ) were in fact issued. The first 3 were issued on XX/XX/XXXX, yet as of XX/XX/XXXX, online in the transaction history ( not the statement ), I did not see those credits OR the dispute they had supposedly initiated on my behalf as credits posted to my account.
I called MC and after speaking with XXXX different agents, the final agent being XXXX, I was told that she could see the 3 credits and the disputes " behind the scenes '' on her end. When I asked why I only saw one of the three {$100.00} credits posted on XX/XX/XXXX on my account, she couldn't really answer that. She told me that it will show on my statement.
This does not make sense. Every purchase and return ( debit and credit ) is posted to your account on a daily basis and can be viewed when you go in to your transaction history. While I understand that they may take a day or two to post to my account, it does not make any sense as why only one of the credits would be posted.
Something is not right. As a consumer, I am entitled to view my transaction, credits and debits, as they post. If they do not show as posted to my account, it is logical to believe they are not being applied to my account. MC is telling me that this is the way they operate and I will not see all of my transactions as they are posted? This is my money and as a vigilant consumer, I often login to my transaction history to make sure that everything is accurate and that is no fraudulent activity.
I had an issue last year with the same MC. They did not post a {$96.00} credit from a Target return. It took me 7 months of going back and forth with letters and documentation for them to finally realize they made an error and then they issued the credit.
I do not want a repeat of a 7 month dispute. They need to show ALL transaction history for consumers to be able to see their debits and credits. There should not be a " behind the scenes view '' that they see a credit, yet as the cardholder, I do not see the credit and can not verify that credit has been applied to my balance. This is a horrible, deceptive and unethical business practice.
I know that I can not be the only one that is having difficulty with the transparency of transactions with this credit card company. The vend or has issued my credits ( see attached ) and I want to see them as transactions on my account ( it has been 4 weeks since they were issued ).
Thank you, XXXX XXXX | null | TD BANK US HOLDING COMPANY | NY | XXXXX | null | Consent provided | Web | 2021-11-04 | Closed with non-monetary relief | Yes | null | 4,848,342 |
2020-10-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | ***THIS IS NOT A DUPLICATE COMPLAINT ... I AM RESUBMITTING BECAUSE THIS COMPANY IS TRYING TO GET AWAY WITH BREAKING THE LAWS ... THEY CLOSED MY FIRST COMPLAINT STATING THAT I AM NOT WHO I SAY I AM WUEN I SUBMITTED A COPY OF MY ID SOCIAL AND A NOTARIZED LETTER FROM THE NOTARY PUBLIC. I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX XXXX, and XXXX XXXX XXXX. These accounts were reported " Verified ''. Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX and XXXX notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 94541 | null | Consent provided | Web | 2020-10-01 | Closed with explanation | Yes | null | 3,875,178 |
2020-03-16 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | This company is trying to sue me in court and has filed. I've informed them in writing, in person, provided the police report that dates 2015, and the federal reporting number to them. They postponed the court date and I just received notice that they've set a new trial date for XXXX. They have refused to answer my emails, my requests for a call back. I've provided the appropriate documentation that they asked for, yet they persist to pursue me. All that they are interested in is a piece of paper saying that I owe them money, yet they ignore my requests. | null | ENCORE CAPITAL GROUP INC. | TX | 76013 | Servicemember | Consent provided | Web | 2020-03-16 | Closed with explanation | Yes | null | 3,568,582 |
2023-06-08 | Checking or savings account | Checking account | Managing an account | Banking errors | I called my bank Wells Fargo regarding a lot of unknown deductions made by them. I was seeing a constant {$10.00} deduction without explanation. Every time I called about it, I would get the same response They said it was extra charges but they weren't able to tell me what those charges where for. One said for not having a certain amount of money in my account. But I always exceed the amount I was told. So since that wasnt the case i was asked to go to a branch to ask them the question and have them situated. When I went, I was told they didnt know why and that I had to call customer service. At the end of the day no one helped me and I still dont know what all those {$10.00} charges where for. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | AZ | 85009 | null | Consent provided | Web | 2023-06-08 | Closed with monetary relief | Yes | null | 7,091,903 |
2017-09-17 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | I have been dealing with this medical debt for 2 years now. I had an emergency room visit on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the doctor was paid by my medical insurance on XXXX/XXXX/XXXX. I notice that the date of service on the debt collection letter is for XXXX/XXXX/XXXX and the date on my insurance claim is for XXXX/XXXX/XXXX. I did get treated at the ER on both of these dates so I think maybe the dates are mixed up on the paperwork. That may be what the problem is because I have insurance claims to different doctors on both of these dates. The original fee charged was {$1200.00}. He is a physician provider on my insurance and agreed to accept the eligible charges that were paid to him. This has been on my credit report up until a couple of months ago and the only reason it 's not there now is because I filed a dispute with XXXX XXXX. After the dispute was settled it was deleted from my credit, but this physician sent these charges to a different collection agency after the other one dropped it. The old collection agency was XXXX XXXX and the new collection agency is XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX DO ) and the current creditor is listed as Pendrick Capital Partners. A XXXX XXXX/ XXXX XXXX XXXX representative even tried to call and talk to the first collection agency ( XXXX ) and the physicians company, but was given the run around and was unsuccessful. I faxed them proof of payment from the insurance company on several occasions, but was unsuccessful until I filed the dispute with XXXX. I have not contacted the new collection agency because collection agencies only go by what the creditor claims you owe them, so I 've decided to file this complaint here. | null | Pendrick Capital Partners Holding, LLC | AL | 36330 | null | Consent provided | Web | 2017-09-17 | Closed with explanation | Yes | null | 2,676,665 |
2023-07-11 | 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | TX | 77375 | null | Consent provided | Web | 2023-07-11 | Closed with non-monetary relief | Yes | null | 7,228,622 |
