Datasets:

aciborowska

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customers-complaints

like 1

2019-03-02

Student loan

Private student loan

Dealing with your lender or servicer

Trouble with how payments are being handled

In XXXX, I began to experience harassment from Discover Student Loans. I had never received any billing statements or been advised of amounts due. The situation escalated when they began calling my elderly father every day, resulting in considerable distress for him. To stop the harassment, I agreed to let Discover extract $ XXXX/mo directly from my credit union account on the XXXX of each month, which they have done since XX/XX/XXXX. They stated that this would stop the harassment calls, but that I would continue to get threatening notices by mail, which I did receive. These notices include threats of turning my account over to a collection agency, even though payments were being made. I consider this to be an additional and unnecessary form of harassment, after agreeing to automatic payment arrangements. The most recent payment was removed from my bank account on XX/XX/XXXX. There has never been any problem with my monthly payments. Funds have been available every month, and all payments have been processed as agreed. My records show that this agreement is in effect until XX/XX/XXXX. On XX/XX/XXXX I began receiving emails stating that my account was unpaid and overdue as of XX/XX/XXXX, despite the fact that Discover was still removing {$370.00} from my bank account every month. This email harassment has continued almost daily. My phone is showing 30 missed calls from ( XXXX ) XXXX, which is more than ridiculous. I have called Discover, and was told that I did not have any sort of payment agreement with them. If that is the case, how are they still taking money out of my credit union account every month? I have also sent messages several times per week via their online message center. I have received only generic replies. My online account center shows that the payments have all been made, and my bank statements also prove this. I am fed up with this harassment. Discover has failed to correct their error, and I am sick and tired of trying to resolve this matter with them. Their pat response is, Well, you need to call a different number so one of our account specialists can help you. That number is already unattended by the time I get home from work. I am not wasting any more of my time on these incompetent morons. They have had every opportunity to resolve this matter, and have failed to do so. My account is NOT overdue. My payments have been made every month as agreed. I have never agreed to any change in terms or due date, nor have I been advised of any status change regarding my automatic payments. I am requesting an investigation to determine why my payments are not being acknowledged and/or credited to my account. Im sure Im not the only person who is experiencing this type of unnecessary harassment from Discover Student Loans. This should be a very simple matter to resolve, yet Discover has refused to do so. Thank you for your assistance.

DISCOVER BANK

AK

99502

Consent provided

Web

2019-03-02

Closed with non-monetary relief

Yes

2021-10-28

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

On XX/XX/2021 First credit services added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt anyone can send a bill and say its mines. According to FCRA First credit services has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

First Credit Services Inc.

NC

27705

Consent provided

Web

2021-10-28

Closed with explanation

Yes

2020-05-09

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

XX/XX/XXXX I sent this company a certified letter requesting validation of debt paperwork. I received no paperwork validating the debt Allstate Credit Bureau , Inc. is reporting to all 3 major credit bureaus. On XX/XX/XXXX I sent a certified letter no response. On XX/XX/XXXX I sent a certified notarized letter with a signature recipient card attached. I received the card back from the post office showing Allstate Credit Bureau received the letter. However, I still didnt receive validation of debt documentation. I filed a complaint with CFPB on XX/XX/XXXX & XX/XX/XXXX however I still received no documentation. In addition, I filed a dispute with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The Furnisher has an obligation to ensure accuracy of information and to correct all errors. However, The Furnisher for Allstate Credit Bureau is continuously breaking the laws of the FRCA and violating my rights. Lastly, I filed a complaint with the FTC on XX/XX/XXXX.

All State Credit Bureau, Inc.

MI

XXXXX

Consent provided

Web

2020-05-09

Closed with explanation

Yes

2022-02-08

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

I received a letter of debt collection from CMRE Financial Services , Inc.I do not believe that they are licensed in Illinois . They have an NMLS id ( XXXX ) and are apparently licensed in 11 states, but Illinois is not one of them. I am awaiting additional information from the hospital where this debt is alleged to have arisen. The debt is for {$200.00} and if I owe the debt I will pay the hospital, but CMRE should not be performing debt collection activities if they are not licensed in Illinois. I have also filed a complaint with the Illinois Department of Financial Institutions.

CMRE Financial Services, Inc.

IL

601XX

Older American

Consent provided

Web

2022-02-22

Closed with explanation

Yes

2020-05-01

Checking or savings account

Checking account

Closing an account

Company closed your account

I sold something worth {$70.00} to someone and they chase quick pay'ed me the money and then they called Chase and said it was fraud. Chase thennclosed my account without even contacting me and I can't open an account there anymore. I've tried calling multiple times and going in.

JPMORGAN CHASE & CO.

CA

94568

Consent provided

Web

2020-05-01

Closed with explanation

Yes

2023-10-26

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XX/XX/2023 I had to file a police report for cyber hack and identity theft with the following XXXX XXXX and XXXX XXXX of XXXX and XXXX XXXX XXXX and XXXX XXXX the police officer at the time only written in the report what I had access to which at the time was a credit report from XXXX so she took my report her name is XXXX XXXX who works with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, NY XXXX so on the report it shows XXXX XXXX with part of the account number and Balance owed and date it was reported. The second account that was written in the report was XXXX XXXX of XXXX XXXX with the balance owed and date the account was reported to the credit bureau. When it comes to family first of XXXX XXXX located at XXXX XXXX XXXX XXXX NY XXXX I had called on the phone and spoke to a fraud investigator her name is XXXX I had called her on the phone on XX/XX/2023 and had a diolog with everything that me and my family have been through with the cyber hack and identity theft and this account was also hacked and told her I am not responsible for the entire balance now I did explain to her I did open this account and yes I did make a transaction but not responsible for the rest due to the fact it's fraud she was also very rude and kept on asking the same question over and over again telling me she used to work for the fbi and that I am past the statue of limitations I told her this isn't my first time this has happen because it happen to me when i banked with XXXX XXXX XXXX and XXXX and explained that statue of limitations is wrong because why would that bank help me with a claim and not then I asked her I need copies of every bank statement and she told me why what for she then said that I did all the transactions with out hearing me out fully she was rude and not being fair with me and said I would have to drive to the XXXX XXXX branch to get my statements after I have a interview with her she was speaking to me like a XXXX XXXX and was wanting to interrogate me I didn't appreciate her attitude on the first call so after her telling me I would need to be seen in her office in person before any statements can be handed over and have a talk with her on Monday well I called her back and she went over some transactions with me and starts putting words in my mouth that I did every single transaction all because she looked and checked and said that all the transactions were done in the area where I live I told her that doesn't mean I did the transactions and asked her if there was any possibility of me going to the XXXX XXXX where I originally opened my account to get copies of statements she asked why do u want them when I just went through every transaction with you and no u can't you have to come to me I am the only person with your account I told her it was an inconvenience to me to drive XXXX XXXX from my house when I have a XXXX XXXX and am in palliative care she did not care and I asked her can u mail the copies of every statement to my house she then says my address is listed as a bad address that's a lie cause I get all my mail packages medications with no problems so on XX/XX/2023 XXXX calls again and is wanting me to call her but I don't feel comfortable calling her because of the way I was treated during my call with XXXX on the XXXX of XXXX I forgot to mention that she had told me that my account was in the hands of an attorney but when I asked her for the attorney name and address and phone number she never would tell me

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Fidelity National Information Services, Inc. (FNIS)

NY

XXXXX

Consent provided

Web

2023-10-26

Closed with explanation

Yes

2018-12-17

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

On XX/XX/XXXX I sent a debt validation letter to PlusFour Inc. as they showed on my credit report for {$450.00} and {$430.00}. They rejected my attempt to deliver the letter. I sent a follow up email regarding debt on XX/XX/XXXX. Still no verification of debt. I have never once received a statement or acknowledgement that this exists. Would like both trade lines deleted from my record immediately.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

PlusFour, Inc

WA

98604

Consent provided

Web

2019-01-10

Closed with explanation

Yes

2022-11-06

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Sued you without properly notifying you of lawsuit

I was never contacted by this company. One day my neighbor grabbed my package for me while i was at work and there was a very embarrasing packet on my porch stating that I was being sued. it wasnt in an envelope or anything.They have not once made contact with me or left a voicemail. It is also very humiliating when your neighbors tel you that you are being sued. Thats kinda personal.

PORTFOLIO RECOVERY ASSOCIATES INC

CA

94589

Consent provided

Web

2022-11-06

Closed with explanation

Yes

2021-11-17

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

I am apply under the Cares act - because of the pandemic I lost my job and unable to maintain the payment to this account XXXX XXXX XXXX Account number XXXX. Please remove the account from all three of my credit bureaus so I may proceed to improve my financial situation. I am requesting relief under the Cares act.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

77004

Consent provided

Web

2021-11-17

Closed with explanation

Yes

2022-12-26

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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. FTC REPORT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

323XX

Consent provided

Web

2022-12-26

Closed with non-monetary relief

Yes

2018-11-23

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was already discharged in bankruptcy and is no longer owed

Doctor billed wrong insurance and called them. I was on XXXX and they bill my old insurance.. The Doctors office said at the time it was taken care of. In the coarse of getting a home loan, my credit was ran. The collection was on there twice under two different names of collection agencies. Both refused to remove when report. We sent in dispute with the credit report and finial one of them was removed. Reached out to collection agency because the doctor is dead. The doctors office can not fix the error. They will still not remove and has cost me so much money, time and stress. I do not owe this and they said even if I paid them they will not remove it. They have been rude and degrading to my lender, mortgage broker, real-estate agent and myself. laughing and hanging up on us.

WESTERN CONTROL SERVICES, INC.

CO

80005

Consent provided

Web

2018-11-23

Closed with explanation

Yes

2023-03-13

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

The Credit Bureau never sent me the full procedures that were took to investigate the inaccurate accounts being reported on my credit profile such as the original contract, my wet ink signature agreeing to terms on contracts with credit and ectEquifax violated my right under the FCRA Equifax never sent me the full investigation that they took to validate that accounts I demand that Equifax Removed the 2 inaccurate accounts off of my credit report immediately the two accounts below are being reported inaccurate and doesnt belong to me and is being reported inaccurately on my credit report please remove immediately. Thanks Inaccurate Accounts : XXXX XXXX XXXX Account number XXXX, has violated my rights. 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

EQUIFAX, INC.

