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Mortgage
|
The XXXX blocked me from going into my account and making the XX/XX/XXXX payment and I was told by XXXX around XXXX XXXX XXXX that the Loss Mitigations department locked me out of my account. I couldn't login. I called again and spoke to XXXX around XXXX and she indicated that the department of Loss Mitigations lifted ban, she stated that I can now go on my account and make my payment. I went back online and still could not pull up my account. She allow me to make a one time free phone payment which would have cost me {$12.00} plus my late fee of {$10.00}. I have a witness to the whole conversation. I have been making payments on time never 30 days late. The last payment I made was on XX/XX/XXXX in the amount of {$1300.00}. I needed help back in XX/XX/XXXX because of medical leave XXXX and I applied for loss Mitigations. The underwriter proposed some type of trial payment plan for three months {$1400.00} and I refused and email them stating I wasn't interested. I have never been blocked before up until today. I still login my account. I have to deal with unpleasant people every time I call. The attitude I get from them is that they are doing me favors.
| 10
| 10
| 723,945
|
Debt collection
|
XXXX XXXX XXXX XXXX and The Credit Bureau of San Luis Obispo have violated my rights under the Health Information Portability Act and released my information without my consent which is now damaging my ability to obtain credit for personal reasons. I requested my itemized bill several times from XXXX XXXX XXXX XXXX after receiving a bill ( not an invoice for charges ). Reporting this information to the Credit Bureau of San Luis Obispo and then mailing it without any privacy security has caused undue harm to me personally. This mail was received first by my next door neighbor, the Credit Bureau of San Luis Obispo and XXXX XXXX XXXX XXXX did not ensure my privacy at all in this matter.
| 5
| 5
| 515,808
|
Mortgage
|
I am filing a complaint against CitiMortgage based on their unwillingness to provide the HARP program to me due to the mortgage is for a manufactured home.
I recently had my monthly take home income reduced from {$10000.00} to {$2000.00} and have a 12 year loan at a XXXX high annual percent rate of 6.25.
I called the CitiMortage customer service telephone number on XXXX/XXXX/2015 and spoke with a person named XXXX ( employee # XXXX ). XXXX said that CitiMortgage considers HARPs as new loans and CitiMortgage does not do a HARP on manufactured housing.
Address of the mortgaged property XXXX XXXX XXXX XXXX, IN. XXXX Loan Number - XXXX If HARP is a federal program to provide assistance than I should be included being eligible.
| 10
| 10
| 923,397
|
Credit card or prepaid card
|
this is a account that I never open or apply for.I file a ftc report, they still with no proof said it was mines, so i file a police report too and the credit bureaus and wells fargo/XXXX XXXX still wont remove it from my credit nor forgive the debt
| 1
| 1
| 322,843
|
Debt collection
|
This company Credit Management LP has accessed my Consumer Credit Report without lawful Authority. I contacted them via facsimile transmission on XX/XX/XXXX. They have not responded. I asked him to send me any documentation that they have that gave my consent for them to pull my credit report and violate my constitutionally-protected right to privacy.
They have not sent any documentation showing that I have given them consent or that I have any kind of previous relationship business relationship with them. In fact, they have not responded at all. I am invoking the office of the CFPB to take any measures necessary to make them correct the violation before I file suit. If they respond with anything relating to accessing my credit report as being a soft " pull '' that will be unacceptable.
An identity theft affidavit and police report will be filed.
| 5
| 5
| 404,199
|
Credit card or prepaid card
|
BarclayCard and I entered into an oral and written agreement to settle a past due credit card account on XX/XX/XXXX. The account was settled in full on XX/XX/XXXX. The representative for BarclayCard ( XXXX XXXX XXXX ) informed me that if I settled the account before the end of that month ( XX/XX/XXXX), that the bank would not report a charge off status to the credit bureaus and any tax liability for the account would be reported for tax year XXXX. Neither happened. Barclaycard is refusing to honor their oral and written agreement. On XX/XX/XXXX, I was to informed by XXXX XXXX XXXXl, a representative from the Office of the President, that BarclayCard would not be complying with the terms of the agreement. The written agreement provided by the bank specifically states '' We will send you an IRS Form XXXX by XX/XX/XXXXof the year following your final settlement payment. '' XXXX XXXX went back and reviewed the call with the collection representative, confirmed everything that he said, confirmed everything I stated was true and still refused to honor it the agreement in place, citing company policy and refusing to provide a direct explanation as to why they will not correct the issue. So now, I am left to deal with misguided and inaccurate IRS documents that this bank knows are not factual, all because they will not honor their agreement. This is egregious conduct by BarclayCard.
| 1
| 1
| 816,132
|
Credit reporting, credit repair services, or other personal consumer reports
|
Consumer agency is reporting a civil record that is fraudulent.
