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1.05M
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|---|---|---|---|---|
Credit reporting
|
I received a alert on my credit monitoring ... XXXX a collection item was reported to my Experian credit file as a negative item from XXXX XXXX ( {$170.00} ). I contacted XXXX XXXX immediately and they faxed on XXXX/XXXX/2016 me a letter that this item should not be on my credit and they have requested all credit bureaus to delete/remove this negative item from my files.
My credit is very good as I have no negative items and have never been late on any payments. This negative item should not be on my report ... ... and has cause my Experian score to drop XXXX points. It needes to be removed I am a veteran and am in the process of getting a VA Loan to purchase a home and I need to immediately have this negative item removed from my credit report. My efforts contacting Experian 's customer service to provide me with a fax number or email address to send them this letter from XXXX XXXX and remove this negative items has been frustrating. They refuse to give me information and say it will take 30 - 45 days to remove this negative item from my credit file.
That is not acceptable ... ..it is critical that this item be removed immediately as it is jeopardizing my ability to get a VA Loan or are getting the lowest interest rate possible.
I would greatly appreciate if you can contact Experian immediately and let them know that there is an urgency for them to remove this negative item from my credit file with the documentation of the letter from XXXX XXXX that is attached.
| 4
| 4
| 1,000,583
|
Money transfer, virtual currency, or money service
|
XXXX account was linked to my US Bank account and was overdrawn .. also my credit card was used while for an unauthorized transaction. Identity was stolen. Photo ID, birth certificate, and social security card from my break in at my house. And documents where stolen from my vehicle that was towed after being arrested. Also XXXX account was linked to bank account where unauthorized transactions where made. Numerous XXXX phones .where stolen and account was hacked with invalid software. XXXX phone XXXX account had been hacked and stolen. XXXX account been hacked
| 12
| 12
| 450,763
|
Credit reporting, credit repair services, or other personal consumer reports
|
all 3 credit agencies continue reporting various fraud accounts not mines and incorrect public records/ " PACER '' data of bankruptcy chXXXX, outdated reporting since 2013 ( over 7yrs old ) and XXXX XXXX DURING TIME FRAUD ACCOUNTS OPENING
| 3
| 3
| 397,828
|
Money transfer, virtual currency, or money service
|
XXXX Attempted to initiate a wire transfer from PNC Bank to XXXX XXXX XXXX XXXX.
The PNC wire transfer department went through a complicated process to verify my identity.
XXXX PNC called to say that wire transfer was delayed because of a problem with the information on the wire transfer form. I resubmitted the wire transfer form through a secure email.
Later that day, they said we have to submit the wire transfer form through online banking. We tried to set up online banking, but PNC said we need a PIN number. We applied for the PIN number.
XXXX I called an found out that PNC cancelled the wire transfer because we did not send the secure message through online banking. I never received the PIN in the mail, and we found out that PNC sent the PIN to the wrong address. PNC refused to help us and to send the PIN to the correct address. We are out of State, and the branch can not help us over the phone.
I think PNC Bank should be more sensitive in this time of Covid-19, in particular. No one will help us. Please submit our complaint, and I will also submit a complaint to the Michigan Attorney General 's office. Thank you.
XXXX XXXX
| 12
| 12
| 243,877
|
Mortgage
|
I entered a payment plan in or around XX/XX/2020 at which time Wells Fargo advised me that entering the plan would be like bringing the loan current and they would stop reporting the loan as late on my credit report. While in the repayment plan covid happened and I then entered a forebearance. It's now time to exit the forebearance and Wells Fargo is taking away the best option for me which would be to have the missed payments placed on the back of the loan because they're saying I wasn't current at the time I entered the forebearance. I've tried explaining 2 things to Wells Fargo : 1. I was told the loan would be treated as current when I entered the forebearance and now to benefit them that doesn't apply anymore 2. It was never explained to me when I entered the forebearance that it would be more beneficial to me to complete the repayment plan before entering the forebearance. The servicer is acting in bad faith and using a questionable practice because they seem to have omitted information that would have allowed me to be in a better position to keep the home out of foreclosure.
Not a single person took 5 seconds to make me aware that if possible I should complete the 2 other payments that were left on my payment plan before entering the forebearance.
| 10
| 10
| 970,256
|
Credit reporting, credit repair services, or other personal consumer reports
|
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
| 3
| 3
| 353,343
|
Credit reporting
|
I only have one correct address. I also only have one name. There are other names and addresses on my credit report as well as collections and accounts that do not belong to me. I would like these removed/deleted as they are inaccurately reporting to the Credit Bureaus and negatively affecting me. I would also like to request that an updated credit report be sent to me from all XXXX Credit Bureaus.
| 4
| 4
| 979,262
|
Debt collection
|
Company called job and stated her name at front desk. She was transferred to me.. She then asked her to not call me at my work. She stated she will continue to call.
| 5
| 5
| 330,777
|
Debt collection
|
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
| 5
| 5
| 363,715
|
Debt collection
|
The company that 's handling this specific debt, AR Resources, says that I owe money on XXXX different accounts with them. Upon the evaluation of my XXXX credit report, I found out that they 've still continued to list this debt TWICE, and have never corrected the issue. XXXX account was listed since XXXX XXXX, and the other since XXXX XXXX. To date, they 've never come forward to explain themselves and their error in judgement. This may have caused my credit to be rated more poorly, as well as other related issues.
| 5
| 5
| 859,378
|
Credit reporting, credit repair services, or other personal consumer reports
|
This account is not mine but is reflecting on my credit reports.
XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/2018 Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
| 3
| 3
| 867,521
|
Credit reporting, credit repair services, or other personal consumer reports
|
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020
| 3
| 3
| 355,393
|
Credit reporting, credit repair services, or other personal consumer reports
|
Opp loans has failed to provide verification of the charge off listed under my name. The account is inaccurate and even after several disputes they have not verified ownership or accuracy of the charge off.
| 3
| 3
| 192,707
|
Student loan
|
I filed a complaint last year regarding XXXX XXXX, they told me because my loan was not in default they could not do anything further. I have no interest only payments left and have been paying my loan every month however the payments are very high. My loan is now being serviced by Navient and I can not get through to someone, I would like to settle or negotiate my loan.
| 0
| 0
| 769,890
|
Credit reporting, credit repair services, or other personal consumer reports
|
I have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and unable to sit up let alone write. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.
| 3
| 3
| 378,705
|
Credit reporting, credit repair services, or other personal consumer reports
|
I HAVE 2 PREVIOUS ADDRESSES THAT ARE NOT MINE AND 2 EMPLOYERS NAMES THAT ARE NOT MINE
| 3
| 3
| 782,771
|
Mortgage
|
This company continuously miscalculates escrow and did n't pay the tax bills I sent to them until I reached out to them 3-5 times. To this day, I have sent XXXX tax bills and only XXXX was paid with my initial request over a month ago. The XXXX tax bills exceeds the escrow amount so I asked that it be increased or recalculated. Instead, they decreased it. Their customer service is usually awful, and people usually have no clue what I 'm even talking about.
| 10
| 10
| 428,887
|
Credit reporting, credit repair services, or other personal consumer reports
|
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
| 3
| 3
| 823,300
|
Credit reporting, credit repair services, or other personal consumer reports
|
Equifax is blocking any credit reporting under a new legal name. They reject all credit checks and credit reports for XXXX XXXX and insist on deadnaming me. I sent them a copy of my current drivers licence and name change decree. They continue to insist on illegally dead naming. They refuse to confirm identity with all creditors as well. Attempts to contact them were all blown off and ignored by Equifax
| 3
| 3
| 504,981
|
Credit card or prepaid card
|
This is not a duplicate. My complaint is that Capital One is lying in their letter of XX/XX/2020. They are claiming that the issue has been resolved and it has NOT.