FL

33056

Servicemember

Consent provided

Web

2023-03-13

Closed with explanation

Yes

2019-12-12

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

I accepted an employment position XX/XX/XXXX with a company called XXXX XXXX. A position where I would train for a month and then become full time employee as a XXXX XXXX. I was training every day with my supervisor and because I was doing well with my studies I was ask by him and corporate if I would assist them in purchasing products with pay for their XXXX office. They would provide me a corporate bank account to pay for the items purchases through my credit card. I had no idea that what they were asking me to do would not only result in bank fraud-robbery but also employment and mail fraud, according to XXXX County Sheriff department when I filed a complaint. There was premeditated fraud to rob any bank through false employment. I have contacted Citi Bank several times once I found out I was part of fraud. I would only get the " front '' line reps even though I asked for the Fraud Department and a manager of this department, all I was told was I would get a call from someone in this department. I never received a call from their fraud department or any manager to discuss this horrible situation. I called Citi Bank to get the address for this department to mail a packet with this letter and documents to show them I am a victim of bank fraud. I found out I was given a non-existent address from the rep on XX/XX/XXXX when I went in to mail the packet on XX/XX/XXXX. I went online to find a real address to get it mailed and it was delivered with confirmation on XX/XX/XXXX. Below is my letter to Citi Bank describing the fraud that happened to me. XX/XX/XXXX Citi Bank XXXX. XXXX XXXX XXXX, MD XXXX Customer Service XXXX/XXXX Fraud Department XXXX Re : Fraud Reporting on Acct # XXXX Citi Aadvantage Card To Whom It May Concern : I am writing this correspondent as the several attempts I have made to contact Citi Bank via phone XXXX has gotten me nowhere. If you really do have a fraud department I do not understand why no one from this department has not contacted me on this matter from the first time I called on XX/XX/XXXX and as of the mailing of this letter. I thought time would be of essence when reporting a crime and this doesn't seem to be any concern of Citi Bank. I am concerned. My credit is excellent and I'm in a position to where it can be compromised because of this fraud. I was interviewed and hired with XXXX XXXX as a XXXX XXXX, where I agreed and signed an employment contract to be trained the first month as an XXXX XXXX to finance-lease equipment. I would train and work remotely from my home until an office opened in XXXX, Az. Once training was completed, I would be hired full-time as an employee for XXXX, per the agreement I signed. People Involved : XXXX XXXX - XXXX XXXX XXXX, XXXX, MA XXXX - Web : XXXX Working Hours : XXXX XXXX ET - XXXX XXXX ET XXXX XXXX, Regional Manager- Special Projects Department Contact Number : ( XXXX ) XXXX XXXX ( cell ) XXXX XXXX XXXX | Senior HR Manager XXXX XXXX XXXX HR Department XXXX , MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HR Manager XXXX XXXX XXXX HR Department XXXX, MA XXXX XXXX XXXX XXXX XXXX Mr. XXXX XXXX Head of Finance Department XXXX XXXX Senders CA Office Info : Mr. XXXX XXXX , Requisitioner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX In my interview and email correspondence, XXXX was setting up an office in XXXX-XXXX, Az area where eventually an office would be set up in XXXX. I signed the contract and started training the first week of XXXX. As I continued to progress and do well in my daily training I was asked if I would be willing to purchase office equipment for the XXXX office for additional compensation. I did not expect to be requested of this task. I was doing well on my studies so I agreed to assist them as I was communicating with my supervisor on a daily basis and everything was professional as any previous position I have had in the past. I was provided everything in writing and instructions to set up a XXXX XXXX XXXX XXXX corporate account XXXX and routing number XXXX to pay for the items as I purchased for them. I was authorized to spend up to {$14000.00} not exceeding {$7000.00} in purchases per day ( see XXXX Banking Instructions enclosed ). Per email conversations with my supervisor and provided instructions ( enclosed ), I would transfer amounts to my card then purchase the items on the Purchase Orders provided starting first with a balance transfer to bring my credit card to a XXXX balance. I was told I could use any card as long as it was credit and not a debit card at which I used my Citi Aadvantage card for these purchases. This was to be a clean wash ; I would transfer money from the XXXX XXXX corporate account I was provided and at the end the final transfer would be the total that would bring my credit card balance back to the way it was before these purchases occurred. I was instructed to bring my credit card account to a XXXX balance with a first transfer, which was successful. And once that payment posted I was instructed to go ahead and purchase the first set of items that was on the purchase order they provided to me. Corporate Card and Purchases - Time Line of Activity : XX/XX/XXXX Added Corporate Account to my Citi Aadvantage card profile XX/XX/XXXX Processed balance transfer of {$2100.00} to bring card to a XXXX balance XX/XX/XXXX Citi Aadvantage card email notice : Received Payment Confirmation of {$2100.00} XX/XX/XXXX Citi Aadvantage card email notice : Payment Posted {$2100.00} XX/XX/XXXX Purchased 1st lined items on PO - XXXX ( 2 ) {$2100.00} and shipping to office of {$88.00} = {$2200.00} XX/XX/XXXX Processed balance transfer of {$2200.00} with success of processed payment XX/XX/XXXX Purchased 2nd lined items on PO - XXXX ( 2 ) {$2900.00} and shipping of {$130.00} = {$3100.00} XX/XX/XXXX Citi Aadvantage card email notice : Received Payment Confirmation of {$2200.00} XX/XX/XXXX Citi Aadvantage card email notice : Payment Posted {$2200.00} XX/XX/XXXX Went online to do a balance transfer of {$3100.00} as I had instructions to process a second purchase order. - Per the purchase order provided there were four items on the order two XXXX and two XXXX. I purchased the two XXXX first, once purchased I was authorized to make a XXXX XXXX transfer to my Citi Aadvantage card to pay for these items. Once the payment posted, I was then instructed to go ahead and purchase the two XXXX of which I did. Items Purchased : 2 XXXX : {$2100.00} XXXX {$88.00} Tracking : XXXX 2 XXXX : {$2900.00} XXXX {$130.00} Tracking : XXXX Shipped to : Mr. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Total of Fraudulent Charges : {$5300.00} After purchasing the XXXX I went online to my Citi Aadvantage card account to make a bank transfer as I was provided a second Purchase Order to purchase additional supplies and that is where I discovered that one of the two payments posted was retracted, where the first transfer done on XX/XX/XXXX was returned. I was confused on the current balance of my credit card as it should have reflected the two payments I transferred from the XXXX XXXX XXXX account. XX/XX/XXXX, I immediately contacted Citibank to find out what was going on and how a payment posted could be retracted as I have never seen this before and didn't understand why this was happening. I was told by a Citi Bank representative that I was not authorized to use the XXXX XXXX XXXX corporate bank account provided to me. I told the representative that I did have authorization and had it in writing. I was told to contact the company that provided the bank information of which I did. I called and sent an email to my supervisor Mr. XXXX, to see what the problem was, I still didnt understand how payments could be processed and confirmed but now be retracted. I didnt receive a call back or a reply to my email sent on XX/XX/XXXX from my supervisor. By not responding, since I had been communicating with Mr. XXXX for weeks, I then realized that this was not only employment fraud it was internet bank fraud robbery and mail fraud. I now realized as well I was not even training for a position or will be paid and that I was unemployed again now damaged financially from this crime. On XX/XX/XXXX, I contacted Citi Bank immediately again and spoke with a representative XXXX. I spent almost an hour on the phone where I provided as much information I could for her to forward to Citi Bank Fraud department. She told me the fraud department would be informed and would contact me the following week for additional information as it was Friday afternoon when I called. After speaking with XXXX, I contacted my local authorities ; XXXX County Sheriff 's department to file a crime report. After speaking with the deputy that took my report, he recommended that I contact XXXX as this was not only internet bank and employment fraud it was also mail fraud. I have also contacted and filed a report with the FBI and Federal Trade Commission as this is employment fraud, internet bank robbery fraud and mail fraud. I have also supplied information to XXXX XXXX XXXX Bank as they are involved as well and the 3 credit bureaus. I also contacted XXXX to see if they had some way to prevent activation through the serial, Part or IMEI numbers and alert phone companies such as XXXX, XXXX, etc. But they didnt care ; all these numbers and none to assist in stopping fraud or crimes. On Tuesday XX/XX/XXXX concerned no one had contacted me from Citi Bank Fraud dept. I called again and just got the runaround. No one would transfer me to the fraud department. Does Citi Bank not take fraud seriously? I don't understand why no one has contacted me about this issue and why I was not transferred to the fraud department. All my other banks have a fraud department ; they mention it when waiting on hold. I called Citi Bank again on XX/XX/XXXX to ask for a physical address to forward this letter and corresponding documents to Citi Bank fraud department and I was only provided a PO box address ( which is not trackable ) but was provided a Fraud Department phone number XXXX. Why this was not provided to me on XX/XX/XXXX or XX/XX/XXXX is beyond me. As you will see in the history of my use of this Citi Bank Aadvantage card that I have had for over a year, I have never had a high or exceeded balance ever. I rarely charged items to this card in the past year and never missed a payment or defaulted. Now my card is over the limit, it is under default of payment because of this fraud. I can't even wrap this around my brain how individuals can even do this to anyone and I am shocked that not only have I been damaged with my credit I am not employed and been training for nothing. How XXXX XXXX. I had no idea this was fraud until I went online to make another transfer to my card with the XXXX XXXX XXXX XXXX account provided to me for the for the items purchased on their behalf. Apparently from the beginning of my hiring I guess, this was a premeditated plan to steal through false employment. To hire, to deceive, and to use a bank account and routing number to falsely pre-pay for items in using others to purchase for them through an employment contract and professional documents that appeared to be legitimate and legal. What I dont understand is how payments posted and confirmed if this was not a real bank account. Financial institutions have way more resources then I do to prevent crime. I have no resources to be able to find these criminals. I have done the best that I know on what to do in a situation like this since this has never happened to me before. I have contacted every entity involved in this crime and filed police reports, maybe one day these criminals will be caught or to help prevent another individual in getting scammed as I have experienced. I need your assistance in moving forward. This has been very stressful and your lack of assistance has not helped me with this horrible position I've been put in and the stress you have added to this situation. Every harassing phone call I have received the past three weeks from Citi Bank starts out saying. " Thanks for being a part of the Citibank family '' this is how you treat family? You just blow me off when fraud is reported and continue to harass daily for payment? If I was XXXX or mugged or any other crime, my family would have helped me. So where do we go from here with my account? When I called again on XX/XX/XXXX and could not get XXXX and had to speak to one of your incompetent rude reps ( you should see who I spoke with on this date per your phone logs ), she kept putting me on hold to research, told me there was nothing on file about my call to XXXX and then mentioned to me that they can't go after XXXX which confused me because I don't know why you would. You should be talking to XXXX XXXX XXXX XXXX about this since both banks are both involved with this criminal activity and you have unlimited resources on how to prevent crime more than an individual citizen has. Why you have no record of me speaking to XXXX on XX/XX/XXXX is beyond me as well. Since the past year I have never had the need to contact Citi Bank as I paid my statement every month, hoping by being employed now I would be able to pay the balance down or off. So now that I have had to contact Citi Bank, its been a pretty XXXX horrible experience. You need better customer service. Though I enjoy working from home, never again will I accept a remote position. I now face losing my house that I have lived in for 16 years because of this internet bank robbery, employment, mail fraud scam as I am still unemployed with this trauma hanging over me. What is going to happen here? Am I going to be hanged for this crime that I had no idea I was a part of or will my Citi Bank Aadvantage card be restored to the way it was before this happened? These purchases are not mine, not in my possession and in no way did I know that a payment transfer could be confirmed paid then retracted after notice of payment posted. I have provided all the information I have to show that I am innocent in this situation as I thought I was working for a company that provided an authorized bank account to pre-pay my account as these items were purchased. I believed these transfers coming from XXXX XXXX XXXX XXXX were legitimate from the confirmations I received from Citi Bank. Fraud should be a financial institutions most high importance to prevent and I am shocked how Citi Bank has yet to assist me with this crime or even be interested how an entity can do this and get away with it. This is Pre-meditated Internet Bank Fraud, that should be of concern, do you think the local authorities and FBI can handle all the crimes of our country without your or my help? How easy it is to scam a person searching for and needing employment, than to put on a mask, have a gun and go rob an actual bank? I wait for your response via email or phone call, my contact information is below. Respectfully, XXXX XXXX Enclosures : XXXX XXXX Info Instructions XXXX XXXX Transfer Example XXXX PO Letter Citi Bank Payment Confirmation Notices XXXX County Sherriff Dept. Letter FBI Complaint Filed Doc FTC Complaint Filed Doc XXXX Email Correspondence XXXX Company Info. CC : XXXX County Sheriff 's Department Case # XXXX Federal Bureau Investigation ( www.iv3.gov ) Complaint Filed Federal Trade Commission Report # XXXX XXXX Case # XXXX XXXX XXXX Dept. Called and Emailed XX/XX/XXXX XXXX XXXX Corporate Headquarters XXXX XXXX XXXX, XXXX OH XXXX XXXX Checking and Savings Customers XXXX XXXX Fraud Victim Assistance Dept. Consumer Fraud Division XXXX. XXXX XXXX XXXX, GA XXXX XXXX National Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX XXXX Fraud Victim Assistance Dept. XXXX XXXX XXXX XXXX, PA XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