Case # XXXX is fraud. Remove off report
| 3
| 3
| 470,363
|
Credit reporting, credit repair services, or other personal consumer reports
|
I have several unauthorized fraudulent inquiries on my credit report. These inquiries were done fraudulently and without my authority. These inquiries are fraudulent and we're done without my authority.
| 3
| 3
| 43,318
|
Checking or savings account
|
I deposited {$1000.00} into my checking account on XX/XX/XXXX, I then made a check payment for {$1100.00} on XX/XX/XXXX. My checking account reflects the {$1000.00} deposit CREDITED on XX/XX/XXXX which SHOULD HAVE COVERED the check, ALL SAME DAY XX/XX/XXXX. I called customer service on XX/XX/XXXX, they then said they refer to someone else. I spoke with a different customer service department XX/XX/XXXX. Bank states my account was overdrawn, which it was NOT as reflected on online banking DAILY balances. Bank is in error, the {$36.00} fee rightfully should be refunded. The deposited {$1000.00} would have covered everything ( in addition to current ending balance ) which again POSTED on XX/XX/XXXX. I have been with PNC for 30 years! You think alittle customer appreciation would of happened here. I should not have to be spending my time trying to rectify this situation.
| 7
| 7
| 863,094
|
Credit reporting, credit repair services, or other personal consumer reports
|
i recieved a letter from XXXX XXXX XX/XX/XXXX stating they were removing my discharged Bankruptsy from my file, i will attach the letter. I sent this notice to XXXX they deleted, my XXXX Bk from there file. i sent the same letter to XXXX and Equifax. i disputed this item over and over, sent in proof of tne letter fro m XXXX XXXX, the Bk from XXXX still remains on my file. in fact on most of my disputes, the resukts page they are unsure what exactly i am requesting of them. i called XXXX XXXX they said tnat my bk from XXXX has been deleted off their verified system. They were filing a Description of Procedure amd disputing it be deleted from the unverified file system. after learning this i filed another dispute with XXXX and equifax. i received a letter from equifax XX/XX/XXXX i will forward. they explained to me that my bk acct was verified with XXXX XXXX as accurate and would remain on file until XXXX? how can they verify an acct as accurat that has beeen deleted off the verified and unverified ; files? i called Equifax in late XXXX, the associate that answered my call told me they dont even need to forwrd the dispute to the 3rd party verifier as long as it shows that the informatuin at some point was verified? that doesnt seem right? what must i do to get this file deleted off my report. i hope you are able to help with this situation. i also feel that only being able to use 100 and 200 words in a consumer statement to clearly describe a situation hardly enough to have you fully undersdtood
| 3
| 3
| 322,446
|
Credit card or prepaid card
|
Received letter dated XX/XX/XXXX stating my account was closed. Stated possible reason ( s ) account was closed were Low Payments, Insufficient Time Since Account Was Opened, High Utilization On Account or Delinquency In Last 6 Months. None of those factors applied to my account. I made the REQUIRED payments per the billing statements. I did just open the account in XXXX of XXXX but had used the card frequently for home improvement projects. I also paid off the original entire balance we put on it. At the time of closure, I had more credit available than I owed, so I am not sure high utilization applies here. Not to mention, I was never late on a payment. When I reached out to customer service, I was told it was a Credit Bureau decision, but in the XXXX response to my XXXX complaint it was stated the decision was based on an overview of my account and not my credit file. I also filed a XXXX complaint requesting specific details/documentation/dates showing exactly what was used to come to that decision. Not only did Synchrony not provide details or specifics, they did not even respond to the original XXXX complaint by the deadline. They responded 6 days later! Their response was scripted, generic and ambiguous and felt more like they were deflecting and making excuses. I informed the XXXX that I did not accept the response and again requested detailed information and specific events that led to the decision. In the rebuttal from Synchrony, it was more scripted, generic information. All I ask is specific details ; what threw up the red flags to close my account. I also feel that the reasons outlined are false, basically bold face lies and I think as a consumer I deserve the company to act professionally and provide me with the requested information. It is concerning that all I get is generic, scripted responses and the company seems to have no accountability. I do not want to re-open the account or anythingI just want the truththe facts! If I can not be provided details, it lends itself that Synchrony is acting in a fraudulent manner.
| 1
| 1
| 58,268
|
Money transfer, virtual currency, or money service
|
I have been using PayPal to receive payments for Online business and also receiving donation for the charity.
On XXXX XXXX, I received an email from PayPal to send documents, I sent all the required documents. But then I received another email for permanently closing my account.
I contacted PayPal and they refused to give me any information about this.
I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back.