2019-04-11 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | I recently had my debit card info stolen and charges were made on it without my knowledge. A transaction for XXXX dollars and another for XXXX dollars along with 2 small charges of approximately XXXX dollars. I notified the bank right had card canceled and reissued, i changed the pin and info associated with the card. I then made a claim for the charges. Now 2 very important factors 1 i always use the same machine when pulling money because i am not charged a fee and this fact is provable based on my account 2 I went to the location that it was used and was told that several people had the same issue with their cards being skimmed or cloned and money being taken. The claim i placed to the company they refunded the 2 small charges because i never made them but the two large amounts they denied with no explanation or options for resolution. I think this is a gross injustice to my use of the card. Knowing i had not made charges they refund 2 charges but the other 2 made at the same time they did not. Even after seeing i don't use the card at any other location and that others has had this problem. I don't understand how they can refund 2 charges but not the other two and only chose ones that are of small amounts. | null | Paypal Holdings, Inc | NV | XXXXX | null | Consent provided | Web | 2019-04-17 | Closed with monetary relief | Yes | null | 3,209,557 |
2016-09-10 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt resulted from identity theft | I reported identity theft to XXXX, They sent my personal information to collector agency.They are keep sending mail.I paid that amount which was fraud in my account and They added interest which was paid by me from my bank account. They did not respond back to me while I was calling to them. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | JH Portfolio Debt Equities, LLC | TX | 75024 | null | Consent provided | Web | 2016-09-10 | Closed with explanation | Yes | No | 2,102,960 |
2023-04-24 | 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 | They are refusing to dispute my accounts they are saying someone else didnt authorize a dispute when I authorize it and I type up dispute letters and send them off. They keep saying I didnt authorize those dispute when I did. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10701 | null | Consent provided | Web | 2023-04-24 | Closed with non-monetary relief | Yes | null | 6,880,408 |
2020-06-16 | 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 | I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. Company Inquiries : 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. | GA | 30314 | null | Consent provided | Web | 2020-06-16 | Closed with explanation | Yes | null | 3,700,985 |
2019-01-24 | Debt collection | I do not know | Communication tactics | You told them to stop contacting you, but they keep trying | I have received repeated phone calls from CIG Financial for YEARS.
They are looking for a person named, " XXXX XXXX ''. Each time they call, I inform them that I no one by that name resides here nor do I know anyone by that name. I then tell them to stop calling my phone number.
Yet, they continue. This has gone on since I have had this phone number ( many years, now ).
I have asked to speak with a manager or supervisor only to be put on hold indefinitely.
The latest call was today, XX/XX/2019 at XXXX XXXX, EST.
My caller ID says they are calling from XXXX | Company believes complaint represents an opportunity for improvement to better serve consumers | CIG FINANCIAL LLC | FL | 327XX | null | Consent provided | Web | 2019-01-24 | Closed with explanation | Yes | null | 3,132,318 |
2023-08-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively. | null | CAPITAL ONE FINANCIAL CORPORATION | FL | 34746 | null | Consent provided | Web | 2023-08-01 | Closed with explanation | Yes | null | 7,335,433 |
2023-03-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights reporting 21 late payments.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAAN status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 085XX | null | Consent provided | Web | 2023-03-14 | Closed with non-monetary relief | Yes | null | 6,697,040 |
2023-06-03 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | My name is XXXX XXXX. On XX/XX/XXXX. I was given a letter by XXXX XXXX at the payroll dept. from work. The letter was to inform me of a garnishment judgment against me for the sum of {$10000.00}. Which {$8400.00} was awarded to XXXX XXXX XXXX XXXX XXXX which is now XXXX XXXX XXXX. This debt is from XX/XX/XXXX to XX/XX/XXXX. I had been living in this country XXXX yrs. of my life. I have never in the past taken any type of credit whatsoever until now that I made a decision to apply for a car loan. I never apply for any type of credit cards. Not even when I was young. Please help me correct this problem I feel I have been a subject of identity theft. Thanks, and please help, XXXX XXXX. | Company believes it acted appropriately as authorized by contract or law | Pressler & Pressler, LLP | NJ | 07208 | Older American | Consent provided | Web | 2023-07-11 | Closed with explanation | Yes | null | 7,068,869 |
2023-09-20 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19131 | null | Consent provided | Web | 2023-09-20 | Closed with non-monetary relief | Yes | null | 7,579,727 |
2023-08-10 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Money was taken from your account on the wrong day or for the wrong amount | I paid {$30.00} on to XXXX XXXX credit card. Approx XXXX or XXXX XXXX. I saw reversal return to my Chase account. XXXX of {$30.00}. I never told Chase not to pay this. I called XXXX XXXX, they said Chase revoked my payment. My funds were more than sufficient to pay this bill. XXXX then charged me a {$30.00} added fee for payment returned, and added {$9.00} late fee. Chase refused to acknowledge they made a mistake. Chase is responsible to refund me my {$30.00} extra fee. I paid the {$27.00} AND {$30.00} FEE TO XXXX XXXX. On XX/XX/2023. Chase owes me the return fee of {$30.00}. I have spent 2 days, on phone to numerous Chase departments. No help whatsoever. I have filed several complaints to claims AND customer service. Again, no help or resolution or return phone calls, which I requested. | null | JPMORGAN CHASE & CO. | OH | 430XX | Older American | Consent provided | Web | 2023-08-10 | Closed with explanation | Yes | null | 7,382,949 |
2019-05-11 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | XX/XX/2019 XXXX : ComenityXXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Comenity & XXXX must be removed from my credit report for several specific reasons. They never sent me a bill. Second the amount is inaccurate. Third I contacted them numerous times about not receiving a bill and they could not answer my questions nor did they have information about my account. Then after many months I eventually moved and never received a bill either at my new address.
Then they sold the account to a new collection agency and they two have never sent an accurate bill to me and the information they list on all three credit bureaus is inaccurate.
Furthermore I do not wish to assist them with providing either my new address or any personal information for fear they may simply update the credit report or begin harassment. They do not have either my address or my phone number!
I tried to resolve this issue through XXXX XXXX council but to no avail.
Can you advise how to proceed without providing them any assistance to harass me?