AZ

85705

Consent provided

Web

2019-12-12

Closed with explanation

Yes

2020-08-02

Debt collection

Other debt

Written notification about debt

Didn't receive notice of right to dispute

I spoke with XXXX from Allied Collection Services , Inc. twice on the phone after receiving an email for a debt originating from XXXX. I am not convinced that I owe this, which I told XXXX. I was also concerned that I had not received a hard copy of the account by Allied Collection Services , Inc . I told XXXX that if Im responsible for the debt I will gladly pay it but I did not think it was appropriate that I was not mailed a statement. I confirmed my address with XXXX to find that it was incorrect. My apartment number was wrong. When we realized this, I thought that they would send a statement right away. He still refused, stating that they had already mailed one on XX/XX/XXXX, even though he had just identified an incorrect mailing address. This reluctance on their part has caused me to feel suspicious about the legitimacy of the dollar amount in question. I am ready to resolve this quickly, Im not sure why XXXX and Allied Collection Services would choose to operate this way.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Allied Collection Services, Inc. (Nevada)

FL

33309

Consent provided

Web

2020-08-03

Closed with explanation

Yes

2020-04-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Dear CFPB, To whom can help me. TransUnion is continuing to violate my rights and continues to violate FCRA Laws put in place to protect citizens of the United States of America. TransUnion continues to report a fraudulent address on my credit profile for many months after disputing it. TransUnion has re-inserted 2 fraudulent accounts back into my report without a 5-DAY FORECAST, a forecast that protects the consumers and gives them a chance to contest the reinsertion of a deleted account. No furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, or disguise it and re-report it, without notifying the consumer and giving he/she the opportunity to contest it. TransUnion has violated this law and thus has violated my rights. Please delete the fraudulent accounts and address listed below : ( 1. XXXX XXXX XXXX XXXX : Credit Card -- > deleted -- > Reinserted without notice -- -- -- -- -- - XXXX -- -- -- -- -- -Closed - {$0.00} -- -- -- -- -deleted -> reinserted under false procedures ) ( 2. XXXX XXXX : Credit Card -- > deleted -- > Reinserted without notice -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -Closed - {$0.00} Deleted -> reinserted under false procedures ) ( 3. Inaccurate address -- -- -- -- -- XXXX XXXX XXXX, XXXX, MI XXXX -- -- - ) This is the 4th and final attempt, I can not allow TransUnion to continue decimating my credit profile and humiliating me by denying me the right to transportation and housing. This will be my intention to suit TransUnion for poorly procedures and violating my rights and the FCRA Laws. Thank You in advance for your help, effort, and time.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

48210

Consent provided

Web

2020-04-06

Closed with explanation

Yes

2021-09-28

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. ACCOUNTS : 1. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX XXXX ) 3. XXXX XXXX XXXX ( XXXX XXXX XXXX ) With continued use of unverified debt and contracts there are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ; False or Misleading Representations 15 U.S.C. 1692e that does not meet Generally Accepted Accounting & Auditing Practices as verification is a federal violation will be used as evidence in Legal Claims.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33179

Consent provided

Web

2021-09-28

Closed with explanation

Yes

2021-08-02

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

EQUIFAX, INC.

NJ

08854

Consent provided

Web

2021-08-02

Closed with explanation

Yes

2018-06-05

Debt collection

Private student loan debt

Attempts to collect debt not owed

Debt is not yours

I received a letter from Transworld Systems IncXXXX For a creditor by the name of XXXX XXXX student loan.TRUST XXXX. Creditors account number : XXXX. With a principal balance of XXXX with an interest balance of XXXX XXXX with a balance due of XXXX. This debt does not belong to me. I'm unaware as to whether or not my deceased ex-husband, XXXX XXXX XXXX, signed my name on any forms requesting this loan. However, in the event this loan were to be his or was to have been signed by him that should have been before our bankruptcy was filed in XXXX. In the event that this debt is owed by XXXX XXXX XXXX it should have been resolved with the bankruptcy. There were many loans XXXX XXXX XXXX took out in my name without my knowledge, which he was required to pay in the divorce settlement in XXXX. I have never received funds for this loan nor did I request this loan nor do I have knowledge of this loan.

TRANSWORLD SYSTEMS INC

TX

755XX

Consent provided

Web

2018-06-05

Closed with explanation

Yes

2019-08-26

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

On XX/XX/XXXX, I received a call from XXXX XXXX at Asset Recovery Associates ( XXXX ) who informed me I had an outstanding debt with XXXX XXXX credit card company that had been turned over to them for collection. The original amount they claimed I owed was {$3200.00}, but were offering me a settlement of {$2200.00} if I paid them today over the phone using a credit card. Mr. XXXX alleged this account had been opened XX/XX/XXXX, and was in default from XX/XX/XXXX-XX/XX/XXXX. I had neither records or knowledge of this account, nor does it appear on any of my credit reports. I was concerned because he had my unlisted phone number, social security number, my home address and knew some of my credit information. They also misspelled my first name. I discovered ARA made a soft inquiry today into my XXXX credit report when I was checking my report for any such account. His tone was aggressive and felt threatening. When I told him I had no memory or evidence of such account, he accused me of lying and trying to avoid my responsibility. When I asked for documentation, after a long delay, he sent me a letter regarding our conversation, alleged account number and an " Affidavit and Assignment '' letter issued XX/XX/XXXX. I told him I needed to check my credit report and personal records and get back with him with the information. I was unable to find any record of this account.

Financial Credit Service, Inc.

CA

95076

Consent provided

Web

2019-08-27

Closed with explanation

Yes

2023-02-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi there on XX/XX/2023 I was a victim of fraud on my personal banking and info I did all the measures required after the fact including contacting my credit bureaus to stick Fraud Alerts on my reports incase someone tried to pull my credit! So today XX/XX/XXXX I get an alert stating there was an inquiry on my XXXX XXXX via trans union for some XXXX financials! I IMMEDIATELY called the bureaus to deal with this matter - XXXX was not connected to it so I called transunion! I went through 6 different customer service reps who didnt take this seriously at all!!! The one actually laughed! They all told me it is what it is and I could go online fill out paper work and thats it! SO WHY DO WE HAVE CUSTOMER SERVICE AND WHY ISNT FRAUD TAKEN SERIOUSLY! So what now I wait months on feedback when someones is having fun trying to get loans, is this a XXXX XXXX This is my personal Info someone has taken its extremely violating and TRANS UNION needs to deal with it in an URGENCY not fill out form will take a look at it when we can LIKE XXXX this should be taken care of immediately!! Ive never been so disgusted by customer service reps in my life! This isnt a joke or a laughing matter! Its my INFO AND someone is applying for thing nailing my credit and score!

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

XXXXX

Consent provided

Web

2023-02-06

Closed with explanation

Yes

2022-06-03

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 Convergent XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

EQUIFAX, INC.

IL

618XX

Consent provided

Web

2022-06-03

Closed with explanation

Yes

2020-02-27

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

discover card has failed to update my account balance with all 3 credit bureaus

DISCOVER BANK

NJ

070XX

Consent provided

Web

2020-02-27

Closed with explanation

Yes

2022-10-22

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 the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX - ACCT # XXXX DEPT OF ED/XXXX- ACCT # XXXX DEPT OF ED/XXXX - ACCT # XXXX DEPT OF ED/XXXX - ACCT # XXXX DEPT OF ED/XXXX - ACCT # XXXX DEPT OF ED/XXXX - ACCT # XXXX DEPT OF ED/XXXX - ACCT # XXXX DEPT OF ED/XXXX - ACCT # XXXX DEPT OF ED/XXXX - ACCT # XXXX XXXX- ACCT # XXXX XXXX - ACCT # XXXX 15 USC 1681 section 602 A states I have a right to privacy. 15 USC 1681 section 604 A subsection 2 further states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) states that 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 the records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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.

EQUIFAX, INC.

CA

95648

Consent provided

Web

2022-10-22

Closed with explanation

Yes

2022-07-12

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Charged too much interest

I have a Chase Sapphire preferred credit the total balance was {$12000.00}. Last year in XX/XX/XXXX was very sick i have to go abroad to take care my self because the hospital bill in USA are too expensive. I don't pay my credit for XXXX months because. I call Chase costumer service they tell me my credit is closed. I can not use it anymore. So my balance was {$12000.00}. Since then I pay XX/XX/XXXX XXXX I Pay : {$1500.00} XXXX I pay : {$400.00} XX/XX/XXXX I pay : {$350.00} XX/XX/XXXX I pay : {$400.00} XX/XX/XXXX I pay : XXXX My Total balance was : {$12000.00} So all my payments maid was total : {$2900.00} I see my balance is : {$11000.00} This is mean : Chase take the principaXXXX is only : XXXX And the interest is : {$1900.00} More than 100/ 100. It's why I file this complaint.

JPMORGAN CHASE & CO.