Please CFPB do not close this case until it has REALLY been resolved, not just when Capital One says it has been resolved.
Capital One obviously did not read my response - despite what they say, I am still NOT able to log into my account. " Capital One 's letter dated XX/XX/20 states that " Our records indicate that you were able to reset your password on XX/XX/2020, and you successfully accessed your account on XX/XX/2020. '' Yet Capital One 's letter dated XX/XX/20 states that " It appears that the account ending in XXXX is not enrolled for you to have online access '' and " We have confirmed that the system issue that prevented you from logging in on XX/XX/2020, has been corrected. " This is two conflicting statements in a single letter - first they state that the problem is that my card is not enrolled in online access, then they state that the problem is a system issue. And the 'system issue ' has NOT been solved, as I am still unable to log in and get the same screen when I try. ''
| 1
| 1
| 202,877
|
Credit reporting, credit repair services, or other personal consumer reports
|
Their are " late payments '' that are on my account that are way too old to still be on their getting reported for certain accounts and i dont know why they are still on there. After contacting the creidtors they said they dont know why they still show either and its up to the credit bureau not them. Please delete them off my file XXXX. XXXX XXXX ( XXXX ) Late payment that shows from XXXX of XX/XX/XXXX. XXXX XXXX- ( XXXX ) XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
| 3
| 3
| 149,638
|
Credit reporting, credit repair services, or other personal consumer reports
|
I went to Experian 's web site to find out why it was reporting a FICO score much lower than XXXX and XXXX. I own my own home outright ( no mortgage ) and have paid cash for every car I've owned since the mid XXXX 's. Due to health issues, etc., I had to file for Bankruptcy in XXXX and all my debts were discharged. However, Experian still shows 2 accounts with XXXX XXXX XXXX, one as closed and one as status " unknown '' ( how can that be? ). Since I have hardly any revolving credit, I get why my score is lower.
My complaint is that Experian offers a " credit score booster '' to paid customers, based on their bank account 's record of whether or not their utility and other bills were paid. However, if you have not banked with one of Experian 's listed 40 banks they say they have no access to your bank accounts and that you can't use this service. They don't offer to add your bank 's routing number. I think this is DISCRIMINATORY.
| 3
| 3
| 318,569
|
Debt collection
|
I moved out of XXXX apartments on XXXX/XXXX/2015 on the day I moved I was told I owed XXXX dollars, so I paid it turned in my keys apartment was clean an empty gave them XXXX. Moved to XXXX XXXX homes, the lady who works in XXXX knows the lady at XXXX because she use to work at XXXX, all these people know each other. When my lease was about to end at XXXX I went to look for a new apartment. When I found XXXX I was told I had bee denied due to an adverse action from XXXX town homes, manageded by XXXX property management. I was baffled, so I immediately contacted them and they told me they could not help me because my account had been assignged to a collection agency. When I contacted the collection agency NCC XXXX, The first thing they do is make sure they have current information on you. The guy at the collection agency gave me an address for me in XXXX CA. This is where the initial deman letter went. First off I do n't feel I owe these people anything, however had I been notified about the situation in a timely manner I would have paid it to avoid it being on my credit because essentially this is an eviction. No apart ; ment will rent to you with this on your record. I was never notified about any charges and believe this apartment situaions like this you are supposed to see a judge, tnis is a judgement issue, I still would have paid it just to avoid the collection agency had I been notified about the degt. to this day I have never seen any type of paper work for this so called debt. I moved out of XXXX on XXXX and according the my credit report this was on my credit by XXXX barely 45 days. This was a personal vendetta by the XXXX apartment home because I put up a website about the shabby condition their, that is all this is about,
| 5
| 5
| 566,321
|
Consumer Loan
|
we send a payoff for my car but the XXXX company send it to another adress so i speak with the company about it and tell me i need to send a nwe one and cancel the other so i did but this payment was late and they put me late payment in the accunt, i speak before and they tell me that they understand and that they are not going to do it today the account is closed but i have this negative in my credit report
| 13
| 13
| 931,443
|
Credit reporting, credit repair services, or other personal consumer reports
|
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.
| 3
| 3
| 903,059
|
Debt collection
|
Debt collectors working on behalf of Commenity Bank servicing my Victoria Secret Store Credit card would call daily to collect on the balance owed. I did not receive a statement prior to any of the calls and when called they failed to 1. Properly verify my identity. 2. Failed to abide by FDCPA guidelines advising they were calling to collect a debt and any information would be used for that purpose. 3. Always called from varying phone numbers or " unavailable '' numbers which I believe is also against TCPA guidance. 4. Never advised if the call was being recorded or not.
Calls were received on the following dates : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX There are additional dates but the calls would show as " SPAM '' and did not show up on my phone log from my cell provider.
| 5
| 5
| 397,334
|
Debt collection
|
I discovered this tradeline on my credit report so I requested validation in accordance of FDCPA and Texas Debt Collection Act onXX/XX/XXXX ( attached ). OnXX/XX/XXXX Caine & Weiner responded ( attached ) but did not provide me with any proof of validation or any proof they are even allowed to collect debt legally in Texas. I have also disputed directly to credit bureaus under FCRA.
| 5
| 5
| 698,584
|
Credit reporting, credit repair services, or other personal consumer reports
|
In accordance with the fair credit reporting and XXXX account has violated my rights.
1 XXXX Bankruptcy : XXXX 2 : Bankruptcy : XXXX 3 : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX 5 : XXXX XXXX XXXX : XXXX 6 : XXXX XXXX XXXXXXXX XXXX XXXX 7 : XXXX XXXX XXXX : XXXX 8 XXXX XXXX XXXX XXXX XXXX XXXX 9 : XXXX XXXX XXXX : XXXX 10 : XXXX XXXX XXXX : XXXX 11 : XXXX XXXX XXXX XXXXI : XXXX 12 : XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A.States I have the right to privacy 15 U.S.C. 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions
| 3
| 3
| 369,626
|
Credit reporting, credit repair services, or other personal consumer reports
|
In accordance with Fair Credit Report. This List of accounts below has violated my federally protected right to privacy under 15 USC 1681.
XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX 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 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 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.
| 3
| 3
| 87,252
|
Debt collection
|
item was an idenity theft and inacacurate
| 5
| 5
| 808,294
|
Credit reporting, credit repair services, or other personal consumer reports
|
These accountst should not be on my credit report. Equifax has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with XXXX XXXX.