Lastly they violate FCRA. So they must remove both items. | null | Bread Financial Holdings, Inc. | DC | 200XX | null | Consent provided | Web | 2019-05-11 | Closed with non-monetary relief | Yes | null | 3,239,186 |
2023-08-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PURSE ALONG WITH PERSONAL INFORMATION AND LATER OPENIED UP THE FOLLOWING FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | TX | 77545 | null | Consent provided | Web | 2023-08-11 | Closed with explanation | Yes | null | 7,381,906 |
2021-04-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | Dear Sir or Madam, My complaint centers around Equifax,XXXX XXXX XXXX XXXX , XXXX , Georgia , XXXX, ( XXXX ) XXXX. On or around XX/XX/2021, at around XXXX XXXX. I called the above number and spoke to the operator where he transferred me to XXXX. I advised XXXX that I have recently obtained my Credit Report from Equifax and noticed that there were incorrect and/or adverse damaging Information on my Credit Report, which I believe has caused outrageous APR fees and/or financing for me.
name. I advised XXXX that my name is XXXX XXXX. And that in the credit report I noticed an aka, XXXX XXXX XXXX. I advised XXXX that I am locked out of my account and needed to access it to make corrections and/or dispute incorrect damaging information.
XXXX would not allow me to access my account and insisted that he would make the changes and or disputes on my behalf. I advised XXXX that I would like to review my information directly. I further advised XXXX that I was ill and recently released from the hospital and wished to access my account to make the necessary correction so that I could lay down.
XXXX stated I will send you an email to access your account. I waited a few minutes and advised XXXX that I have not received any email. XXXX stated, hold on and hung up on me. To the best of my knowledge, XXXX has my current phone number and never returned my call.
Also, I called back and waited an exceptionally long time again to speak to a representative to clarify the matter. Unfortunately, it sounded like XXXX again who has an eastern XXXX accent ( possibly XXXX Origin ), and hung up on me immediately.
Furthermore, on or around XX/XX/2021, I received an ALERT from myFICO and XXXX account that there was a name change in my credit report. Upon review, I believe that XXXX/Equifax willfully and deceitfully altered, manipulated, and/or changed the information on my credit report with malice and intent to do harm.
Equifax refuses to allow me to access my credit report to resolve the incorrect information which I believe is resulting in excessive interest rates regarding credit. To the best of my knowledge, the conversation with XXXX was recorded. Therefore, I believe that Equifax should have access to that conversation. I am requesting that full disciplinary action be imposed upon XXXX including termination and prosecution for the said crime.
The above incident is as follows.
1. That on or around XX/XX/2021, at around XXXX XXXX. I called Equifax and spoke to XXXX regarding unlocking my account.
2. That XXXX refused to allow me to access my account and hung up on me. Please see Screenshot Marked Number 1.
3. That on or around XX/XX/2021, I received a notification that my name was changed to XXXX XXXX XXXX. Please see Screenshot Marked Number 2.
4. That upon further review I believe that it was XXXX/Equifax that made the fraudulent name change to my credit report. Please see Screenshot Marked Number 3.
5. That I applied for credit with XXXX Credit Card. I received a XXXX C, IRS form from Equifax on the behalf of XXXX. Please see Screenshot Marked Number 4. I called XXXX and they advised me that this was the regular procedure.
6. That about two days after my conversation with XXXX I received my credit card. I called XXXX to activate the said credit card where I was advised they were waiting for Equifax to return the XXXX the IRS Form. XXXX advised me that they will issue me an email when they are in receipt of the above IRS form.
7. That upon reviewing other credit bureaus such as XXXX, XXXX XXXX, XXXX XXXX, myFico, etc. I continue to receive alerts of my name change on most or all of the above credit bureaus. Please see Screenshot Marked Number 5, 6, 7.
8. That on or around XX/XX/2021, I received an email from XXXX advising me that they have closed my account. XXXX further advised that they are not able to verify my account. Please see Screenshot Marked Number 8. Since Equifax issued me the above IRS form and refused to forward it to discovery, I believe they are willfully responsible for the harm they have caused me in the above account closure in question.
Furthermore, it is imperative that Equifax conduct a true and correct investigation to root out individuals such as XXXX. Credit reporting agencies have a great responsibility in handling the publics records, and allow the public to access the said records to make corrections that have a direct effect on the publics credit/financing. Equifax has a history of recklessly handling the citizenry 's private information.
I would like to thank you for your time on this matter. If you should have any questions or require any additional information, please contact me at any time.
Respectfully submitted, XXXX XXXX | null | EQUIFAX, INC. | IL | 60618 | null | Consent provided | Web | 2021-04-05 | Closed with explanation | Yes | null | 4,273,576 |
2022-09-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Despite multiple written requests, the unverified accounts listed below continue to report on my creditreport in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but Inever received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legalaction against them. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXXXXXX XXXX Owed : {$3000.00} XXXX XXXX XXXXXXXX Owed XXXX {$7200.00} ; XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}. | null | EQUIFAX, INC. | MN | 560XX | null | Consent provided | Web | 2022-09-16 | Closed with explanation | Yes | null | 5,985,193 |
2023-06-12 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Charged too much interest | I had closed an American Express Account ending in XXXX in XX/XX/2023. The reason was they wanted {$700.00} for an annual fee to have the card. I have been paying the remaining balance off and used their Mobile App on XX/XX/2023 to pay the " Total Amount '' indicated, XXXX as confirmed in my bank register XXXX info : ORIG CO NAME : AMERICAN EXPRESS ORIG XXXX XXXX XXXX CO ENTRY XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX IND ID : XXXX IND NAME : XXXX XXXX XXXX XXXX XXXX : XXXX ACH debit - {$1600.00} AMEX promptly notified me that the account was closed via E-Mail via their credit monitoring site hosted by XXXX. I've attached a copy of that E-Mail.
Yesterday I received a notification that a payment was due, so looking into it again with the mobile app it said I owed XXXX for the same account. I went online through my desktop and I can't even see the account anymore, it's closed. According to AMEX this was for interest I didn't pay the month before. I paid the entire Total Amount indicated by XX/XX/2023 as indicated.