CO

816XX

Consent provided

Web

2022-07-12

Closed with explanation

Yes

2023-05-18

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) in order to request a formal investigation and correction of an account that appears to contain inaccurate and incomplete information on my credit file, as required by the Fair Credit Reporting Act. Regarding the XXXX XXXX XXXX XXXX account with a balance of {$0.00} and a date opened of XX/XX/2021, I would like to verify the payment history and current status of this account. I strongly believe that this account is reporting inaccurate information. I have always made my payments on time and have maintained my own payment records. The information provided by the Credit Bureaus does not align with the records I have. I kindly request a thorough investigation into this account to ensure legal and accurate reporting. Additionally, I kindly ask that the Credit Bureaus verify the aforementioned account. If the information can not be fully substantiated as completely accurate, I respectfully request an immediate correction of this account on my credit report.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NC

27215

Consent provided

Web

2023-05-18

Closed with explanation

Yes

2019-10-02

Debt collection

Medical debt

False statements or representation

Impersonated attorney, law enforcement, or government official

XXXX XXXX XXXX is violating federal law XXXX5 U.S. Code 1692e. False or misleading representations ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney

CURO Intermediate Holdings

CA

92139

Consent provided

Web

2019-10-02

Closed with explanation

Yes

2019-10-10

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old Capital One account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance zero, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ), account ending in XXXX paid in full, zero balance closed by consumer, account ending in XXXX, paid in full, zero balance. This accounting proves that I only had one unpaid account with Capital One. Yet I believe that The Bureaus obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from Capital One. It is difficult to believe that a publicly traded company such as Capital One would be dumb enough to sell the same debt twice. Accordingly, I claim identity theft by The Bureaus from either XXXX XXXX XXXX or from Capital One directly. I paid my Capital One account directly with XXXX XXXX XXXX. My disputes with The Bureaus went nowhere, where this fraudulent company stated to the bureaus that the Capital One debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, XXXX and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from The Bureaus, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX

CAPITAL ONE FINANCIAL CORPORATION

NY

121XX

Consent provided

Web

2019-10-10

Closed with explanation

Yes

2023-04-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

I would like to permanently delete the negative item on my report that is paid. Details and proof is in the attachments.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

NV

890XX

Consent provided

Web

2023-04-06

Closed with explanation

Yes

2023-03-23

Debt collection

Mortgage debt

Attempts to collect debt not owed

Debt was already discharged in bankruptcy and is no longer owed

Specialized Loan Servicing, LLC is a debt collector that took over a loan that was previously loan serviced by XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX and later XXXX XXXX XXXX XXXX XXXX, XXXX. The loan is based on a XXXX loan generated by XXXX XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. On or about XX/XX/XXXX XXXX XXXX XXXX ( a loan broker ) recorded the debt at XXXX XXXX XXXX XXXX XXXX, XXXX, California with a Deed of Trust that added an additional parcel of land that was not included in our loan documents or descriptions of pledged land. The value of that additional parcel was approximately {$47000.00} for XXXX square feet of view property and is listed at the county as vacant, unimproved land. The loan with XXXX was for refinance and money to finish out a second dwelling unit ( mother-in-law ) over our garage. The loan value was {$560000.00} and the property of our home located on a separate tax parcel was appraised for {>= $1,000,000}. In XXXX we talked with XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) about having a dry spell in consulting income. Instead of working with us, and after refusing offers of payments, we were informed that the loan was in foreclosure. We rejected their duplicitous actions and they verbally offered a forbearance agreement. The terms were full of errors and upon receipt of the written forbearance agreement on or about XX/XX/XXXX on the same day received I rejected the agreement in writing by email and mail, asking for corrections. At that time, I was unaware of the material alteration of our loan document. Following my immediate rejection, XXXX never submitted a new agreement [ this was admitted by XXXX during a trial. ] After making payments we thought exceeded the current amount due, I again asked XXXX for an accounting and corrected agreement. Instead XXXX through XXXX XXXX XXXX XXXX XXXX ( XXXX ) recorded a notice of non-judicial foreclosure. The foreclosure was based upon the rejected forbearance agreement. XXXX did not claim we were in default on the XXXX Mortgage. It turns out that in a Foreclosure Title Insurance Policy, XXXX confirmed there was no enforceable loan and they would not insure that title. We filed a complaint in XXXX XXXX XXXX seeking an Injunction ( temporary injunction was approved ) and state court of appeals confirmed that the forbearance agreement was void under statute of frauds. XXXX recorded a notice of rescission of the notice of default. Then filed a new notice of default in XXXX. We used a XXXX XXXX bankruptcy complaint to stall the next non-judicial foreclosure in XXXX XXXX, which NOD was rescinded later. In the meantime, XXXX transfered the loan servicing to Specialized Loan Servicing, LLC ( SLS ) which, as had XXXX XXXX used our payments for themselves. We are trying to get the loan servicer to stop collections and to return our funds paid over the years from XXXX through now, as we are forced to continue to make payments under duress on a void ab initio debt to be able to stop any non-judicial foreclosure payments. Presently, Specialized Loan Servicing, LLC the current debt collector is abusing uses of funds and taking payments without legal standing. Today we submitted our 13th Qualified Written Request/Request for Information to SLS and disputed the debt, their collection practices and the legal standing of the debt. When XXXX recorded the original loan Deed of Trust XXXX their adding an additional parcel to our pledged real property was done in secrete, without our permission or approval or knowledge. Per California Civil Code Section 1700 a " material alteration of a contract '' " extinguishes any performance required of us '', the party that was not a party to the material alteration. The Loan Servicers and their attorneys know this and admitted the alteration of the deed of trust in court hearings and concerns that the 'debt could be determined noncollectable and the deed void in a future judicial proceeding ' and have listed the amount owed as {$0.00} but continue to attempt to collect debts monthly or will record a new non-judicial foreclosure. We are in our XXXX 's and this abuse is wearisome.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Specialized Loan Servicing Holdings LLC

CA

94801

Older American

Consent provided

Web

2023-03-24

Closed with explanation

Yes

2017-11-21

Vehicle loan or lease

Loan

Managing the loan or lease

Problem with fees charged

The Car got repossessed after payment was made and also the Finance company it 's adding all kinds of fees and stalling the car from release after all fees were paid, also she does not want to provide a break down of charges, and did not want to take any other form of payments except cash, car still at the storage after 15 days and they are charging {$50.00} per each additional day, the rep at the storage garage said she still has not receive any release order from finance company yet, also the person at the finance company is not letting us talk to a supervisor, she is also very rude her name is XXXX, the personal from the storage place even called her to ask about the release form and she still did not get it done

Credential Acceptance Corporation

CA

90022

Consent provided

Web

2017-11-21

Closed with explanation

Yes

2021-03-06

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

I lost my Best Buy credit card and I call them to replace it for me and now they open a new account for me wich i never requested or they run a new hard inquiry on my credit again wich is not normal and this really dropped my credit down. I just talk to them on phone a couple of minutes ago and they recognize that it was a mistake and theyre going to work on it. But my problem now is that they put a hard inquiry on my credit without my permission and my credit get harmed and dropped 74 points I really went this damage to be repair so I can get my points back because I really have a lot things to do with my credit and now because of this my plans cant work as planned. Im planning to take this case to court incase i couldnt get my 74 points back. I need your advices.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

VT

054XX

Consent provided

Web

2021-03-06

Closed with explanation

Yes

2020-09-22

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

The following information listed on my XXXX and Experian credit report is fraudulent, unauthorized and not my accounts, credit inquiries or payment history : XXXXXXXX XXXX XXXX, {$140.00}, XX/XX/2020. Credit Inquiries : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX, XX/XX/2020. Payment History : XXXX XXXXXXXX XXXX payment history is fraudulent.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

MN

55343

Servicemember

Consent provided

Web

2020-09-22

Closed with non-monetary relief

Yes

2020-09-01

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

Auto loan paid in full since XX/XX/XXXX XXXX.XXXX XXXX XXXX still had not updated any credit reporting bureau.when I disputed the information, they still failed to report accurate updated status.prevented me from obtaining a new vehicle at a low rate

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

GA

30349

Servicemember

Consent provided

Web

2020-09-01

Closed with explanation

Yes

2016-09-25

Debt collection

Credit card

Cont'd attempts collect debt not owed

Debt is not mine

this account was result of fraud and i never authorized this account and has been disputed numerous times with wells fargo to remove this account from my credit bureau ref Dillards account number XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

DE

19701

Consent provided

Web

2016-09-25

Closed with explanation

Yes

Yes

2022-10-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

Again you telling me a computer reach out and talk to someone and verify all my information and and again by law I'm asking you to please provide me with the information by FCRA act. All my rights been violated violated by all three major credit bureaus along with consumer financial protective burea... I'm ask by law whom did you talk to time date phone number

EQUIFAX, INC.

CA

90017

Consent provided

Web

2022-10-24

Closed with explanation

Yes

2018-06-18

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

Received an 83 point credit drop for no apparent reason.

EQUIFAX, INC.

IL

XXXXX

Consent provided

Web

2018-06-18

Closed with explanation

Yes

2023-06-10

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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

45102

Consent provided

Web

2023-06-10

Closed with non-monetary relief

Yes

2018-03-03

Credit card or prepaid card

Store credit card

Problem when making payments

Problem during payment process

The store card administered by TD Bank offers a deferred interest period of either 6 or 12 months depending on your purchase amount. They encourage you to sign up for electronic statements and billing, but their online payment system is designed to make you underpay during your promotional period so that you will be walloped with a massive amount of accumulated interest at an incredibly high rate. They have the online payment system rigged so that you CAN NOT pay any more than the minimum payment due each month on auto pay. Of course, if that's all you are allowed to pay through the system each month, then you will be far short of the total due during the promotional interest-free period. It is obvious that they have set their system up to increase the likelihood that consumers will either ( 1 ) have to make individual monthly payments, which increases the likelihood of missed or late payments, which will in turn incur late payment fees and it will be considered a default on the interest-free terms of agreement and they can start charging interest immediately ; or ( 2 ) they will only pay the minimum monthly payment since that is all that the online auto pay system will allow and then they will be be far short of having paid off the balance during the promotional period and will incur accrued interest at a whopping 29.99 %. This is THE ONLY online system I have ever used that prohibits consumers from making automatic monthly payments larger than the minimum payment due. It is down right fraudulent in their attempt to force consumers into defaulting on their interest free period. I called them on XX/XX/18 and they confirmed they will not allow automatic monthly payments larger than the minimum amount due.

TD BANK US HOLDING COMPANY

OR

977XX

Consent provided

Web

2018-03-03

Closed with explanation

Yes

2020-02-10

Checking or savings account

Checking account

Problem caused by your funds being low

Overdrafts and overdraft fees

XX/XX/2020, ,Continued Issues, ,I also Heard That ( Mr XXXX XXXX ) was Fired Last. Week At That Wells Fargo Bank So What Is Company Doing About That Problem And Every thing else, ,So UnAcceptable He Stole From Me And. Some of Customers At The Company, ,So UnProfessional and So UnAcceptable!!, ,So What Is The Company Doing About It ( NOW )!! And Also Went To Get Cash At The Bank on about The 5 or 6, ,At The Wells Fargo Bank at XXXX XXXX XXXX , ,In XXXX XXXX NC , XXXX, One Of The Bankers was Very Rude, ,And UnProfessional To Me She Was A Older Woman, ,I Forgot Her Name But She Has Blonde Hair And Wear Glass, ,So UnProfessional!