There is an account with XXXX XXXX in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be removed.
| 3
| 3
| 282,186
|
Checking or savings account
|
Someone opened an account in my name at Key Bank.. I received a debit card for a checking account opened in my name at Key Bank. I do not or never have had an account with Key Bank. According to Key Bank, the account was opened on XX/XX/2022. I reported this to the fraud department at Key Bank and they have put a hold on the account and have started the process to close the account. This account was opened on line.
| 7
| 7
| 210,014
|
Credit reporting, credit repair services, or other personal consumer reports
|
There are XXXX accounts on my credit report that are reporting late payments when I was in fact never late. XXXX XXXX XXXX XXXX - XXXX ( 30 days past due XXXX , XXXX , XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( 30 days past due XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( 30 days past due as of XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX to XXXX XXXX ) I was never late on these accounts and should not have any late paymetns.
| 3
| 3
| 877,511
|
Credit reporting, credit repair services, or other personal consumer reports
|
XXXX XXXX XXXX spoke with XXXX MSL # XXXX on XX/XX/2018 and he stated Navy Federal Credit Union would remove the credit hard inquiry from my XXXX, XXXX, and XXXX Credit Report since it is not reporting in Navy Federal Credit Union System.
XXXX XXXX XXXX did not authorize Navy Federal Credit Union to make any Hard inquiry and view his credit report. It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumers credit report. Demonstrate that the hard inquiry for Navy Federal Credit Union dated XX/XX/2018 met this requirement, pursuant to the Act.
Please delete Navy Federal Credit Union hard inquiry from my XXXX, XXXX, and XXXX credit report immediately that Navy Federal Credit Union maintain under XXXX XXXX social security number without my permission. XXXX XXXX would like confirmation letter that Navy Federal Credit Union has removed and deleted this hard inquiry with XXXX, XXXX, and XXXX credit agency.
| 3
| 3
| 674,375
|
Credit reporting, credit repair services, or other personal consumer reports
|
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
| 3
| 3
| 713,674
|
Credit reporting, credit repair services, or other personal consumer reports
|
The inquires below are not recognized on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
| 3
| 3
| 322,611
|
Debt collection
|
XXXX HIED BLITT & GAINES TO HARASS US WHILE COLLECTING A DEBT BELONING TO XXXX AND XXXX. KEPT SKIP TRACING, CALLING WORK, CELL AND HOME NUMBERS.XXXX IS IS LABELING THIS AS MY HUSBAND DEBT FROM CHAPTER XXXX BANKRUPTCY MORE THAN 15 YEARS AGO.THEY XXXX ARE VIOLATORS OF FDCPA, S.O.L. TCPA ETC..
| 5
| 5
| 1,020,034
|
Credit reporting
|
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX {$180.00} - XXXX XXXX Open Date XXXX XX/XX/2015 XXXX improperly listed the XXXX account on my credit report. XXXX XXXX bought a disputed debt ( between myself to XXXX and their agents in the past ) they never sent me notification of the purchase nor their intentions to place the debt on my credit bureau. They listed the debt as open XXXX XXXX 2015 which is incorrect - as the re-aged the debt through fraud. I never admitted any obligation on the bill, and consistently disputed it through every collection agency that attempted to contact me. I am part of a class action lawsuit against XXXX for illegal collection practices : ( XXXX v. XXXX XXXX ( XXXX ) XXXX, Case No. XXXX U.S. District Court for the XXXX District of XXXX ) Again, XXXX never contacted me on my disputed debt. XXXX illegally re-aged the debt on my credit report with a XXXX XXXX 2015 open date. And they purchased a debt I disputed several times ( both via phone and in writing ).
| 4
| 4
| 252,466
|
Credit reporting, credit repair services, or other personal consumer reports
|
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit.
| 3
| 3
| 55,829
|
Debt collection
|
XXXX XXXX issued a loan to someone who applied using my personal Info since the person who took the loan defaulted they are trying to come after me.
I have a Consumer alert indicating my information was stolen, i also have a police report and FTC affidavit.
| 5
| 5
| 503,778
|
Debt collection
|
Every time the phone number calls me and I answer, they immediately hang up. They never say anything. When I try and call back, I immediately get placed on hold. Sometimes I'll wait for a minute to try and obtain information as to who is contacting me. However, I become frustrated being on hold and hang up without ever speaking to anyone. Also, when I don't answer the call, and it goes to my voicemail, they never leave a message. Just today alone, XX/XX/2018, they have called my number four ( 4 ) times beginning at XXXX XXXX with the most recent one at XXXX XXXX. That is four ( 4 ) phone calls within six ( 6 ) hours! Yesterday, XX/XX/2018 I received five ( 5 ) phone calls from them beginning at XXXX XXXX with the last one at XXXX XXXX This is an EVERYDAY occurrence. The one and only time I actually spoke to someone, they were rude to me and refused to state the purpose of their call. At that point, I asked them to never contact me again. It's out of control how many times they call me even after I have requested they not. What makes matters worse, is I can't even get any information out of them to further pursue the issue at hand! It's beyond harassment at this point.
| 5
| 5
| 611,189
|
Credit reporting, credit repair services, or other personal consumer reports
|
In accordance with the Fair Credit Reporting act DEPT OF ED / 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
| 3
| 3
| 447,021
|
Debt collection
|
A random collection popped up my credit report from a company I've never even heard or let alone owe money any to. It showed up on my report on XX/XX/2022. The amount is {$1300.00} and I have ZERO idea who they are or what they represent. The name of the company is Credence Resource Management.
| 5
| 5
| 479,029
|
Credit card or prepaid card
|
X/X/2017, These charges are all fraudulent. I did not make them. They must be reversed. All " SECURITY DISPUTE ADJUSTMENT '' must be LOOKED INTO and refunded to me. <P/>XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$700.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XXXX
| 1
| 1
| 419,998
|
Credit reporting, credit repair services, or other personal consumer reports
|
I am a consumer by law and this is a formal complaint not sent in error or default. The information on my consumer report is not reporting 100 % maximum accurate as well as the unauthorized use of my information.
| 3
| 3
| 153,691
|
Credit reporting, credit repair services, or other personal consumer reports
|
I sent a letter to Experian dated XX/XX/2022 regarding XXXX XXXXXXXX XXXX ( account # XXXX ) that is showing on my credit report Upon closing of their investigation their report # XXXX results stated " Remains '' The account can " Remain '' HOWEVER I am hereby requesting that all lates be deleted.
I have been a victim of their breaches and their failure to remove the information will result in a lawsuit per FCRA regulations Theyre not a government agency and I believe theyre colluding as their business entity is a publicly traded company and this seems to be some sort of extortionate credit transaction.
These errors have caused a denial of extension of my own credit to me
| 3
| 3
| 341,158
|
Credit reporting, credit repair services, or other personal consumer reports
|
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft.
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
| 3
| 3
| 358,168
|
Credit reporting, credit repair services, or other personal consumer reports
|
I received a notification that XXXX had asked for inquiry in my credit. The notification was through XXXX XXXX
| 3
| 3
| 192,655
|
Credit reporting, credit repair services, or other personal consumer reports
|
Car loan was taken out in XXXX the car was a lemon and the loan repoed in XXXX and i have paid the reaming balance off but they will not update my credit report
| 3
| 3
| 374,321
|
Credit reporting, credit repair services, or other personal consumer reports
|
In accordance with the fair credit reporting act convergent account 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 Inquires : 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
| 3
| 3
| 286,463
|
Credit reporting, credit repair services, or other personal consumer reports
|
XXXX XXXX XXXX XXXX OLD Address : XXXX XXXX XXXX XXXX XXXX al XXXX NEW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX On XX/XX/XXXX, I received a letter in the mail concerning the unauthorized inquiries on my account. You stated that they all were factual. If they were factual and you did the proper investigation can you provide me with a description of the procedure used to determine the accuracy and completeness of the information? Including the business name and address of any furnisher of information contacted in connection with such information and the telephone number. I expect to get this information by not later than 15 days. Thanks for your time.
| 3
| 3
| 231,150
|
Debt collection
|
Credit Management Lp. Did not contact about a debit that they received from XXXX XXXX XXXX. They did not follow Fair Debt Collection Practices Act and Consumer Credit Protection Act.
| 5
| 5
| 322,246
|
Consumer Loan
|
I paid my car off XXXX XXXX with an overpayment of {$600.00}. Westlake financial services is refusing to send me the overpayment check. I have called and asked for it to be expedited and I am not getting any resolution at all. One manager XXXX XXXX said it would be done but the check was never sent. No where in there contract states there is a 22 business day waiting period for overpayments on payoffs.
| 13
| 13
| 868,253
|
Vehicle loan or lease
|
In addition to charging 22.99 % interest, which I thought was usury and therefore illegal, Credit Acceptance has added over {$500.00} to what I owe, and refused to explain why. I openly entered into the agreement, so I am not looking for a remedy for the crime of usury.