Problem # 1, I paid the " Total Amount '' due on the due date. Why did I get charged the extra bonus interest in their favor? Especially since their credit reporting site says the account is closed?!?
Problem # 2, Mobile App says one thing, you owe us {$21.00}. Desktop Website says nothing. Would the real amount owed please stand up?!? I can't rely on their technology to tell me the truth. With more and more companies forcing " electronic statements. '' I can't trust AMEX to be honest about what's owed and why. Online on my desktop, I see one thing, and on their mobile app another.
Problem # 3, If I hadn't paid the account off why did XXXX know the same day that I had? That makes no sense.
I don't mind paying interest, that's part of the game but AMEX in this case is out of line charging me extra interest on a closed account. | null | AMERICAN EXPRESS COMPANY | TX | 75010 | null | Consent provided | Web | 2023-06-12 | Closed with explanation | Yes | null | 7,105,293 |
2021-12-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | 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 to 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 list of the erroneous accounts reporting on my credit report : XXXX XXXX ( Original Creditor : 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 | 902XX | null | Consent provided | Web | 2021-12-08 | Closed with non-monetary relief | Yes | null | 4,986,974 |
2019-05-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Billing dispute for services | Someone has stole my identity and purchased a 2018 XXXX XXXX with Classic XXXX XXXX in XXXX, TX. The used Bank of America as their autoloan on XXXX XX/XX/2018 in the amount of {$50000.00}.
I called the Bank of America on XXXX XXXX to dispute this action and they have no done any investigation on this yet. It was said they were going to report this higher and that they will give me a call 48 hrs later on their findings.
I called the XXXX XXXX XXXX and they have confirmed that this was an identity theft when someone called in their store around a week ago of a person trying to sell this vehicle to them, but they notice that the name of the seller and name of person who owned the vehicle did not match.
I have taken the steps in FTC to try and resolve these credit issues and fraud attempts.
XXXX XXXX, I have filed a report to the XXXX Police Department on this. Report # XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | KY | 40160 | Servicemember | Consent provided | Web | 2019-05-16 | Closed with explanation | Yes | null | 3,245,122 |
2020-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document THAT INCLUDED SPECIFIC ACCOUNTS ( XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ) Since TRANSUNION, XXXX, OR XXXX HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX AND XXXX XXXX ARE ALL IN VIOLATION. TRANSUNION, XXXX, & XXXX FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AR | 72076 | null | Consent provided | Web | 2020-06-08 | Closed with explanation | Yes | null | 3,687,747 |
2021-04-07 | Credit card or prepaid card | Store credit card | Problem when making payments | You never received your bill or did not know a payment was due | How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payments on XXXX and XX/XX/2020.
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. | null | Bread Financial Holdings, Inc. | MA | 02301 | null | Consent provided | Web | 2021-04-07 | Closed with explanation | Yes | null | 4,276,898 |
2022-12-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | My name is XXXX XXXX, and I am responding to the request in regard to my credit report. I have contacted Macys to inform them of my financial situation on several attempts during the COVID pandemic XXXX, only to be turned down each time. This is the only account on my credit report that has closed during this time due to the fact that they didnt offer me any assistance. All of my other accounts are in great standings, and I fulfilled all of my agreements with them as I would have if Macys had given me the opportunity. Instead, they denied me help during a world pandemic/shutdown. Lied to me, closing my account without my knowledge or consent. Then continued to illegally charge me interest and fees.
XX/XX/XXXX - XX/XX/XXXX Called Macys to inform them that my family and I were getting sick, and I had to take time off from work, I had no way to make my payment.
XX/XX/XXXX Still suffering from Covid and I started losing family members, I was told there wasnt any help.
XX/XX/XXXX Received letter not that my account was closed, but to update my account information and get my account on the right track. And maybe if I qualify, they can offer a solution for my financial difficulties.
XX/XX/XXXX Called in and asked for help once again ( I was never informed that my account was closed ). I Explained that I was trying to assist my family with burial. I was told to make partial payment to show good faith, and this would allow me to keep the account open and get COVID assistance. ( Why would I only make a partial payment? This was an agreement Macys offered me to keep my account in good standings ). I made the payment, and they turned around and closed my account anyway. They continued to charge me interest and fees for several months after my account was closed. They lied to me. Closing my account ruined my credit and stopped me from assisting my family with burial. I had no way to bury my family. This was devastating for me. ( Statement included to prove payment and the fraudulent interest and fee charges ).
XX/XX/XXXX Received denial letter with no valid explanation why?
XX/XX/XXXX Received another letter asking for more information regarding COVID assistance. When I called it was only for them to collect information for repayment and demand me to pay the balance within 6 months. Most of these companies received pandemic funds to assist account holders like me, what happened to that assistance? Can someone investigate to see if any of these companies ' received funds and hold them accountable for not assisting me?
XX/XX/XXXX at XXXX - I called XXXX, spoke to XXXX and I found out that my dispute was processed wrong? I called the agency directly to resolve this and the agents themselves processed the disputes. How was it done wrong? Or is this sabotage because of the profitable agreement they have with the companies? Favoring XXXX company and not allowing me to work with another, or just holding me back from opportunity? She even saw the neglect to help in a pandemic crisis and the fraud that I have proven with the extra interest and fees for the months that my account was reported closed XXXX, XXXX, and XXXX.
Fraudulently Charged I was told to make partial payment to show good faith, and this would allow me to keep the account open and get COVID assistance. They state on my credit report that they closed my account XX/XX/XXXX ( during a time that I really needed my credit for family burial ) and continued to charge me interest for XXXX, XXXX, XXXX. ( Statements provided ). I had no access to my card.
UNFAIR CREDIT SYSTEM - UNFAIR CREDIT REPORTING The average consumer isnt educated on how the Credit Bureaus generate business with banks and companies for profit. Or that they even make a profit at all?
The credit bureaus invade your privacy without your knowledge at the age of XXXX. They buy/sell your financial information to companies/institutions also known as data furnishers = banks, credit-card issuers, and loan companies for profit.