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

NC

27909

Consent provided

Web

2020-02-10

Closed with non-monetary relief

Yes

2022-03-26

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

Fraudulent inquiries and inaccurate account information

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

94806

Consent provided

Web

2022-03-26

Closed with non-monetary relief

Yes

2018-09-18

Debt collection

Credit card debt

Communication tactics

You told them to stop contacting you, but they keep trying

This complaint is against the Priceline Rewards Visa Credit Card who is constantly harassing me by making phone calls even in the middle of the night or early morning asking me to pay the credit card balance which do not belong to my transactions. I was able to use this credit card for a very limited number of times. It was declined most of the time. However, I made the payments and decided not to use it in future since its embarrassing. Now I have been receiving letters from Priceline that the account has been closed, however, I have been still asking to pay the amount of {$280.00} which includes the late fee and interest charges of each month from XXXX to XX/XX/2018. I fail to understand on what transactions the late fee and interest charges have been imposed. Since Im unable to use this card for a long time, I dont have any transactions made on this card or payments that I owe yet I have been constantly harassed by their phone calls and letter. Though I have signed up for Paperless statements but still Priceline Rewards Visa credit card is wasting the paper of the United States. Id really appreciate if u could resolve this issue by clearing this account. I have used the card only before 2018 began and the total transactions made were of {$320.00} which include some of the returns as well. Payment was made in full. As per promise, I was supposed to receive the statement credit of {$100.00} right after making the first purchase but it made me numerous phone calls to receive the statement credit that I owed. It was a terrible experience and Im seeking your help to resolve this issue and close my account after clearing the balances. Thank you.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BARCLAYS BANK DELAWARE

MT

59715

Consent provided

Web

2018-09-26

Closed with monetary relief

Yes

2017-10-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I saw the following on my XXXX XXXX account, however, I did not authorize any hard credit inquires for the following : XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX from Equifax XXXX, XXXX XXXX NH, XXXX, XXXX

EQUIFAX, INC.

MA

01826

Consent provided

Web

2017-10-19

Closed with explanation

Yes

2022-12-03

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This grave error has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of 5 days prior, they failed to provide me with written notice of this 14 days prior. I am the only one who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The XXXX XXXX makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the XXXX XXXX. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me in accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this information.

LEXISNEXIS

TX

XXXXX

Consent provided

Web

2022-12-03

Closed with explanation

Yes

2018-01-04

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

I have been paying {$280.00} every month but the interest rate is way too high. I asked Naivent to low it but they refused. My student loan was about {$23000.00} and I have been making payment since 2013. Today my balance is ~ {$16000.00} that means they have been charging high interest because I have made more than 49 payments that 's more than {$14000.00}. My balance should at lease {$10000.00}. Please help!

Navient Solutions, LLC.

WA

98012

Consent provided

Web

2018-01-04

Closed with explanation

Yes

2021-06-22

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was paid

We paid these two debts through XXXX XXXX. Both have been settled and paid. I have faxed proof of these settlements to Midland and they have acknowledged that to me verbally. I was told they had received the information and were working on it. They keep asking for the money, then they understand my frustration, then they will check it out, then nothing until another collection call. I want this cleared up and acknowledgement from them it is corrected.

ENCORE CAPITAL GROUP INC.

CO

814XX

Older American

Consent provided

Web

2021-06-22

Closed with non-monetary relief

Yes

2022-12-01

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Personal information incorrect

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed that my personal information is incorrect. This is my second time writing you to update my personal information, Please see attached information that need to be updated.

EQUIFAX, INC.

VA

231XX

Consent provided

Web

2022-12-01

Closed with explanation

Yes

2023-03-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I disputed the account with the company and allowed them ample amount of time and they have have failed to comply with the investigation. They have failed to adequately respond to my debt validation. This debt was allegedly charged off and they are still reporting that I owe them after sending me a 1099C allegedly and showing no verification with the IRS .If a 1099C is filed how are you reporting income thats FRAUD violations : 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 ; 15 U.S Code 1681b Permissible purposes of consumer reports Produce the 1099C

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MA

02122

Consent provided

Web

2023-03-24

Closed with non-monetary relief

Yes

2019-05-02

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

The XXXX XXXX XXXX and XXXX service has fraudulently put a negative item on my credit report. I have attached appropriate documentation. I demand that this item is removed immediately.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

IN

46060

Servicemember

Consent provided

Web

2019-05-02

Closed with non-monetary relief

Yes

2023-06-20

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

FL

33018

Consent provided

Web

2023-06-20

Closed with explanation

Yes

2018-04-24

Debt collection

I do not know

Written notification about debt

Didn't receive notice of right to dispute

Good Afternoon, I was checking my credit report, and I came across a collection account from XXXX XXXX. I do not know who this company is, nor have I done any business with them. I also did not receive any notice of this debt or the ability to obtain validation of it. I sent them a letter requesting validation, but did not receive a reply.

Resurgent Capital Services L.P.

TX

XXXXX

Consent provided

Web

2018-04-24

Closed with explanation

Yes

2022-11-04

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXXXXXX Balance Owed : {$52.00} ; XXXX XXXX XXXX XX/XX/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.

CA

93535

Consent provided

Web

2022-11-04

Closed with non-monetary relief

Yes

2019-10-21

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

hi i dont know who is the creditor and i have this account on my profile show a balance of {$490.00}, ,i would like to request a validation from a third party collection agency .. i need proof of either own or were assigned the debt from the creditor. and i need a copy of original contract with my signature! please if would like to respond to : XXXX XXXX

Ad Astra Recovery Services Inc

TX

78249

Servicemember

Consent provided

Web

2019-10-21

Closed with explanation

Yes

2020-06-18

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 to myself for the first time and I have derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

AR

722XX

Consent provided

Web

2020-06-18

Closed with explanation

Yes

2022-10-17

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

I've been in Dispute with Selene Finance since 2021. They've been reporting on my credit for the year as up to date. They even removed themselves off of the credit report in XXXX. I've not heard anything from the company then out the blue they pop back on my credit report stating that I am delinquent and that they were just the servicer for XXXX XXXX XXXX XXXX. Attached you'll find exhibits of Selene Congratulating me on the Pay off of my mortgage along with screenshots of the account removed off my credit. This is very frustrating.

Selene Holdings LLC

SC

294XX

Consent provided

Web

2022-10-17

Closed with explanation

Yes

2018-06-01

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Sued you without properly notifying you of lawsuit

Back in XX/XX/XXXX my daughter needed some XXXXl services. I applied for a XXXX XXXX Care Credit and the credit card was granted on XX/XX/XXXX, so I paid my child XXXXl service with the new XXXX XXXX Care Credit card. The first payment was scheduled on XX/XX/XXXX, unfortunately I did not receive a bill with the payment phone number or the payment address to send a payment, so almost at the end of the month decided to call and ask the best way to process my first payment, the XXXX XXXX Care Credit representative told me that I needed the account number to make the payment, number that in the time of the call I unknown, for their security reason she couldnt gave me the account number, so the best was XXXX XXXX send me the bill to my mailing address and then process the payment. Until XX/XX/XXXX I received my first bill from XXXX XXXX Care Credit, it was the XX/XX/XXXX bill with the payment information, STETEMENT WITH CLOSING DATE OF XX/XX/XXXX, PAYMENT DUE DATE of XX/XX/XXXX, and a MINIMUM PAYMENT DUE OF {$190.00} Dollars. On XX/XX/XXXX I paid {$100.00} dollars to XXXX XXXX Care Credit over the phone, and in XX/XX/XXXX I paid another {$100.00} dollars online, so the minimum payment was covered before the due date. Come XX/XX/XXXX, I tried to process the monthly payment over the phone, XXXX XXXX Care Credit refused to accept my payment because they had the suspicion that I applied for bankruptcy, I informed to the representative that it was not the case and I will continue with my payments in time before the due date, the representative refused to accept the payment. In a second call before the XXXX payment due date I called to the XXXX XXXX Care Credit to check if they cleared the information and if I could process my payment, again the representative refused to accept the payment and this time I was informed the account was sent to the collection department, even when my previous payments were paid in time and I was trying to pay the third month. I tried to get the recovery or collection department phone number to stop the collection work, but the representatives told me I cant contact or make a payment because they were updating the account to the collection department and they will contact to me, I told several times to the representative that I was in the position to continue with regular payments and continue with the original credit card agreement, but they refused to give me a solution to stop the collection process. After several calls I gave up making my XX/XX/XXXX payment because the continually refused to accept it. Months went by and never did we receive another phone call or notice or some documentations or letter in regards this debt. The XXXX XXXX Care Credit sold my account to a collection agency named XXXX XXXXXXXX XXXX XXXX. XXXX XXXX hired a Law Office to collect this debt, on XX/XX/XXXX they sent me a paper work of the account and I discovered the details that make this illegal collection. Originally the payment schedule was : 1rst minimum payment of {$98.00} before XX/XX/XXXX 2nd minimum payment of {$98.00} before XX/XX/XXXX 3rd minimum payment of {$98.00} before XX/XX/XXXX. And continuing every XXXX of the month until the balance be paid in full. But as I said the first bill was lost in the mail or just XXXX XXXX Care Credit never sent out, So the 1rst payment was paid on XX/XX/XXXX over the phone, the second payment was paid on XX/XX/XXXX, On XX/XX/XXXX the first and the second payment were covered before the second payment due date. On the third payment it was not possible to process because on XX/XX/XXXX2016 XXXX XXXX/Care Credit sold the account to the collection agency XXXX XXXX XXXX XXXX, even before the third payment due date -remember the due date is the XXXX of each month-, that should be the real reason why the did not accept my payment because they sold the account to a collection agency before the account was a charge-off, but the account was not a charge off because I paid the first and the second minimum payments before the due date of the second payment. XXXX XXXX/Care Credit excused in I was applied for a bankruptcy but that is a lie, the true is they sold an account to a debt buyer before the account was a charge off. Now XXXX XXXX XXXX XXXX ( debt buyer ) hired a law office -XXXX XXXX XXXX- the law office is attempting to suit me for this debt, a debt the I never refused to pay ( the original creditor refuses to accept the payment ) I want to pay in the original terms stipulated with the original creditor.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

SYNCHRONY FINANCIAL

CA

93312

Consent provided

Web

2018-06-01

Closed with explanation

Yes

2021-07-19

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

IVE SUBMITTED LETTERS TO THE CONSUMER REPORTING AGENCIES REGARDING SOME ACCOUNTS REPORTING ON MY FILE. THEY ARE VIOLATING MY CONSUMER RIGHTS UNDER 15USC1681A ( 4 ) AS I HAVE A RIGHT TO PRIVACY. THEY ARE ALSO VIOLATING 15USC1681A ( 2 ) B AS I HAVE THE RIGHT TO EXCLUDE THESE ACCOUNTS THAT ARE REPORTING ON MY CONSUMER REPORT AND UNDER 15USC1681N THEY ARE NOT COMPLYING WITH ME AS THE CONSUMER.