I have been making extra payments nearly every month for eleven months. According to several amortization calculators that I have used I should owe {$820.00} effective XX/XX/XXXX. According to the person who I spoke with on the phone on XX/XX/XXXX, my payoff balance as of XX/XX/XXXX will be {$1300.00} and will continue to increase until paid after that date.
I previously called and asked for a breakdown of what I have paid and what portion of the payments went to interest and what part to principle. They sent me a list of the payments that they have received. It agrees with my records, but they did not explain the difference in our calculations of a payoff amount.
I think I made myself more clear to the person I spoke to on XX/XX/XXXX, and he refused to send me any additional information.
| 9
| 9
| 821,317
|
Credit reporting, credit repair services, or other personal consumer reports
|
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate information : XXXX XXXX XXXX XXXX, CO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, CO XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX
| 3
| 3
| 1,018,436
|
Debt collection
|
I've asked U.S. Collection West, Inc where is the contract that shows they've been given the right to collect on the alleged debt from the ORIGINAL creditor. Since they're a 3rd party, they have no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. According to 73 AmJur, 2nd, Section 90. You have no right to "subrogate" (substitute) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you "bought" the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a "stranger to the transaction" (voluntary payee). Once again, I'm asking you to delete all information you have furnished to any and all credit bureaus and destroy information about any alleged account you claim to have with me and should you sell, assign, transfer or trade the alleged account to some other entity to attempt collection, I will file a formal complaint to the Attorney General against your company.I've also attached a letter from them stating they wouldn't respond to me any longer.
| 5
| 5
| 789,815
|
Payday loan, title loan, or personal loan
|
I got a {$800.00} loan. I lost my job and they are severely harassing me threatening to have me arrested
| 14
| 14
| 203,769
|
Checking or savings account
|
I AUTHORIZED A TRANSFER FROM MY CHECKING ACCOUNT TO PAY A CREDIT CARD BANK IN THE AMOUNT OF {$500.00} ON XX/XX/2021. I NOTICED THAT THE FUNDS WWERE NOT CREDITED BY THE CREDIT CARD BANK AS BEING RECEIVED. WHEN I CHECKED THE BANK FROM WHOM THE FUNDS WERE WITHDRAWN FROM MY CHECKING ACCOUNT, THEY COULD NOT PROVIDE A CONFIRMATION NUMBER OR INFORMATION ON WHERE EXACTLY THEY TRANSFERRED THE MONEY. I HAVE BEEN KEPT ON HOLD FOR OVER AN HOUR WITH THEIR REPS WHO CAN NOT RESOLVE THE ISSUE. I CALLED THE BRANCH WHERE THE ACCOUNT IS HELD AND THEY ALSO CAN NOT PROVIDE ME WITH NO INFORMATION ON HOW THE FUNDS WERE TRANSFERRED TO AND COULD ONLY SUPPLY THE NAME OF THE CREDIT CARD BANK WHICH INFORMATION I HAD ALREADY. IT IS NOW OVER A WEEK LATER AND I HAVE BEEN CHARGED EXTRA FINANCE FEES BY THE CREDIT CARD BANK AS WELL FOR NOT BEING CREDITED WITH THIS PAYMENT
| 7
| 7
| 963,847
|
Credit reporting, credit repair services, or other personal consumer reports
|
To Whom it May Concern, This will be my fifth attempt to have this account reported correctly on my credit from XXXX XXXX. If Experian and XXXX XXXX can not get it right this time I will be forced to take legal action and go to the media against XXXX XXXX and Experian for not keep creditors accountable. Her is a factual summary of my complaint against XXXX XXXX inaccurately reporting on my credit : XX/XX/XXXX, XXXX XXXX called XXXX about the issue with mortgage due to him reviewing his credit report and seeing the mortgage was 60 days behind. XXXX XXXX never received any letter or phone calls from XXXX XXXX and was only made aware of the issue through his credit report. XXXX explained what happened with XXXX XXXX and asked him to help short out the issue.
On XX/XX/XXXX XXXX spoke with XXXX # XXXX from XXXX XXXX to figure out what need to be done to catch up and requested a forbearance to make sure the house did not go into foreclosure. XXXX submitted the request forbearance and explained the house was behind on escrow by {$7800.00} and behind on the mortgage {$5600.00}. XXXX told XXXX XXXX would have the money from her tax return and would catch up as soon as XXXX bank released the money. XXXX also requested XXXX to uncompounded the taxes due to an issue with the solar company attaching additional tax to the escrow making the mortgage payment fall behind and escrow shortage.
On XX/XX/XXXX, XXXX called to check the status of the forbearance and tax situation. He spoke with XXXX # XXXX who explain there was no update on the status of the forbearance request.
On XX/XX/XXXX, XXXX called again to check on the status and spoke to XXXX # XXXX who stated he did not have an update on the request and to call back in 48 hours.
On XXXX XXXX XXXX called and spoke with XXXX # XXXX who explained that a request was never submitted. She took the financials and apologized for the oversight of the company and told me XXXX the request for forbearance would be completed by XX/XX/XXXX. XXXX stated to not worry about the house going into foreclosure.
On XX/XX/XXXX, XXXX spoke with XXXX # XXXX who stated the forbearance was still being proceed and we should hear something soon.
On XX/XX/XXXX XXXX called because he noticed a foreclosure flag on the account despite being told by XXXX XXXX this would not happen. XXXX did a conference call with XXXX and spoke with XXXX # XXXX from XXXX XXXX to figure out what happen. XXXX had the money to catch up from her taxes but XXXX was rude and non-sympathetic to what was happening. She continued to explain they would not accept our money because the house is in foreclosure. XXXX was able to get XXXX to calm down and XXXX requested XXXX to speak with a manager. XXXX told XXXX and XXXX there was no manager available but would have a manager call us back as soon as they are available. XXXX also explained the loss mitigation process to XXXX and XXXX.
On XX/XX/XXXX, XXXX was called by a XXXX XXXX manager XXXX # XXXX who was apologetic for the mistake the company made with flagging the mortgage with foreclosure flag. XXXX told XXXX would contact the forbearance office to let them know we have the money to catch up and want to pay the balance if they remove the flag on their mortgage account.
On XX/XX/XXXX, XXXX spoke with Manager XXXX # XXXX who informed him that the forbearance was approved stopping the foreclosure process for 3 months. She also explained the mitigation process further and told us to that she would email and mail the documents.