They track your credit score until it reaches an acceptance point ( called prescreens or trigger list ). Allowing them to target low-income families knowing they need help, offering high interest rate products creating deeper debt.
Wealthy families wont accept these high interest rate offerings, they automatically see failure. Plus, they arent desperate for help, so the bureaus send them the low interest rate card offers with higher credit limits to entice them.
They track your score by utilizing an unfair mathematical system they call an algorithm. Along with whatever notes the companies/data furnishers want to put in the system to hold you back from doing business with any other companies/lenders or because they feel you owe them money or were late on payments.
I understand the government utilizing this information for employment and law enforcement agencies. But allowing these companies the same authority and access is clearly proven to be unfair, devastating and a major disadvantage for consumers and families. They are not using or reporting information ethically or accurately.
These companies get to go to their computer and put in whatever they want, and it affects my future, lifestyle, work, health, etc. But most importantly it affects my credit score. It adjusts automatically/immediately as soon as they press enter. But when you dispute something as a consumer, it doesnt change your score back to what it was previous to what was said by the company. Even if you have proven the company to be wrong, it only comes back as accurate and remains on your credit? This credit scoring system only favors/benefits the companies, not the consumers.
As a consumer, I have to go through this rigorous process called a credit dispute only to get pushed through an automated system. I am so irrelevant to them that they dont even have a real person to look at what I am forwarding to them. With my dispute, I spent money on several occasions to send in additional information proving discrepancies/inaccuracies/fraud and no one even looked at it.
I am very concerned about this credit scoring process it is very controversial and is forced on us as consumers. Consumers who are not aware/educated on this credit scoring process feel as if they have no choice but to comply, experiencing neglect, invasion of privacy, and selling their personal information in order to get help/assistance in a time of need. Or to just simply build credit in order to exist in this unfair algorithm world that they have created to line their pockets and are forcing us to live in.
How is this happening when there is a law that banks are obligated to meet good faith standards regardless of the customers financial situation or credit score. They can't predict what your financial future holds, nor should they be able to hold you back from future opportunities. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MI | 483XX | null | Consent provided | Web | 2022-12-28 | Closed with explanation | Yes | null | 6,333,804 |
2019-08-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There's two accounts and a fraud address. ( XXXX card, XXXX XXXX XXXX, and the address XXXX XXXX XXXX not mine fraud ) On my Experian credit report. and have submitted Copy of credit report and Federal Trade Commission Identity Thief report # XXXX. I have submitted this information to Experian but they have not cleared or deleted these accounts and address. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | XXXXX | Servicemember | Consent provided | Web | 2019-08-26 | Closed with non-monetary relief | Yes | null | 3,354,331 |
2022-03-07 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I have tried for several years to challenge a letter that Midland Credit XXXX has been sending for many years, claiming they I owe money to " XXXX XXXX XXXX ''.
I have never had an account with any such company, and have made repeated attempts ( see attached ) asking them to verify the debt and demonstrate what services I signed up for that generated this action.
I have even challenged this thru XXXX, but the answer I always received is " verified ''.
Midland Credit refuses to tell me what the bill is for, and what services generated this debt?
I have also circled the bottom of the recent Midland Credit form, telling me that the bill is past the statute to limitations. | null | ENCORE CAPITAL GROUP INC. | AK | 99654 | null | Consent provided | Web | 2022-03-07 | Closed with explanation | Yes | null | 5,295,502 |
2020-05-29 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was paid | I've paid commenity Bank ( XXXX ) card off to a XXXX balance but they still are reporting on my credit report past due and missed payments. They are really damaging my report for this. | null | Bread Financial Holdings, Inc. | NY | 14450 | null | Consent provided | Web | 2020-05-29 | Closed with non-monetary relief | Yes | null | 3,675,395 |
2023-08-16 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | You never received your bill or did not know a payment was due | Today, XX/XX/2023 I called to make a credit card payment. They will not send me a statement as they say my card is restricted. I wasn't sure when the bill was due, but last month it was due on XX/XX/XXXX so I figured I better call. The due date this time was XX/XX/XXXX. The problem is I applied for this card on line and was immediately accepted. I was sent the card in XXXX, I believe. It was an interest free card for a year so I used it quite a bit. Then, there was a charge I didn't make and Capital One rejected it, which was great. Normally, in my experience, when this happens the credit card company shuts down that account and simply sends you a new card. Capital One put my card in a " restrictive '' mode and wanted me to send a slew of documents to prove my identity I guess. I drew the line at wanting my social security card and my bank statement. I told them that that's ridiculous and I'm not sending that to them. That's fine if that's somehow their policy. I don't need this particular card. All I want to do is set up an auto payment and get a statement in the mail because the on-line option will not allow me in. I was told that I couldn't do either of these things because my card is " restricted ''. It should be illegal that I can't get a statement. I have no idea if they're putting other charges on or what. I was also suppose to get a {$200.00} credit if I spent {$500.00} within a period of time which I did but have no idea if they'll honor that since I can't see a statement. Also, would like to know the due date. It just seems crazy that I have so much trouble just trying to pay them off. I hope you can help me or refer me to someone who can. Thank you so much. | null | CAPITAL ONE FINANCIAL CORPORATION | NY | 124XX | null | Consent provided | Web | 2023-08-16 | Closed with explanation | Yes | null | 7,412,147 |
2016-07-16 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt resulted from identity theft | PINNACLE CREDIT SERVICES ( collecting for XXXX ) has been ignoring and refusing my requests for validation on this debt for years. I have sent numerous letters explaining to them that this is not my account and I have requested validation several times. Yet they continue to be in non compliance with the law and report this account to the credit bureaus as a collection. They do not even respond. I have never went into a business contract with Pinnacle or XXXX in reference to this account. I have attempted to contact XXXX but was tolsd it was sold to this company and they cant furnish me with any contract or records. | null | Pinnacle Credit Services, LLC | TX | 751XX | null | Consent provided | Web | 2016-07-16 | Closed with explanation | Yes | No | 2,015,195 |
2021-12-15 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | I have been receiving calls and letters from a J Ritter law firm saying I owe a {$370.00} debt to XXXX XXXX University XXXXXXXX XXXX from 2017. I know nothing of this alleged debt and have received no notice of this from the school or bookstore or anyone else until now. I called the school and they informed me I have no pending balance and I would not have gotten my diploma or been allowed to graduate with an outstanding balance. The law firm was very confusing telling me that nobody was ever required to notify me of this and that they dont even know if the debt is valid but would get back to me. Im not sure if this is some sort of scam or scheme to get money. | null | J. Ritter Law P.C. | FL | 33185 | null | Consent provided | Web | 2022-01-10 | Closed with explanation | Yes | null | 5,010,976 |
2020-01-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | This has already been removed from my credit report and the company resubmitted it. | null | EQUIFAX, INC. | OH | 43213 | null | Consent provided | Web | 2020-01-10 | Closed with explanation | Yes | null | 3,492,413 |
2023-04-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am interested in processing disputes on my credit report to delete all inaccurate information on my transunion report. checking the file ive noticed alot of data is incorrect. please delete and review all information submitted in the files asap. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33068 | null | Consent provided | Web | 2023-04-25 | Closed with non-monetary relief | Yes | null | 6,881,905 |
2023-01-08 | Checking or savings account | Checking account | Opening an account | Didn't receive terms that were advertised | I am filing this complaint because Citibank failed to deposit a {$700.00} Cash Bonus into my account which I qualified for within 90 days from the end of the month in which I completed all the promotional offer requirements : 1/ New Business checking account ( streamlined ) was opened on XX/XX/XXXX after completing the required documents with XXXX, Citi Vice President/Business Account Manager at a local Citibank branch.