EQUIFAX, INC.

FL

33414

Consent provided

Web

2021-07-19

Closed with explanation

Yes

2022-07-08

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

XX/XX/XXXX RE : FRAUDULENT CREDIT CHARGES : BARCLAY BANK OF DELWEAR CHOICE PRIVILEGES VISA SIGNATURE ; XXXX XXXX XXXX This notice/letter of compliant regarding Barclay Bank of XXXX De XXXX XXXX To reinvestigate credit charges of {$460.00} including late fees and interest. To date, I have sent certified letters ( dated ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to Barclays Bank hasnt replied to the specific information request regarding unauthorized charges. In this reinvestigation, Im requesting the vendors/bank to provide viable document evidence bearing my signature reflects the date, amount, and services provide. Also requesting the names, email- address of individuals you contacted so that I may follow up on any/all data provide must be verifiable information reported accurately. In the interim this item should be noted on my credit reports ( XXXX, XXXX, XXXX ) as in-dispute until disputed actions can be solved. This issue has been in Non-Compliant with both Federal and State regulations and codes. Fair Credit Reporting Act a. 611 ( a ) [ 15 USC 1681i ] ( a ) b. 612 [ 15USC 1681j ] c. 604 d. 623 ( a-3 ) Fair Debt Collection Practices Act 1. 807 ( 8 ) Thank you, in advance for the prompt attention to very important matter. Look forward to having this discrepancy resolved soon. 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

BARCLAYS BANK DELAWARE

MD

21045

Older American

Consent provided

Web

2022-07-08

Closed with explanation

Yes

2023-08-10

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Experian Information Solutions Inc.

GA

30311

Consent provided

Web

2023-08-10

In progress

Yes

2022-09-03

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I checked my credit report and found out these accounts does not belong to me and I didn't authorize them to my account until I called Transunion and they refer me to this website to file my complain, Name : XXXX XXXX XXXX Date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX, XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXXXXXX XXXX date : XX/XX/2022, Name : XXXX date : XX/XX/2022, Name : XXXX XXXX XX/XX/2022, Name : XXXX XXXX XX/XX/2022 and Name : XXXX date XX/XX/2022, These are the incorrect information I found on my credit report from myannualcreditreport.com

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AL

367XX

Consent provided

Web

2022-09-03

Closed with explanation

Yes

2023-06-22

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

I have been trying for years to resolve this debt with this company. I have sent many letters and calls asking them to provide in FULL detail their claims I owe the amount they are requesting me to pay. This debt is from 2014 and was bought out from another debt collector. I have asked to provide me ALL transactions with my signature of all purchases totaling the amount owed. All they sent were copies of only a few months before default. I am disputing the amount owed to LVNV Funding due to them not proving the TOTAL amount owed and their continued reporting to Credit Bureaus of current monthly status to keeping account open. They have damaged my credit and reputation. I am writing to your office to please help me resolve this clear violation of my consumer rights by LVNV Funding LLC. They are unfairly and inaccurately reporting on my consumer report and it is negatively affecting my character, my mood of living, and my general reputation. I have been damaged as a result of their unfair and inaccurate reporting. I have exercised my specified remedy, notice of debt violation, ( Pursuant RegulationF,12 CFR 1006 ) many times with no response. I sent a notice of debt validation ( Pursuant RegulationF,12 CFR 1006, 15 USC 1692 ) as well as cease and desist all forms of communication with me pursuant 12 CFR 1006 ( c ) ( 1 ). LVNV Funding LLC has violated my rights pursuant 12 CFR 1006.34 ( c ). They have failed to provide all the required Documentation as per my request under the new rule Regulation F and validation of debt. the law is explicitly clear, and LVNV Funding LLC Debt validation period has ended LONG AGO and they FAILED TO PROVIDE ALL REQUIRED validation information AS PER LAW 12 CFR 1006.34 ( c ) Validation information. They are still trying to communicate with me through furnishing unfair and inaccurate information on my consumer report. ALL collection activities on this ALLEGED DEBT that they FAILED TO PROVIDEMUST BE DELETED immediately. Please help me by assisting me in resolving this clear violation of my consumer rights by LVNV Funding LLC reporting the collection and the disputed status on my Consumer report with a DELETION IMMEDIATLY.

Resurgent Capital Services L.P.

PA

186XX

Consent provided

Web

2023-06-22

Closed with explanation

Yes

2020-10-19

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. Account Name : XXXX Account # : XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AL

361XX

Consent provided

Web

2020-10-19

Closed with explanation

Yes

2021-11-17

Checking or savings account

Savings account

Problem with a lender or other company charging your account

Transaction was not authorized

Citibank did an unauthorized webex transfer from my XXXX money market account in the amount XXXX {$50000.00} on XX/XX/2021 XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

IL

604XX

Consent provided

Web

2021-11-17

Closed with explanation

Yes

2021-05-12

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX, and the three major credit bureaus XXXX XXXX XXXX, Experian XXXX with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX XXXX appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

PA

XXXXX

Consent provided

Web

2021-05-12

Closed with explanation

Yes

2022-10-31

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXXXXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

FL

33463

Consent provided

Web

2022-10-31

Closed with explanation

Yes

2023-01-25

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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$78.00} XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Experian Information Solutions Inc.

IL

60619

Consent provided

Web

2023-01-25

Closed with non-monetary relief

Yes

2020-08-20

Vehicle loan or lease

Loan

Incorrect information on your report

Account status incorrect

I purchased a car through Capital One auto loan financing and when I was done paying for the loan they sent a letter to the three credit bureaus that the loan was charged off it was not so I wrote them a letter on XX/XX/2019 and they told me that it was a charge off. So I got XXXX XXXX to help me get it off my credit and they could not get it off my credit so I come to the XXXX for help.

CAPITAL ONE FINANCIAL CORPORATION

OH

44146

Consent provided

Web

2020-08-20

Closed with explanation

Yes

2018-06-14

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

My complaint is about XXXX XXXX XXXX and their debt collection company, " Pinnacle. '' On XX/XX/2018, I contacted XXXX because after checking my home phone, which we almost never use, and discovered some automated messages from XXXX ( no reason for the message was stated ). I tried to log into my XXXX account and discovered I was locked out of it making it impossible for me to figure out what the problem was. I the called and was told I was sent to collections. I was shocked and asked the lady on the phone what the problem was. She wouldn't really explain and just said she would have to transfer me to Pinnacle. Before I would let her transfer me I explained I was shocked because, I had received no written communication from XXXX about a problem with my account and, in fact, I couldn't remember receiving statements for quite a few months. She then said, " Oh, that's weird, it does say 'error ' next to your statement. I am not sure why, maybe it was returned to us. That is weird. '' So it was confirmed that I have not gotten a statement indicating a problem with payments. We also confirmed that the secondary phone number on my account was a phone number we haven't used in over 2 years! So after not sending me written statements or correspondence, XXXX sent a longstanding customer with no history of failing to make payments to collections. I was then transferred to Pinnacle who could find no record of me in their system. The lady I spoke to told me to call XXXX back because she thought it was a mistake. I called XXXX back and was told that I had just been transferred to collections that day. I told the man that I just wanted to know what the problem with my account was and make any necessary payment. He said I would have to talk to Pinnacle and he couldn't help me and he transferred me back to Pinnacle. The man I talked to me at Pinnacle this time told me that actually hadn't completed transferring my file yet and he wouldn't be able to tell me what was going on until the file had finished transferring. I am still shocked that even though my file hadn't actually transferred to collections and I was reaching out to XXXX to resolve whatever issue there was they were refusing to not only tell me what the problem was, but to let me fix it at that point. Later that night, the man from Pinnacle called me back and I was shocked to be told that I owe over {$1400.00}! Part of that amount was {$300.00} in " debt collection fees '' that Pinnacle charges. After being told that I have to pay off this shocking debt before the end of the year or I would be charged another debt collection fee, I agreed to make a payment. I was honestly so shocked by all of this, I wasn't processing information properly. I was also given minimal information about the debt and was told I would have to talk to XXXX, but I had already tried that and was told I had to talk to Pinnacle ( and I am still locked out of my XXXX account ). The man did tell me that he could see that I had been making payments up through XXXX, but my XXXX payment wasn't received so I was transferred to collections. After hanging up, the whole thing didn't sit right. After hanging up, I did minimal research and discovered that it is completely illegal to charge a " debt collection fee ''. I am also shocked that I was sent to collections when it was confirmed that I had been making payments and had only missed one payment ( I am unsure why that payment was missed and I will have to contact my bank, but, again, I was unaware of the issue since I wasn't receiving statements from XXXX ). I am entirely appalled at how shady and unethically XXXX has handled this entire issue. I still do not understand what is wrong with my account, I was forced to make a payment to a shady debt collector, and all of this based on incredibly poor communication about the status of my account by XXXX. It is my understanding that is it illegal for a debt collector to 1 ) refuse to provide an accounting of a debt ( XXXX and Pinnacle have both refused to give me any sort of accounting and XXXX still has me frozen out of my account ) and 2 ) for Pinnacle to force me to pay a " debt collection fee '' that is 33 % of the actual debt owe ( it is my understanding that I owe XXXX {$900.00} as the balance of my yearly maintenance fees, which I am permitted to pay over the course of a year so this amount is not even fully due until the end of the year ).

Company believes it acted appropriately as authorized by contract or law

PINNACLE RECOVERY, INC.