On XX/XX/XXXX called to check on status of loss mitigation due to no response from XXXX XXXX and was on hold for 57 minutes until the company line hung up on me.
On XX/XX/XXXX, called to check on status of loss mitigation due to no response from XXXX XXXX and was on hold for 79 minutes until the company line hung up on me.
On XX/XX/XXXX, spoke with XXXX XXXX agent XXXX # XXXX to ask the status of the loss mitigation and she explained that the loss mitigation process is still pending approval and could not provide any further information.
On XX/XX/XXXX Hired Lawyer and Real Estate Agent to list house due to lack of transparency and answers from freedom mortgage regarding the loss mitigation process.
*House Closed Escrow on XX/XX/XXXX and never went into foreclosure status.
XXXX XXXX, XXXX Filed Report against company for unethical behavior and false credit reporting with XXXX reference complaint # XXXX.
XXXX XXXX, XXXX Filed Report against XXXX XXXX with CFPB XXXX XXXX : Response from Freedom Mortgage not addressing or fixing any inaccuracies on my credit report.
* XX/XX/XXXXXXXX : New Claim against XXXX XXXX for showing balance on account a year latter despite being paid off and still not reflecting the corrected payment history.
XXXX XXXX, XXXX : Received letter from Experian showing only the balance being removed but adding Foreclosure Proceeding Flag on my credit after the house was sold. What is this! How can this even happen.
I HAVE ATTACHED ALL FACTUAL SUPPORTING DOCUMENTATION.
| 3
| 3
| 909,196
|
Credit reporting, credit repair services, or other personal consumer reports
|
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
| 3
| 3
| 329,758
|
Credit reporting
|
I was the personal representative for my brother 's estate. As part of my duties, I contacted the three major credit bureaus notifying them of his death, plus requesting that a notice of death be added to his file, and a copy of his credit report be sent to me for the estate records. To each I submitted a detailed letter via certified mail containing my request, plus enclosed emboss stamped originals of both his death certificate and the Letters Testamentary from the courts naming me as PR.
XXXX returned a copy of his credit report to me with a death notice included in his file. Excellent. XXXX returned a copy of his credit report to me, but with no death notice added to his file. OK. TransUnion , however, simply returned a form letter notifying me that a death certificate and court papers were required -- both of which I provided. No copy of his credit report, and no death notice. Boo.
I 'd like TransUnion to provide a copy of his credit report for the estate files with a death notice added to the report. ( And it would be nice if XXXX added a death notice ... )
| 4
| 4
| 648,955
|
Bank account or service
|
Since XX/XX/XXXX, I am a client of WELLS FARGO BANKS and the account holder of XXXX accounts currently XXXX and XXXX., on XX/XX/XXXX, I received a call from the XXXX Department of Wells Fargo Banks , to inform me that a number of debit card transactions had been made -presumably in my name- in XXXX , NY , from XX/XX/XXXX through XX/XX/XXXX. This time the charges amount to the total sum of XXXX dollars with XXXX cents ( US {$9400.00} ). The person who called me identified herself as XXXX, her Wells Fargo Banks ID number is XXXX, and her contact phone number at the XXXX is XXXX. I informed her that I was in XXXX, XXXX, and that the debit card that the bank had sent me to my home address was still in my possession, is a new debit card and that IT HAD NEVER BEEN ACTIVATED BY ME. XXXX told me that they would proceed to block my accounts and to cancel the aforementioned debit card, and gave me the claim number for my case. XXXX informed me that, in at least a week, I would receive a call from the XXXX of Wells Fargo Banks to provide me with information about my case. She also indicated that I could call the number XXXX to check on the status of my case. I then wrote an email to XXXX, the XXXX at Wells Fargo Banks ' XXXX office who attended me on XX/XX/XXXX, to inform him of the serious situation that I am going through, and of the damage to my financial assets that I had suffered. XXXX replied that he was so sorry and embarrassed by all this, and that I could rest assured that the bank would refund my money, as he was reviewing my account while he was writing the reply email and, in his exact words, he said " IT IS OBVIOUSLY A CASE OF FRAUD. '' Having not received any call from the bank since I last spoke to XXXX, I called the aforementioned number on XX/XX/XXXX and told the operator that I needed to know about the status of the case of fraud to which I am being a victim. The operator transferred my call to XXXX in Wells Fargo Banks XXXX, who from now on would be the person assigned to my case. On XX/XX/XXXX, I received a called from XXXX to inform me that Wells Fargo Banks will not refund the money extracted from my accounts, claiming that " it is not possible that the debit card has been cloned ''. I immediately demanded to talk to a supervisor and they communicated me with XXXX, who committed herself to reviewing my case and promised to call me back soon to provide an answer, which to this date it has not happened. This is the second time someone has made unauthorized consumption with my debit card.In XX/XX/XXXX someone made purchases in several US cities for {$790.00}. In that moment, fortunately Wells Fargo Bank returned the money to my account.
| 11
| 11
| 974,882
|
Credit reporting, credit repair services, or other personal consumer reports
|
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report.
XXXX XXXX XXXX {$0.00} XXXX XXXX {$680.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00}
| 3
| 3
| 410,615
|
Credit reporting, credit repair services, or other personal consumer reports
|
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
| 3
| 3
| 697,297
|
Credit reporting, credit repair services, or other personal consumer reports
|
Equifax letter dated XX/XX/2022 confirmation # XXXX. Results - XXXXXXXX XXXX account was updated to - PAID IN FULL, account balance {$0.00} and an update freeze was placed on the account. This was done by Equifax per my dispute and CFPB complaint XXXX regarding XXXXXXXX XXXX issuance of a XXXX which cancelled and discharged the debt.
Just 5 days later, XX/XX/2022 Equifax reinserted a balance of {$22000.00}.
XXXX account accurate Balance is {$0.00} with reporting date of XXXX per the XXXX issued. Equifax knows the accurate balance is {$0.00} WHICH IS WHY EQUIFAX UPDATED THE BALANCE TO {$0.00} ON XXXX XXXX. EQUIFAX SHOULD NOT HAVE REINSERTED A BALANCE JUST 5 DAYS LATER.
Equifax dispute results letter dated XX/XX/2022 with pages XXXX, XXXX and XXXX are attached to this complaint for proof of letter received from Equifax. There are yellow highlights on the pages noting Equifax results of {$0.00} balance and paid in full. I am also attaching another copy of the XXXX.