2/ Met the {$25000.00} qualifying balance level during the initial 30 calendar day funding period on XX/XX/XXXX with " XXXX '' funds deposits.
3/ Consecutively maintained that balance until XX/XX/XXXX, exceeding the 60-day maintenance period requirement ending on XX/XX/XXXX.
I have contacted Citi small business support to inquire about the Bonus, issue was escalated under Claim XXXX XXXX XXXX XXXX on XX/XX/XXXX, and was asked to wait 5 business days to get a response. Did not hear back from support so I called again on XX/XX/XXXX and was informed by A ... ... .that a " code '' was needed. I told the Rep that a code wasn't required as it was not stipulated in the offer XXXX & XXXX. Rep instructed me to contact my local Branch Manager T ... P ... which I did, but that e-mail remains unanswered.
I have once again reviewed all the documents including the business account application and there is absolutely nothing supporting the Citibank representative 's claim that a promo code was required to get the Bonus such as : " Bonus code is XYZ '', " Activate bonus code XYZ '', " Must provide bonus offer code XYZ to a banker '',...
Not sure if I'm dealing with incompetence or if Citibank engages in deceptive practices but the issue hasn't been resolved and thought it was time for me to file a formal complaint with CFPB.
I have included the promotional offer XXXX & XXXX that was attached ( XXXX XXXX XXXX ) in one of the e-mails sent to me by the Business Account Manager on XX/XX/XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 94596 | null | Consent provided | Web | 2023-01-08 | Closed with monetary relief | Yes | null | 6,411,266 |
2019-02-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Hello and thank you for your assistance in advance with this sensitive request.
I have been a victim of fraud and placed a fraud alert on my credit reports with all three bureaus on XX/XX/XXXX. The fraud began in XXXX apparently and I have since tried to take precautions on protecting my credit from being compromised from unauthorized accounts and inquiries. I have paid over {$420.00} to credit monitoring websites and to certifying and notarizing documents to send to each credit bureau and the creditors with no luck.
On XX/XX/XXXX, I submitted to all three credit bureaus a signed and notarized document and certified it to XXXX, XXXX and Trans Union. On XX/XX/XXXX, I received confirmation that all three credit bureaus, XXXX, XXXX and Trans Union signed for my certified documents. In compliance with the Fair Credit Reporting Act of 15 U.S.C. 1681, Section 611, the credit bureaus have 30 days from receipt ( XX/XX/XXXX ) to investigate and/or remove and block the fraudulent accounts/inquiries.
It is now XX/XX/XXXX and there has been no response or update on my credit report honoring my request to remove the unauthorized and fraudulent inquiries from my credit reports. This unresolved issue is hindering me from being able to apply for a new home loan and a new car so that I can be able to provide for my family.
I am requesting the help of the Consumer Financial Protection Bureau to resolve this urgent matter and be done with this once and for all please. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92115 | null | Consent provided | Web | 2019-02-06 | Closed with explanation | Yes | null | 3,145,017 |
2020-10-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I had an account with XXXX XXXX XXXX and the primary person who responsible for this loan has died.
I contacted with XXXX XXXX XXXX and they say this account has been closed and there is no balance. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11791 | null | Consent provided | Web | 2020-10-27 | Closed with explanation | Yes | null | 3,920,646 |
2023-04-21 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | To whom this may concern, On XX/XX/XXXX I pulled my credit report to see what exactly was reporting on my credit because I just saw my score constantly dropping. I found several issues but the one I am referring to were two collections from Fair Collection & Outstanding Inc. I noticed that they were reporting two accounts in my name, one in the amount of {$5800.00}. My credit report showed that the account first was delinquent XX/XX/XXXX but it just started to reflect in XXXX. I wrote Fair Collection & Outstanding Inc. to validate the debts on XX/XX/XXXX because I did not know what the debt was. I did not receive anything portraying to this debt. Since I did not receive any information about this account I wrote the three credit bureau 's XXXX, XXXX, and XXXX on XX/XX/XXXX requesting that this debt be removed from my credit report as the collection company was unable to verify this debt and still have not verified the debt to this day. I do not know why but the account was not deleted from my report. Since the Collection company was unable to provide me with any information in regards to the account balanced at {$5800.00} I decided to contact the original creditor, XXXX managed by the XXXX XXXX to obtain these documents. Before going to the office location I called to speak to the community manager who was reluctant to answer my questions and kept on trying to refer me back to the collection company for answers. I asked him directly if I were to come to the office with proof showing that I am who I say I am, will he provide me with the files and he said he needed to talk to a lawyer and get back to me. He then emailed me back stating that he would not be able to provide me with the files and I should talk to the collection company. ( I have the entire email thread which will be attached ). I did not think his response was right so I did my research and I learned that according to the Federal Trade Commission businesses who conduct background checks to provide housing are required to provide the entire file to the individual in which they have done a background check on if requested. In addition to that, I learned that in the District of Columbia document retention is 3 years and after 3 years companies can get rid of files. Learning this did not sit right with me. It is very convenient that the account was closed in XXXX but doesn't start reporting on my credit report until XXXX and now we are in the spring of XXXX which means that they could get rid of the flies very soon. If I did not check my credit report when I did I would have never known about it as I did not receive any notification of either of these debts which is another violation of my consumer rights.