TN

37027

Consent provided

Web

2018-06-14

Closed with explanation

Yes

2023-02-02

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items which do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX BANK ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} JXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00}

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

CA

95348

Consent provided

Web

2023-02-02

Closed with non-monetary relief

Yes

2021-04-13

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

On XX/XX/21, I discovered a {$5000.00} unauthorized cash advance was made on my Wells Fargo credit card ending in XXXX. At approximately XXXX XXXX. on XX/XX/21, there were no other cash advances listed or pending, and after reporting it to Wells Fargo, this card was closed. A new credit card was issued. On XX/XX/21, I went to a Wells Fargo branch office, and discovered that my savings account ending in XXXX had received the {$5000.00} from the credit card, and then unauthorized XXXX transfers of this amount going to an individual unknown to me had been made. This savings account was closed. On XX/XX/21, I went to the same branch, and reported that an additional unauthorized cash advance of {$5000.00} was taken from my closed credit card ending in XXXX. This money was deposited into my new savings account ending in XXXX, and then {$5000.00} was transferred with XXXX to the same unknown individual. On XX/XX/21, the Wells Fargo online fraud unit concluded that I, or someone I authorized, committed the above mentioned felonies. I did not. On XX/XX/21, XXXX XXXX from the Wells Fargo XXXX unit, stated that I had been a victim of online fraud, and that there were various attempts from XXXX, XXXX, and XXXX to access my account. She had gone over my history, and determined I had never taken a cash advance or used the XXXX system. My complaint is that Wells Fargo did not properly monitor my accounts, and allowed subsequent fraudulent transactions to be made after I made my initial complaint to them. I would like this to be resolved because my credit card is still showing that I owe {$10000.00}, which includes the two withdrawals, fees and interest. I have had a checking account with this bank for 26 years, and find this treatment outrageous.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

FL

342XX

Older American

Consent provided

Web

2021-04-13

Closed with monetary relief

Yes

2019-10-16

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

Navient Account Student Loan 1 High Credit {$15000.00} paid in full Student Loan 2 High Credit {$16000.00} currently on time Total account XXXX Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. They report 95 % This is not correct. The limit was XXXX. The debt to income ratio should be reported at 45 %.

Navient Solutions, LLC.

NJ

08610

Consent provided

Web

2019-10-16

Closed with explanation

Yes

2018-10-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I did not authorize this credit check.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Avid Acceptance, LLC

UT

841XX

Consent provided

Web

2018-10-24

Closed with explanation

Yes

2023-04-03

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I filed a letter with XXXX in XXXX a year ago letting them know they were in violation of15 US CODE 1681b ( a ) ( 1 ) ( 2 ) as i never gave them permission to report a bankruptcy on the credit report, i mailed them a letter from the bankruptcy court that said the court does not publish or sell that information. so the only way XXXX & lexis nexis could have obtained my social security to verify it was me is if a third party obtained my information and social security number illegally which is identity theft and fraud. 2nd XXXX is in violation of 15 US CODE 1681e ( b ) for accuracy as XXXX XXXX XXXX and XXXX are reporting completely different information about the bankruptcy and debts and collections. all of the collections were not authorized by me i never gave them permission to report these accounts. Lexis Nexis is also reporting incorrect information.

LEXISNEXIS

MT

XXXXX

Consent provided

Web

2023-04-03

Closed with explanation

Yes

2020-07-23

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

report wrong address XXXX XXXX XXXX XXXX tx XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

759XX

Consent provided

Web

2020-07-23

Closed with explanation

Yes

2018-09-05

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

I attempted to cancel my XXXX XXXX membership today XX/XX/XXXX. I went to the gym and they told me I had to call XXXX. I did so and hey would not accept my cancelation and onXX/XX/XXXX they intend to charge me {$50.00} for a yearly membership. I am a senior citizen on a fixed income and can not afford to pay this charge ... ..I then called my XXXX Credit Card and they told me they can not refuse the request for payment. I have to let them pay the {$50.00} and then dispute it ... .Something is very wrong with this system.

Jim Bottin Enterprises, Inc

CA

92544

Older American, Servicemember

Consent provided

Web

2018-09-05

Closed with explanation

Yes

2022-06-11

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the changes to my credit profile. I ask that the items be deleted to correct my credit profile. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the FTC Affidavit. Please delete as soon as possible.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

DE

19711

Consent provided

Web

2022-06-11

Closed with non-monetary relief

Yes

2023-08-30

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

Dozens of debits totalling about {$54000.00} took place over the course of several months. I failed to notice as I was able to pay my bills

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

CO

80241

Older American

Consent provided

Web

2023-08-30

Closed with explanation

Yes

2018-09-19

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

Fillied a disputes on XX/XX/XXXX About two transactions from XX/XX/XXXX for {$2500.00} and XX/XX/XXXX for {$2900.00} for XXXX. This vendor has failed and canceied all the services purchased. Capital One has failed to abide by Consumer Protection Laws.

CAPITAL ONE FINANCIAL CORPORATION

CT

068XX

Consent provided

Web

2018-09-19

Closed with non-monetary relief

Yes

2023-06-21

Debt collection

I do not know

False statements or representation

Attempted to collect wrong amount

To : EQUIFAX Information Services LLC Reference to the above-mentioned subject and the below Disputes confirmation numbers, we are officially and legally asking EQUIFAX to release Any and ALL documents, pictures, videos etc that you received as a prove that you accordingly decided to complete and close the following NINE ( 9 ) False Collection amount dispute requests by responding to all of them by the following messages : Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collection : INNOVATIVE RECOVERY INC EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Release all documents that you get it under investigation for EACH of the following Dispute requests confirmation numbers : 1. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 2. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 3. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 4. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 5. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 6. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 7. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 8. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 9. Dispute Confirmation number : XXXX Closed by XX/XX/2023. All document should to be send to my OFFICIAL Address listed here below : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Thanks in advance for your URGENT and Prompt reply! Sincerely, XXXX XXXX

EQUIFAX, INC.

TX

76053

Consent provided

Web

2023-07-25

Closed with non-monetary relief

Yes

2022-01-23

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75082

Consent provided

Web

2022-01-23

Closed with non-monetary relief

Yes

2023-05-12

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX XX/XX/2021 This account was the result of identity theft I did not authorize this payment.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

MN

559XX

Consent provided

Web

2023-05-12

Closed with explanation

Yes

2019-09-16

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

Can't use card to make purchases

I applied and received a XXXX XXXX on XX/XX/XXXX. There were no problems or difficulties initially. I requested and received a physical card. I made my first purchase with it on XX/XX/XXXX for XXXX dollars. This worked without issue. I attempted to make a large purchase on XX/XX/XXXX for XXXX. This was declined. I called in figuring they needed verification. The first woman I spoke to said my account was in review and they could not verify my information. I escalated to her " Supervisor '' whom repeatedly misgendered me on the phone. When corrected, the " supervisor '' stated and I quote, " Ok Ma'am whatever you want to call yourself. '' That was call one. I then contacted XXXX on XX/XX/XXXX. I was informed by apple support that they would get me in contact with Goldman Sachs to resolve the issue. The agent at Goldman Sachs stated that they can not resolve an issue via inbound call so they would arrange a call back. I never received a callback. Subsequent calls to find out a status have been met with a " Don't Call us We will call you '' that never receives a call. On XX/XX/XXXX I attempted to use the inline support through the XXXX App on the XXXX and received the same " Don't call us we will call you. '' response. I will attach the chat log to this image. Thus far the treatment I have received from both XXXX and Goldman Sachs has been abysmal and in Goldman 's case even included some discrimination.

GOLDMAN SACHS BANK USA

CA

94536

Consent provided

Web

2019-09-16

Closed with explanation

Yes

2020-04-09

Debt collection

Other debt

Took or threatened to take negative or legal action

Collected or attempted to collect exempt funds

On XX/XX/2020 ; I contacted Riverwalk Credit Solution to advise them that due to the pandemic they have cut my hours and J can not afford there services. They told me I had to cancel there services. I went on there website and printed and signed the cancellation form they had on line and sent it to them to cancel. They called me back and told me they will not honor the cancellation and that they are going to hold me to the contract. They then debited my account for {$190.00}. Prior to this they did not have all of my information and still debited my account. There aggressive strong arm tactics are unfair due to this pandemic that caused myself and so many Americans to be unnecessary hardship.

Riverwalk Financial CORPORATION

NC

27703

Consent provided

Web

2020-04-09

Untimely response

No

2020-07-01

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

I have a XXXX XXXX charge card through XXXX XXXX. I have a XXXX balance and have always paid my entire full balance EARLY each and every month -- well, basically as soon as charges appear on my account. Even though I have a XXXX balance and there are NO BACK-ORDERS they keep reporting that my available credit is only {$350.00} when it should be {$900.00}. Attachment 1 - Shows that I have consistently paid my balance off as soon as charges show up on my online account. Attachment 2 - Shows the erroneous available credit compared to my credit limit. Attachment 3 - Shows my .pdf statement has it correct, but the bank insists that I only have a {$350.00} available credit instead of the TRUTH -- {$900.00}.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

499XX

Older American

Consent provided

Web

2020-07-01

Closed with explanation

Yes

2017-09-25

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

I submitted my original complaint about a month ago ... .still waiting on a resolution from XXXX ... .they have been very slow about getting back to me and giving me the information I have requested now ... ..2 times in certified mail ... ... .8 times verbally ... ..now 2 times with the CFPB. They are trying to collect about {$7400.00} labeled as ... .corporate advance, for fees that are not mine. They told me it was for either construction without permits ... ..which is untrue ... .. I have and submitted twice ... ... .or for foreclosure ... ..of which I was never in foreclosure on my property ... XXXX XXXX XXXX in XXXX XXXX They are dragging me along with no solid answers as to what the actual charges are for.

Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)

IL

60015

Consent provided

Web

2017-09-25

Closed with explanation

Yes

2021-03-03

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

I've contacted XXXX and was advised this account was opened in my name in XXXX. Not only that this account was fraud but the credit bureaus is reporting wrong opened date. I will sue the credit bureaus if they don't remove this account

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

FL

33150

Consent provided

Web

2021-03-03

Closed with explanation

Yes

2018-09-18

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX XXXX XXXX is wrongfully reporting negative information on my credit report. Last month I went to apply for a loan with my bank but was declined the loan. I was advised that due to being late on my car payment that the loan couldn't be processed. I decided to pull a copy of my credit report to see what was reporting from XXXX. Not only was it upsetting to see that XXXX was reporting incorrect information, I also noticed that my credit score lowered due to the reporting by 40 points. I contacted XXXX to inform of the reported late payments and was advised that no payments were reported late. I requested a payment history review and was advised that two of my payments dated XXXX and XXXX of 2018 were paid towards late fee 's and not the payment due. XXXX has reversed the payments but still reported that I was 30 days late each time. I am attaching the loan payment history for the moths in question along with a copy of the current credit reporting from XXXX.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