This seems to be a FRCA violation. Permanently delete this account due to the inability to freeze the updating of a balance on this account. The accurate balance is {$0.00}. The updating from {$0.00} to {$22000.00} then back to {$0.00} then back to {$22000.00} can not keep happening.
| 3
| 3
| 167,224
|
Money transfer, virtual currency, or money service
|
Hello. My husband XXXX XXXX. He worked for XXXX XXXX at the time. He would send me money through Google Pay as he was only home every six weeks for 2-3 days. We used Google Pay many times without incident but this time Google Pay deposited money in my account but then withdrew it the next day for a total of XXXX XXXX dollars. I have been demanding our stolen money from Google Pay for over a year. I filed cases with Google Pay ( case ID XXXX ), the XXXX, the FTC and the Arizona Attorney General. Google Pay acknowledges deposits but ignores their withdrawal which I have documented. They said my husband stole the money, my bank stole the money and I am sure now the Arizona Attorney General and/or the FTC. I just want our money back.
| 12
| 12
| 376,464
|
Debt collection
|
North Shore Agency has sent me a collections bill for a debt that I don't recall even making. According to them, I allegedly owe XXXX dollars for some book that I never ordered. The book is supposedly titled XXXX XXXX XXXX XXXX XXXX. I don't remember ordering any book in my entire life. If this is the result of some kind of identity theft going on, then I have every intention on finding out who stole my identity.
| 5
| 5
| 666,100
|
Credit reporting, credit repair services, or other personal consumer reports
|
I contacted all 3 Credit Bureaus on multiple occasions about fraud that was on my account and even sent in a police report and they keep giving me the run around saying they did not receive it. I mailed it to them 2 times and faxed it to them 2 times swell. Please help me with this situation, because this is not right. I am the victim here and they are not honoring a valid police report. If not corrected then I will have to file litigation which should not be pessary because I have a report that I filed showing identity theft.
| 3
| 3
| 187,368
|
Credit reporting, credit repair services, or other personal consumer reports
|
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.
| 3
| 3
| 664,445
|
Mortgage
|
We were the sellers and we were set to close on the house on Friday XX/XX/19. On Wednesday XX/XX/19 the loan officer forgot to have a closing document signed by the buyer, which is required to have 3 business after the signature, in order to close! Tuesday XX/XX/19 was the 3rd business day. We get a clear to close from the buyer but now were told signing wont happen until Wednesday XXXX. So now 3 different families have been waiting a week to close and 1 family has been XXXX this entire time. Does American Pacific care? No!! Wednesday morning comes, we are physically at the signing table, the buyer is not clear to close anymore?!? The buyer sits at the title office for 9 HOURS! on Wednesday waiting for closing paper work. Meanwhile, no one is getting a call back or any kind of communication from American Pacific! Neither the buyer or us, the sellers. Any communication we do receive is someone passing the buck and blame on someone else. No answers to why these closing documents were not ready or being sent. 5 times this happened!! We demanded calls back. That never happened! Worst customer service in the United States!! We did not close until Wednesday night at XXXX local time and this was only done on Wednesday, because the title company stayed late for us, waiting for these documents. Otherwise it would have been pushed to Thursday.
| 10
| 10
| 496,841
|
Debt collection
|
I am a XXXX, XXXX XXXX XXXX with very limited income, trying my best to get my life back in order. Please help!
I was XXXX in the Missouri department of XXXX continuously from XX/XX/XXXX through XX/XX/XXXX as evidenced by my enclosed letter of XXXX. While XXXX my identity was stolen by person or people unknown to me. Between the dates of XX/XX/XXXX and XX/XX/XXXX whoever stole my identity incurred {$8300.00} in debt using my Army and Air Force Exchange Service credit card ( see included account statements ). These purchases were purely fraudulent, and I had absolutely no knowledge of them. After I was released from XXXX in late XXXX, I learned of this debt because of pulling my credit report. I began to receive monthly statements from the Army and Air Force Exchange Service and I've included a copy of the last one in XX/XX/XXXX, which states that with their added interest the balance is {$10000.00}. I also receive account statements from a company called XXXX XXXX XXXX. ( XXXX ) who now apparently ( also ) carry the debt. The last statement I could find from them is from XX/XX/XXXX, and it states that my current balance is {$12000.00} as of that date. I contacted Both of these companies and informed them that the debt was incurred fraudulently and that my identity had been stolen while I was XXXX. They sent me a list of required documents that I was to put together to dispute the fraudulent debt, including an affidavit of forgery ( included in attachments ) from the local police. After getting everything together I returned my fraud pack to XXXX via certified XXXX mail ( see the enclosed, signed receipt ). They signed for it on XX/XX/XXXX. On XX/XX/XXXX I received a voicemail from a person named XXXX or XXXX, in which she said she was calling for XXXX XXXX ( my name is XXXX XXXX ) and that she was the investigator for my claim. I called her back at XXXX XXXX the same day and we spoke for four minutes and ten seconds. In our brief conversation, the only thing that she asked me is if I was married when I went to XXXX ( I was, but filed for divorce, which was finalized XX/XX/XXXX ). She then said that if she had any other questions she would let me know. In approximately a week, I received a 1-page summary of their " investigation. '' They had " determined '' the debt was valid and would continue to grow with interest. To make matters worse they are started taking my tax returns each year and a garnishment from my XXXX XXXX pay because the credit card ( which I got as a young XXXX in XXXX ) can apparently be collected as a federal debt would, through garnishment.
| 5
| 5
| 224,611
|
Credit reporting, credit repair services, or other personal consumer reports
|
On ( XX/XX/2022 ) I 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
| 3
| 3
| 46,717
|
Credit reporting, credit repair services, or other personal consumer reports
|
I have filed an identity theft report I need this fraudulent inaccurate information off of my credit report. This is hurting my family as well from purchasing a home. We are running out of options cant get a home and will eventually cause my family to be in a homeless shelter. Please help. I contacted this company several times by phone and by mail with still no progress.
XXXX XXXX XXXX XXXX {$660.00}
| 3
| 3
| 568,305
|
Credit reporting, credit repair services, or other personal consumer reports
|
THIS ACCOUNT REMAINS NEGATIVE ON MY CREDIT REPORT, IT IS REALLY AFFECTING MY CREDIT 'S OVER-ALL HEALTH. XXXX XXXX XXXX IS AN ACCOUNT FROM 2014, I WEN AHEAD AD DISPUTED THIS SPECIFIC ACCOUNT SEVERAL TIMES BEFORE AND NOTHING WAS DONE ABOUT THIS MATTER.
NOTHING HAS BEEN DONE ABOUT IT, NO ACTIONS HAVE BEEN TAKEN BY ANY OF THE COMPANIES IN WHICH ARE IN CHARGE TO LOOK AT THIS ACCOUNT. FOR SOME REASON I FEEL IGNORED AND I FEEL I HAVE PUT ALL EFFORT INTO REMOVING THIS ACCOUNT FROM MY CREDIT REPORT. LOOK INTO THIS AND LET ME KNOW IF THERE IS SOMETHING THAT HAS TO BE DONE IN ORDER TO GET THIS NEGATIVE ACCOUNT REMOVED.
| 3
| 3
| 243,648
|
Student loan
|
I have repeatedly notified Navient that the amount due and owing is incorrect. I have long suspected padded charges since the original loan changed hands twice. XXXX and XXXX specifically. I have NEVER attended one of schools reporting. I never took any funds nor signed any loan documents from this institution. Navient refuses to recalculate these amounts. This is fraudulent.
| 0
| 0
| 119,011
|
Credit reporting, credit repair services, or other personal consumer reports
|
Transunion refuses to update my address. I called them on the phone and I have mailed a copy of my current drivers license and they mail things to me at the correct address and yet they will not update it. Their demand for utilities or bank account is impossible, due to XXXX, I am XXXX and do not have a bank account.
Also, they show a collection for XXXX XXXX that should be removed.
| 3
| 3
| 416,037
|
Debt collection
|
There are two accounts that they say I owe a debt to XXXX XXXX.. I have sent out letters for validation on XX/XX/XXXX, they have not sent out valiadation on the two accounts that they say I owe. On XX/XX/XXXX I received a settlement offer in the mail under XXXX XXXX XXXX XXXX. sataing they are collecting on behalf of XXXX, XXXX. I was informed that XXXX XXXX. is not licensed to collect in Maryland. I have not received any validation on this matter as of yet.
| 5
| 5
| 624,695
|
Debt collection
|
Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called SWISS COLONY ASHRO and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with SWISS COLONY ASHRO and XXXX XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with SWISS COLONY ASHRO or any of it affiliates.