Yesterday XX/XX/XXXX after several calls to the corporate office to speak to the regional manager, leaving messages and then waiting a week to speak to her I received nothing. Then called again Wednesday XX/XX/XXXX to speak to the regional manager or her supervisor and again, I was unable to speak to anyone on the corporate level, I then decided to book an appointment and take two forms of ID to XXXX XXXX the original creditor to request the files. When I got there and engaged in conversation with the Community Manager he then looked me in my face and refused to provide me with the file account in question. I then informed him of the Federal Trade Law and he continued to refuse to provide me with the files and said something along the lines of him being okay with this playing out in court because he would feel more comfortable giving it to a lawyer or a police officer but not the person in which their office decided to take two account to collection even though his refusal to do so is a violation of the Fair Credit Reporting Act. In all honesty, I have reason to believe that this company is conducting fraudulent activity because when I ask for information from the collection company they are unable to provide me with any documentation and when I go to the original creditor they avoid my phone calls, stop responding to my email and outright in my face deny me access to the files they sent to collection in my name. In addition to that, I received zero information about this debt and would not have ever known about it if I did not pull my credit report. Again, the timeframe of the debt reporting 2 almost 3 years after the account was closed and knowing that they can get rid of files after 3 years is far too coincidental. I am so frustrated and confused as to why they will not release the file 's to me and the only reason I can think of is the file 's do not exist or the file have been tampered with and the tampering of file 's is a common practice and would expose their fraudulent business practices. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FAIR COLLECTIONS & OUTSOURCING, INC. | VA | 223XX | null | Consent provided | Web | 2023-04-21 | Closed with explanation | Yes | null | 6,874,362 |
2017-01-20 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Don't agree with fees charged | I have student loans from Navent. I am XXXX and only have XXXX income. I have been out of school for at least six+ years. I have attempted for YEARS to find help in any way to assist me with figuring out these loans. Everytime I have spoken with Navent they say they will send me information on program assistance or forgiveness for these loans and then they connect me with a recording that you have to agree to some kind of forbearance ... which honestly I do n't really know what that means for my loans but if I do n't agree they continue to keep coming at me for the loans with multipal calls per day from XXXX to about XXXX 7 days a week from all over the US. I have requested these so called assistance paperwork many many many ... times in these 6+ years and have yet to see any information for this. I only receive bills. I only went to school for about 3 quarters and my loans were under {$12000.00} well my latest principal is now {$24000.00} with a current payment due of {$1100.00}. I do not know how to actual figure this assistance out because I have just been told the same thing everytime ... they will send me paperwork and I need to do this forbearance each time. My income from XXXX is only about {$800.00} and that is before my Medicare premium. Please help me or let me know what I am suppose to do to actual resolve these problems. | null | Navient Solutions, LLC. | WA | 98372 | null | Consent provided | Web | 2017-01-20 | Closed with explanation | Yes | No | 2,300,732 |
2023-04-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | TX | 774XX | null | Consent provided | Web | 2023-04-14 | Closed with explanation | Yes | null | 6,841,304 |
2019-06-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have two different complaints First of all, with the exception of the {$550.00} being worked my Midland ( more on them below ), every one of the balances showing on my report HAS BEEN PAID IN FULL I know that you will claim that my score will be upgraded soon .... but that does not change the fact that what is being reported is outdated and inaccurate!
My second problem is that Midland is claiming that my account has not been updated meaning of course that they are hoping to bleed more $ $ from me which aint gon na happen Could you help in that area? | null | ENCORE CAPITAL GROUP INC. | VA | 23223 | Older American | Consent provided | Web | 2019-06-13 | Closed with explanation | No | null | 3,274,182 |
2021-06-24 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | I cancelled my auto insurance policy with XXXX as they unfairly raised my rates for an auto accident I wasn't even involved in. Additionally, there was no money paid out on any claims nor was I charged a deductible. They also raised my rate for a ticket I got around XX/XX/2019 and was a non-moving violation that should not have had any effect on my policy. I had XXXX for about 5 years and they have certainly made their money from me. Over thousands of dollars. Now they've sent me to this collection agency for {$150.00}. This is beyond belief!!! I absolutely will never pay this! | null | CAINE & WEINER COMPANY, INC. | TX | 75020 | null | Consent provided | Web | 2021-06-24 | Closed with explanation | Yes | null | 4,488,123 |
2023-06-21 | 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 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | PA | 19023 | null | Consent provided | Web | 2023-06-21 | Closed with non-monetary relief | Yes | null | 7,145,960 |
2017-09-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My data was involved with the Equifax data breach of 2017. They knew about the breach months ago but I have just heard about it now.