CA

92647

Consent provided

Web

2018-09-18

Closed with explanation

Yes

2022-01-26

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

This is what happened last XXXX, XXXX, I sent the following letter to Attorney General of Texas, and copies to XXXX XXXX XXXX and Greensky Loan Program. On XX/XX/XXXX, the office of the Attorney General referred this case to Texas Department of Licensing and Regulation, Air Conditioning and Refrigeration. The investigator assigned to this case was : XXXX XXXX, dated XX/XX/XXXX Re complaint XXXX XXXX. GreenSky case XXXX. I briefly talked to him twice, sent him various emails ( I have them on file ), and I have not heard back from him at all. Furthermore, XXXX XXXX XXXX did not even bother to contact me! . The following letter is a detailed description of my experience with XXXX XXXX XXXX and GreenSky Loan Program. : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX ( Home ). XXXX : XXXX ( Mobile ) Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, On XX/XX/XXXX, our air conditioning ( A/C ) in the ground floor of our home was not cooling. Based on the reviews and being accredited by XXXX XXXX XXXX XXXX XXXX ), I hired XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Telephone : XXXX to fix the problem. I learned about that company through a so-called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX : XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX sent for the first time their A/C technician, XXXX XXXX XXXX During that initial visit, MrXXXX XXXX offered a payment plan via GreenSky Loan Program for a period of 18 months to which I signed in agreement. Then, XXXX XXXX inspected the A/C unit. After he did, he documented in his notes : XXXX with ice around it. Check systems pressures, and low side pressures are low and superheat is very high. XXXX has a restriction causing systems pressures not to flow properly through refrigerant lines. Under the category Immediate Repair, he wrote : 1 ) Expansion Valve ( XXXX ). One year parts and labor warranty. Cost {$1300.00} 2 ) Expansion Valve ( XXXX ). Cost {$65.00}. Total : {$1300.00} On XX/XX/XXXX, XXXX XXXX came back and he wrote the following : A/C not cooling/working. During inspection discovered condenser under charged. This caused system not to cool properly. Suspect a leak in system. Today we add needed refrigerant to system. Come back out to locate leak in system with electronic leak detector. Under the category Immediate Repair, he wrote : XXXX minimum refrigerant charge, up to 3 pounds. *No warranty* Cost {$370.00} Mr. XXXX came back on several occasions in the process of trying to repair the A/C unit. Below are the dates, and next to them, the charges associated with the work he presumably did. XXXX {$96.00} ( Charged to XXXX XXXX card, under my daughters and my name, XXXX XXXX and XXXX XXXX XXXX, respectively ) XXXX {$1700.00} ( Charged to GreenSky Loan Program ) XX/XX/XXXX {$370.00} ( This amount was charged to GreenSky Loan but in GreenSkys transaction report, it appears to have been cancelled. However, it was probably added to one or both of the service calls on XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX {$570.00} ( Charged to GreenSky Loan Program ) XX/XX/XXXX {$940.00} ( Charged to GreenSky Loan Program ) From the first to the last time of service, XXXX did not provide a definite diagnosis of the problem or an estimate of the repair costs. They only gave me handwritten notes with charges above mentioned. Notwithstanding recurrent visits, -- over a period of approximately more than one month, from the XX/XX/XXXX to XX/XX/XXXX, -- presumed identification of problems and application of remedies to those problems the XXXX technician claimed to have executed, the A/C remained broken. There appeared to have been a leak and instead of repairing it, the XXXX technician kept adding refrigerant which, in turn, kept leaking. And as he did, new charges accrued and were applied. I became aware of this situation only after I accessed the transaction history of the GreenSky Loan Program. All the while, the A/C problem remained unsolved. Later, and based on the diagnosis of another company, I learned that coil was the problem ; and XXXX did not identify it in spite of the leak. Due to XXXX inaccurate diagnosis, ineffective and expensive service, and no response to several calls I made to them to complain about the fact that the A/C remained nonfunctional, I sought a second opinion. Thus, in XX/XX/XXXX, I called XXXX XXXX XXXX and XXXX. This company was highly recommended by a friend. The owner, Mr. XXXX XXXX, ( 30 years experience in A/C field ) immediately identified the problem and solved it on XX/XX/XXXX by replacing a 3 ton coil. The total charge was {$1900.00}. Furthermore, on XX/XX/XXXX, I called XXXX to complain about their poor service and to demand a full refund of {$3200.00}, a {$69.00} finance charge, and an initial charge of {$96.00} posted on my XXXX XXXX card on XX/XX/XXXX ( already in dispute ). XXXX refused to refund the above charges. Instead, they offered and insisted to credit that amount toward the purchase of a new A/C system. I declined. I did not need a new A/C unit! They also offered to corroborate XXXX diagnosis and on XX/XX/XXXX, they sent XXXX XXXX, Senior SVAC technician. XXXX XXXX came to inspect the A/C and agreed with XXXX diagnosis. Since that visit, I no longer heard back from them. In the meantime, I kept calling them demanding a full refund. XXXX staff stated that the company would not refund the fees. On another note, I became aware that every time XXXX sent the technician to service the A/C unit, they added fees to the GreenSky Loan. Moreover, prior to seeking a second opinion, XXXX had come five times and the A/C problem remained. In contrast, during XXXX first visit, they identified and fixed the problem and charged a one-time fee. It is because of this difference in service, that I no longer agreed to continue working with XXXX. When XXXX refused to reimburse the payments, I called GreenSky Loan to explain to them my experience with XXXX and told them that I was not willing to pay for their services. GreenSkys response was that they understood my position and would talk to XXXX. However, GreenSky said that XXXX told them that they could have finished the repair job after XXXX diagnosisbut that I refused to continue working with them. Therefore, GreenSky concluded that it was up to XXXX to refund the fees. I assume that GreenSky has absorbed the debt and that XXXX has been fully paid for their deficient services. I am not willing to damage my excellent credit due to XXXX incompetence, and unethical and unprofessional business practices. Moreover, as an elderly widowed female who was had no knowledge of A/C malfunctioning issues, I believe I was targeted by XXXX predatory business practices. Finally, I am submitting all the evidence I was given by XXXX to demand a full refund of {$3200.00}. In the event this matter is not solved to my satisfaction, I am also filing a complaint with the XXXX XXXX XXXX ( XXXX ) in XXXX, TX. FYI : On another note, all calls made to XXXX and GreenSky were recorded by their system. No estimate was provided throughout the time that they serviced the A/C unit. And XXXX technician second visit, he indicated that because the A/C remained nonfunctional, that I could need a new A/C unit. Later, when I asked for a full refund based on my dissatisfaction with their inept services and deceptive practices, XXXX insisted that fees already charged could be used toward the purchase of a new A/C unit. I suspect that XXXX intention from the beginning was to sell a new A/C unit. After my experience with them, I researched that company more thoroughly and found that there were more than 60 complaints against them. Thank you for attention to this matter. Sincerely, XXXX XXXX XXXX XXXX : File XXXX XXXX XXXX GreenSky XXXX XXXX

GreenSky, LLC

TX

77079

Older American

Consent provided

Web

2022-02-14

Closed with explanation

Yes

2022-12-12

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I have attached an XXXX report with an account and inquiries I did not authorize

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33324

Consent provided

Web

2022-12-12

Closed with non-monetary relief

Yes

2023-02-16

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$500.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX : {$660.00} XXXX XXXXXXXX XXXX : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75243

Consent provided

Web

2023-02-16

Closed with non-monetary relief

Yes

2018-01-03

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

Ive been working for a not-for-profit for over 5 years. Ive been paying my student loans on time, every time. At the time my loans were owned by Nelnet. When my monthly payment was being calculated for XX/XX/XXXX, they were done so incorrectly. I was not aware that this was the case until a later date. When I found out, I made a payment of over {$3000.00} to account for my inaccurate payments. In XX/XX/XXXX, I officially signed up for the Public Service Loan Forgiveness Program and my loans were transferred to XXXX XXXX. I began making my monthly payments to them. During this period, my payments were assessed for which payments counted as qualifying payments to be forgiven. What I have discovered recently, as confirmed with XXXX XXXX, is that not all of my payments were counted as qualifying. This is due to the miscalculation by Nelnet, in addition, they put me on a Forbearance and to my dismay, they did not inform me. As a result, 3 years worth of payments were not counted and my forgiveness date has been pushed out from XX/XX/XXXX to XX/XX/XXXX.

Nelnet, Inc.

CA

95608

Consent provided

Web

2018-01-03

Closed with explanation

Yes

2023-09-08

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXXXXXX ACCT # XXXX XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX ACCT # XXXX FRAUD/REMOVE XXXX XX/XX/2023 TransUnion FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

91606

Consent provided

Web

2023-09-08

Closed with non-monetary relief

Yes

2023-07-25

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

EQUIFAX, INC.

PA

171XX

Consent provided

Web

2023-07-25

Closed with non-monetary relief

Yes

2023-05-11

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

My aunt stole my social security number and there was a security lock put on my credit report and now I have submitted all of my identity verification documents and I called back after the alotted time to see when the security lock would be lifted and now they want me to send it in via mail. I do not feel comfortable with sending identity verification documents in the mail and I have proof that I sent it to Equifax.

EQUIFAX, INC.

NE

68701

Consent provided

Web

2023-05-11

Closed with explanation

Yes

2022-02-11

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

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

CAPITAL ONE FINANCIAL CORPORATION

NY

14211

Consent provided

Web

2022-02-11

Closed with explanation

Yes

2023-01-08

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

CNG FINANCIAL CORPORATION

SC

29223

Servicemember

Consent provided

Web

2023-01-08

Closed with explanation

Yes

2020-02-07

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$3200.00}, {$2000.00}, {$300.00}, {$8200.00}, {$1200.00}, {$2000.00}, {$1800.00}, {$1800.00}, {$4000.00}, {$4000.00}, {$0.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 6. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 8. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 9. XXXX-XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 10. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 11. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. -- AUTO ACCOUNT 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

90020

Consent provided

Web

2020-02-07

Closed with explanation

Yes

2017-09-01

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Back in XX/XX/XXXX i join XXXX and i was with them foe two years when my contract was up I never renew the services my service was cancel the power box in the house was no longer hook up to they services.in XX/XX/XXXX I received a collection notice for XXXX XXXX for a bill of XXXX for XXXX. I contact XXXX and they told me I cancel my contract wrong I had to full out o form on they website to cancel but I send you a letter and call the company and no one every told me about the cancellation policy on they website. this is how they get people so they run up a bill for services I never receive a bill for and now they want to collect on it.this is illegal and they no this their no contract renewal.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NY

11553

Servicemember

Consent provided

Web

2017-09-01

Closed with explanation

Yes

2023-05-19

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, 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.

TX

79936

Consent provided

Web

2023-05-19

Closed with non-monetary relief

Yes

2017-10-05

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

Credit card company won't increase or decrease your credit limit

Citicard allowed my credit card to be used over the credit limit they set. Then instead of allowing me to pay my original minimum payment they are requesting I pay the minimum in addition to the over the credit limit amount.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

VA

22193

Consent provided

Web

2017-10-05

Closed with monetary relief

Yes

2020-10-07

Checking or savings account

Checking account

Opening an account

Didn't receive terms that were advertised

Hello, I have opens the US Bank checking account with {$300.00} promotion. I put my employees XXXX XXXX direct deposit for total of {$4100.00} as of today XXXX into the account. However, when I contacted the US Bank, they stated I have not met the direct deposit requirement of {$2000.00}. I believe I fulfilled all requirements for the bonus but still have not received any promotion bonus after contacting the US Bank. Thank you

Company has responded to the consumer and the CFPB and chooses not to provide a public response

U.S. BANCORP

NY

11367

Consent provided

Web

2020-10-07

Closed with monetary relief

Yes