I am requesting that SWISS COLONY ASHRO and XXXX 'S XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it.
After that they came up with another name SWISS COLONY ASHRO with same account number XXXX stating that I was owing them. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me.
Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND XXXX REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX 'S and SWISS COLONY ASHRO reported some account to my credit report with the names.
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and XXXX kept saying the investigation stated that the account was mine.
THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.
| 5
| 5
| 431,450
|
Credit reporting, credit repair services, or other personal consumer reports
|
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
| 3
| 3
| 315,897
|
Credit reporting, credit repair services, or other personal consumer reports
|
Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 30 days later, XXXX reporting agency ( equifax ) said they concluded their investigations and everything is correct and its not. Transunion has not responded and Experian responded with " investigation completed '' and the info is still wrong. Aren't all reporting agencies suppose to have the exact same info?
XXXX BANK ( CLOSED DATES DONT MATCH ) SHELLPOINT MORTGAGE ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX CLOSED DATE, LAST ACTIVITY ) XXXX XXXX MORTGAGE XXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) FIRST XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX FIRST XXXX ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )
| 3
| 3
| 139,515
|
Credit reporting, credit repair services, or other personal consumer reports
|
I requested validation regarding an assumed bankruptcy that is reporting to my consumer report. The reference number along with court names are not reporting the same information between XXXX, XXXX, and Equifax. Also, after I disputed these items and the credit bureaus failed to provide the method of use to validate the account, instead I received a letter from XXXX stating after investigation it was verified as accurate. The term investigative consumer report means information on a consumers character, reputation, characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer. An investigation was not done with any of these sources.
| 3
| 3
| 994,035
|
Credit reporting, credit repair services, or other personal consumer reports
|
I received a notification that this company, AFNI reported a XXXX XXXX balance on my credit Bureau file. I have not had an XXXX XXXX account in over five years and I did not have a balance with them!
I never received a letter from this company or XXXX to discuss this account.
| 3
| 3
| 560,055
|
Credit card or prepaid card
|
The CFPB needs to review the billing dispute process at this banking institution. Never in my life, have I had such difficulty resolving a small dollar dispute with a credit card provider. Timely filed billing dispute case XXXX for a total small dollar amount of {$310.00}. Attached is just a part of the lengthy amount of information submitted to the business. In fact, the business sends an email dated XX/XX/2022 asking for an unnecessary piece of information requesting a " letter from a neutral third party ''. As requested, a letter was submitted, about seven days later, the business reaches out and asks for " a letter on business letterhead ''. The individual is self employed. The business needs to fix the wording they use if they expect a cardholder to hire a third party company for an expert opinion.
Attached is a service invoice from the business dated XX/XX/2022, the business removed ALL of the equipment referenced in my original dispute. The dispute is valid, remove the charges from my account.
| 1
| 1
| 154,552
|
Credit reporting, credit repair services, or other personal consumer reports
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Credit Reporting Agency Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. 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 Congress and 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 The 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 helps who are victims of identity-theft. I request that an extend 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 ( XXXX ) XXXX 1. Identity Theft XXXX XXXX Account Number : XXXX 2.Identity Theft Account Number : XXXX 3. Identity Theft Account Number:XXXX The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
Reinvestigation Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts,, bbut the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to disputed each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit file.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1
681c ( 2 ) Block of information resulting from identity-theft. 1.Block. Except as otherwise provided in this section, a
consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of Appropriate proof of identity of the consumer ; A copy of an identity theft report The identification of such information by the consumer ; and A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
| 3
| 3
| 348,280
|
Credit reporting, credit repair services, or other personal consumer reports
|
XXXX XXXX XXXX is refusing to remove fraudulent information From my consumer report. I have requested matter several times with XXXX XXXX and XXXX XXXX
| 3
| 3
| 925,362
|
Prepaid card
|
I prepared my XX/XX/XXXX income tax online. The netspend prepaid credit card was an option for receiving my refund faster. When I efiled my final form the screen stated my card would be mailed that week to expect it by XX/XX/XXXX. I have had a restraining order against my husband for XXXX years and stealing my mail is XXXX of his favorite pastimes. I immediately phoned netspend that card was cancled a new card was issued and after explai XXXX g my concerns an activation code was placed on my card. Net spend issued him a XXXX card without my authorization got him his card XXXX day before mine never enforced the activation code and he withdrew XXXX $ a day before I received my card. I faxed the company my written complaint XX/XX/XXXX. They claim they never received it.XX/XX/XXXX he withdrew the money from our local XXXX bank. XX/XX/XXXX at XXXX is when I received my card. I immediately attepted to activate it. When I did no activation se urity code was required as I was guaranteed would be. My balance showed XXXX $ less. I called customer service and they explained that a XXXX card was issued by them. I was furious. My lender is ready to foreclose on my home and I dont see why I cant get my money. They are past all regulated days allotted and I cant even get an update much less the refund I should of been given weeks ago. I have several emails qhere they admitt fault claim they counseled staff yet im ready to lose my home and its been XX/XX/XXXX
| 16
| 16
| 539,903
|
Debt collection
|
I was notified by XXXX that there was a change in my credit report on XX/XX/XXXX in which I reviewed and submitted a dispute. Consumer Adjustment Co has repeatedly ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) reported delinquency on my credit report in which I have no idea who they are or what debt they are reporting delinquent, as I have not received any statements or written communication as to what this debt is nor was I given the required ability to dispute or request validity of implied debt, therefore a clear violation of regulatory requirements as well as conducting abusive and deceptive collection practice, causing unavoidable harm as my credit score has significantly been impacted.
| 5
| 5
| 402,816
|
Credit reporting, credit repair services, or other personal consumer reports
|
XXXX refuse to remove AR resources inc and XXXX XXXX in trust accountXXXX From my credit report. Even thought these accounts where removed from XXXX and XXXX on.
XX/XX/2019 and XX/XX/2019. These accounts are not mine and have been removed.
| 3
| 3
| 437,766
|
Debt collection
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
| 5
| 5
| 440,057
|
Credit reporting, credit repair services, or other personal consumer reports
|
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/2014 XXXX {$0.00}.
| 3
| 3
| 145,711
|
Credit reporting, credit repair services, or other personal consumer reports
|
someone committed fraud by using my credit by going through AWA COLLECTIONS and also through XXXX XXXX
| 3
| 3
| 1,005,305
|
Credit reporting, credit repair services, or other personal consumer reports
|
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
| 3
| 3
| 114,069
|
Credit reporting, credit repair services, or other personal consumer reports
|
On XX/XX/2021, I sent a letter regarding inaccurate and an unknown item XXXX XXXX XXXX XXXX XXXX on my credit report. It has been over 45 days since I sent out that letter and I still have not received a response yet. I feel like I'm being taken advantage of and my dispute is being deliberately ignored. Section 611 ( a ) clearly states that faiure to investigate a disputed item within 30 days is a valid reason to have the item immediately removed from my credit report. It has been over 45 days so the item should be deleted promptly. I demand that the XXXX XXXX XXXX account be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
| 3
| 3
| 666,154
|
Credit reporting, credit repair services, or other personal consumer reports
|
I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED.