My personal information has n't been used yet, to my knowledge, but now my SSN, credit card numbers, DOB, and potentially my driver 's license number are now public knowledge. They should have safeguarded this information at HIPAA levels, this is unacceptable. | null | EQUIFAX, INC. | MA | 02144 | null | Consent provided | Web | 2017-09-08 | Closed with explanation | Yes | null | 2,665,210 |
2022-09-20 | 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 received a loan on my car I paid months in advance. Ive asked for extended temporary tags, as the car is still sitting because I never received my license plate or anything to register the car. I had the vehicle for 5 months never received anything for my vehicle to be registered. I gave the dealership and the bank my updated insurance and drivers license. A few days later I received XXXX letters from the back saying I have late payments on the vehicle all dates the same date and received on the same day with a rubber band around all the letters. I never received the money that was sent back to the dealership nor did I receive my car title. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CREDIT ACCEPTANCE CORPORATION | CO | 80231 | null | Consent provided | Web | 2022-09-20 | Closed with explanation | Yes | null | 5,998,852 |
2019-06-06 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | How are you, I am going to appeal the finance department of Citi bank customer service, I should receive {$400.00} for new checking and saving account opening based on their promotion, but Citi bank does not honor promise ( case XXXX : The requirement is to deposit {$150000.00} to the new eligible checking account within 30 days of the account opening ). I opened a checking and citi saving account at XX/XX/19, as same time I provided my personal account info ( from XXXX XXXX ) for transfer {$16000.00} to CITI Bank, but within 30 days they didnt do it, regarding this I called them more than 10 times ; they did apologize for their error that caused to transfer the fund late. Due to their mistake, CITI Bank should give me bonus {$400.00}, but they denied. And they do not want to solve problem. Even when I made call, they immediately dropped out the customer service line for 3 times. I hope that you can get involved and solve my problems as well. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | GA | 30022 | null | Consent provided | Web | 2019-06-06 | Closed with monetary relief | Yes | null | 3,266,345 |
2020-10-31 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | Happy Halloween ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations. | null | PORTFOLIO RECOVERY ASSOCIATES INC | MA | 02184 | null | Consent provided | Web | 2020-10-31 | Closed with non-monetary relief | Yes | null | 3,930,233 |
2023-08-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively. | null | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 336XX | null | Consent provided | Web | 2023-08-23 | In progress | Yes | null | 7,443,260 |
2023-01-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | To who, it may concern ; It has come to my attention that your reporting my transactions and experiences to the consumer report, but in the FCRA under Exclusions it clearly states ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So its my understanding that transactions can also be looked at as payments which in turn shows late payments on my report and as well experiences having a credit limit with said company in turn is utilization.
Ive also researched and seen congress states IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
And in conjunction with the exclusion of my consumer report and your company adding my transactions and my experiences, Ive never gave permission or opted in for these items to appear on my credit report and the FCRA states all consumer reports are to have 100 % accurate information I havent gave permission or opted in to have these items reported on my report. And this s not made up this is Laws put in place by congress Law ( 15 USC 6802 ) the obligations with respect to personal information : ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option You in fact have to give these disclosure to me in writing or electronically and Ive received nothing, further more youve had on my consumer report that your company meets all FCRA requirements which is clearly a Lie your company has held my life hostage by violating and lying to me, which has caused me to be denied for homes and cars and also employment with your false incorrect information.
15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Your reporting charge-offs as collection it cant be both its either charge off or a collection this is inaccurate information right here and youve said numerous times its verified as accurate if thats not true by law you knowing lied and failed to properly investigate and due your due diligence on my accounts that I reported inaccurate.
The accounts in question are 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. | PA | 19141 | null | Consent provided | Web | 2023-01-24 | Closed with explanation | Yes | null | 6,481,285 |
2022-09-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account # XXXX Date opened- 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 | 361XX | null | Consent provided | Web | 2022-09-10 | Closed with non-monetary relief | Yes | null | 5,964,627 |
2021-12-17 | Credit card or prepaid card | Store credit card | Closing your account | Can't close your account | Upgrade Card XXXX. On XXXX XXXX I called to close the account I was advised they could not because there was a balance. I paid off the account while the representative was on the phone. The funds cleared my XXXX account on XX/XX/XXXX. I then had to call again to close the account, which was not done. Then I was told on XX/XX/XXXX they state the account was closed. I went to my credit report to dispute the account as paid off and closed. Upgrade on XXXX confirmed with XXXX that the credit limit was not XXXX like previously reported but XXXX and the balance owed was XXXX. I have called several times to close the account. I open the app and says the account is active. I have also mailed the card back to close the account and advised Upgrade Inc to have no more electronic notices or information. Upgrade Inc. is still sending everything electronic and will not mail. Now the account shows my new due date of XXXX XX/XX/XXXX. I do not know what else to do to close the account. XX/XX/XXXX I called and spoke to XXXX who hung up on me after asking for a supervisor XXXX because XXXX was leaving in a minute, and not supervisor was there. XXXX stated there are notes on the account and it was escalated but nothing happened. XXXX XXXX responded to my email that I needed to call in about closing my account. I have emailed, called, sent letters nothing happens and Upgrade Inc. still reports the account incorrectly and confirms that it is right but the information is wrong. | null | Upgrade, Inc. | FL | 33437 | Servicemember | Consent provided | Web | 2021-12-17 | Closed with explanation | Yes | null | 5,019,565 |
2021-08-16 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Account Information Name : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX, XXXX.
Outstanding Balance : {$120.00} Payment Amount : {$120.00} Make a payment now You are making a payment of {$120.00} towards your balance of {$120.00} due to XXXX XXXXXXXX
Card Bank Transfer Credit or Debit All fields required.
Name ( As appears on card ) Card Postal / Zip Code I made a reservation thru XXXX Hotels for the amount of {$120.00}. I immediately cancelled the reservation. XXXX XXXX has been charging me amount due. I have sent them documentation to let them know that XXXX confirmed the cancelation.
Now it is in collection via TrueAccord. TrueAccord at XXXX or ( XXXX ) XXXX. This is the organization that is requesting debt collection.
I will not pay them for a service that was not provided to me whatsoever.
. | null | TrueAccord Corp. | CA | 90650 | Servicemember | Consent provided | Web | 2021-08-16 | Closed with explanation | Yes | null | 4,636,094 |
2023-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. | null | EQUIFAX, INC. | GA | 30122 | null | Consent provided | Web | 2023-05-26 | Closed with non-monetary relief | Yes | null | 7,034,050 |