I, XXXX XXXX, consumer and natural person, submitted a dispute to TRANSUNION and they stated in writing that they've " VERIFIED '' that the items I disputed are being " reported correctly ''. They have NOT provided me a copy of ANY original documentation that they have on file that is required under Section 609 & 611 ( a ) ( 1 ) ( A ) - ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which CAN NOT be verified. ''
| 3
| 3
| 65,546
|
Payday loan
|
XXXX XXXX XXXX XXXX I am disputing this loan based on that it is impossible to pay it off at 98.8 %. I do not want this company debiting my checking account until we come with a resolution NetCredit responding about indicate my account is in delinquent status. Last week, I did not pay {$160.00} due last week due to concerns about the interest rate and waiting for a resolution.
NetCredit claims that they contacted me regarding the status of the account and said I was unwilling or unable to talk with us about my account. I have talked to NetCredit on numerous occasions and was told that the legal department would contact me. This was over 3 1/2 weeks ago. I have tried to talk with the representatives about my account and working out a plan but I am either being talked over when I try to work out a solution and even had a supervisor laugh at me stating that I will pay over {$7000.00} for a {$3900.00} loan at 98 %.
NetCredit claims that they values me as a customer and strives to provide the ultimate customer experience and ask that I contact our Customer Service Team at XXXX, to discuss possible options regarding the account balance. I have called and spoke with them about 10 times within the last 3 1/2 weeks .NETCREDIT WILL NOT WORK WITH ME OR DISCUSS ANY OPTIONS WITH ME. THE REPRESENTATIVES I SPOKE WITH SAID THERE IS NOTHING THEY CAN DO TO WORK WITH ME. I AM APPAULED THAT THEY have FABRICATE to a FEDERAL AGENCY. All I am asking for is to take the interest away from this loan and allow me to make monthly payments that I am able to handle. I understand my responsibility of the balance of the loan but they do not work with their consumers, instead make a profit with predatory lending practices.
| 2
| 2
| 936,232
|
Credit reporting, credit repair services, or other personal consumer reports
|
The Credit Bureaus have done nothing to correct the erroneous information reporting on my Credit Report! I previously sent a dispute letter addressed to the Credit Bureaus on XX/XX/XXXX requesting to correct the accounts and information being presented on my Credit report but it is clear that the Credit Bureaus have ignored my written request. I am now submitting this CFPB complaint to request the Credit Bureaus that they remove the disputed items completely from my Credit Report since they are unable to verify the authenticity of the items in dispute. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX XXXX XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
| 3
| 3
| 980,698
|
Debt collection
|
XXXX writing to share a serious concern regarding our familys interaction with Pro HealthCare [ https : //www.prohealthcare.org/ ]. In summary, a billing dispute has now escalated to the point of harassment, and we are asking for your help to resolve this matter.
Please allow me to share the fact pattern for this issue : -Our son was born at the XXXX XXXX XXXX on XX/XX/XXXX.
-The birth is a fully covered cost. Our insurance coverage is through XXXX XXXX XXXX, and our healthcare coordinator is XXXX. We have a confirmed EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost.
XXXX XXXX XXXX has communicated that this claim has been paid in full.
-Pro HealthCare [ https : //www.prohealthcare.org/ ] has been unable to identify the payment. As such, weve been contacted by the Pro HealthCare billing department on several occasions [ dates listed below ] stating that the invoice status for XXXX birth is unpaid and has now gone into a formal collection process.
-To trace the payment, XXXX has communicated to Pro HealthCare that Pro HealthCare must initiate a request to the local XXXX office to research and find the payment that was made. When weve communicated this requirement to Pro HealthCare, the response has been, Thats not my job.
Neither XXXX, in its role as the XXXX coordinator, nor we [ the covered parties ] can initiate a check trace as we are not parties to the financial transaction between the payor [ XXXX ], and Pro HealthCare, the payee.
Weve worked diligently to resolve this matter with Pro HealthCare but unfortunately have been unable to come to a resolution. As mentioned, the tone of the conversation has now been raised to the level of harassment, and this is now unacceptable.
Pro HealthCare is currently requesting payment of {$380000.00}. Please note that there have been several iterations from Pro Healthcare requesting different amounts.
Dates of communication : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Attached with this submission are : 1. The EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost and the payment for this claim has been made. Please note that they payment made is equal to the negotiated rate between XXXX [ our insurer and the payor ] and Pro Healthcare [ the payee ], and is not equal to the amount in the collection 's notice.
2. The collections notice
| 5
| 5
| 5,921
|
Credit reporting, credit repair services, or other personal consumer reports
|
I have been unable to access 'my.equifax.com ' since XXXX. Every attempt to log in instructs me to contact customer service.
I have repeatedly contacted customer service. Each time, they instruct me to mail in a copy of my driver 's license, my social security card, my address, date of birth, and a description of the problem.
I have submitted all of this at least three times : on XX/XX/XXXX ; on XX/XX/XXXX, and on XX/XX/XXXX. Their customer service representatives have given me various addresses and fax numbers throughout these interactions, and I have sent the documents to all of them, including by registered mail.
Each time, Equifax reports either that they never received the information, or that they did and that the problem has been resolved. However, in each case, I continue to be unable to access the account.
I have had great difficulty even determining whether I currently have a credit freeze and when it was placed, let alone creating or lifting one. In XX/XX/XXXX, after attempting to fix this problem, I instead received a letter informing me that they had lifted my credit freeze.
I believe I called and created another one, but since then I have been unable even to confirm this because, when I ask, they instruct me to mail them my documentation again.
On certain occasions, they have told me that I was being transferred, only to be hung up on. In one case, I waited over an hour for a transfer to the " Office of Consumer Affairs, '' which is apparently an escalation team. After an hour, they hung up on me. When I called up again, I was told that I could not speak to the Office of Consumer Affairs until I sent in my documentation again. At that point, I gave up until a friend advised me that I could complain to the Consumer Finance Protection Bureau.
These problems have caused me to give up on credit-related transactions, including the purchase of a car, even though my credit score is XXXX.
| 3
| 3
| 264,420
|
Mortgage
|
After making several requests by telephone and by letter, " JPMorgan Chase Bank , N.A . '' has not provided a : 1. Copy of the " Mortgage Loan Payoff '' letter ; and 2. " Closing Statement '' that lists all the " charges '' and " credits '' that were applied by the bank to fully payoff the mortgage loan.
As a result, there is no way to check the " charges '' or " credits '' as to being correct.
I paid {$5400.00} Chase on XXXX/XXXX/15 and Chase refunded {$3.00} XXXX/XXXX/15.
Chase sent a letter that stated that the loan was fully paid off, but Chase did not provide any final accounting of how a payment of {$5400.00} resulted in a return of {$3.00}.
| 10
| 10
| 627,312
|
Student loan
|
I currently have a loan with Nelnet. I have the income base payment plan, but the monthly interest is higher than the payment I can made. So my balance is increasing instead of being lower with my monthly payments because I am not paying enough to cover the interest. I write an email to Nelnet to see if they can apply my payment to the principal, but they respond that my payment go first to interest and last to principal. And that I need to make additional payments in order to lower the principal. I can not pay a bigger amount right now and I feel that I am wasting my money because is not making any difference in my final balance.
| 0
| 0
| 397,918
|
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