This is the Reference ID : XXXX
| 12
| 12
| 272,953
|
Credit card or prepaid card
|
On XX/XX/XXXX, I made 2 individual orders on the XXXX XXXX with the first order amounting to {$980.00} and the second amounting to {$1000.00}. Both orders included a cell phone trade-in box. After submitting back the phones, a credit of {$400.00} each was promised with the presumption that the phones were in good condition, paid off, and factory reset. On the XXXX XXXX, it is stated that {$400.00} was credited on XX/XX/XXXX, and the other trade-in was credited at {$400.00} on XX/XX/XXXX. The first credit is shown on my SynchronyXXXX XXXX account only on XX/XX/XXXX. The second credit was not posted to my account. Additionally, I had noticed a charge amounting to {$31.00} that I did not recognize with the same order number of the previous 2 orders that I did make. On XX/XX/XXXX I reach out to the online chat with SynchronyXXXX XXXX and initiate the dispute for my missing credit and suspicious transaction. On XX/XX/XXXX I receive a letter indicating that I " have already received the {$400.00} credit on XX/XX/XXXX '' but did not include detail about the other {$400.00} that is missing. I initiated an additional dispute on XX/XX/XXXX to indicate my missing credit along with the unknown charge of {$31.00}. The customer service representative assisted my to make a dispute for the missing credit and indicated for me to call a different number to make a fraud claim for the {$31.00} ; additionally they indicated the dispute balance was not to be calculated into my minimum payment until the investigation was concluded. After making the fraud claim, they indicated it will be reviewed.
On XX/XX/XXXX I contacted the phone customer service support for additional detail and it was indicated that the investigation was concluded and the full balance was due ; additional information related to the " already credited {$400.00} '' went back and forth without consideration for the other {$400.00} that is missing. I requested yet another dispute and received an email letter on XX/XX/XXXX indicated that the dispute was open.
As of XX/XX/XXXX, the full minimum payment is due and an investigation is supposedly ongoing.
Note : My suspicion with the additional charge of {$31.00} is that this is an item within the 2nd order of {$1000.00} that shipped very late and charged an additional time once it was sent out. It is the same total cost with tax, but was already included within the original order.
| 1
| 1
| 81,517
|
Credit card or prepaid card
|
I want to preface this that I filed a claim with Bank of America 's claim 's department on XX/XX/XXXX and I received a letter on XX/XX/XXXX dated and generated XX/XX/XXXX, the DAY AFTER I filed my claim, stating that my claim was closed because it was " the subject of fraud or suspicious activity. '' This tells me that BofA did not conduct a proper investigation and they are automatically closing claims within 24 hours.
My claim number is XXXX in the amount of {$2600.00} account ending in XXXX.
Essentially, {$2600.00} was stolen from my account through 4 fraudulent transactions. These transactions were made in cities I have never been to and locations far away from my home. My BofA EDD card was in my possession the entire time. I was told by a BofA rep when I first filed the claim that they would credit that amount to me in 10 days and perform an investigation, but they closed the claim the day after I filed it. The rep told me that my card was probably duplicated and that the scammers got my number and pin from a skimmer or that the info was sold on the XXXX XXXX. I have since canceled the old card and received a new one in the mail, but I'm having trouble getting Bank of America 's claims department to take this seriously and refund the disputed transactions.
I filed a police report today with the XXXX ( tracking number XXXX ) and faxed that documentation to Bank of America as I'm trying to reopen my claim. Still, the claims department representatives were unable to give me any details or documentation as to why my claim was closed or regarded suspicious or fraudulent. They could not provide me a timeline and told me to call back next week. The number for BofA 's claims department is XXXX. To be honest, I suspect that there has been an internal leak at Bank of America or the EDD because XXXX people have been affected by EDD fraud and the issue has been in the news. An operation on such a large scale is probably not the result of skimmer devices and leads me to believe that there was a data breach or lack of proper security of customer information.
Instead of investigating the claim, BofA closed it even though there should be video footage for the 3 ATM withdrawals and the purchase at the XXXX XXXX in XXXX.
I filed a claim disputing the following 4 transactions that took place between XX/XX/XXXX and XX/XX/XXXX.
Transaction 1 : BANK OF AMERICA XXXX XXXX XXXX XXXX California United States of America XX/XX/XXXX XXXX ATM Cash Withdrawal $ XXXX Transaction 2 : BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX , California United States of America XX/XX/XXXX XXXX ATM Cash Withdrawal $ XXXX Transaction 3 : BANK OF AMERICA XXXX XXXX XXXX XXXX, California United States of America XX/XX/XXXX XXXX ATM Cash Withdrawal $ XXXX Transaction 4 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX United States of America XX/XX/XXXX XXXX Purchase of Goods or Services $ XXXX Total : {$2600.00} Please look into this mishandling of customer claims and help me get this issue resolved. Thank you!
| 1
| 1
| 598,086
|
Debt collection
|
From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Bank Of America. They refuse to provide the necessary information based on above mentioned letter.
| 5
| 5
| 428,283
|
Credit card or prepaid card
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
| 1
| 1
| 680,017
|
Credit reporting, credit repair services, or other personal consumer reports
|
they keep saying its verified but they have not shown proof of account it is not mine
| 3
| 3
| 513,660
|
Vehicle loan or lease
|
on XX/XX/XXXX I a made a payment of {$300.00} to Ally Financial and another payment {$380.00} on XX/XX/XXXX then {$1000.00} on XX/XX/XXXX. since XX/XX/XXXX I was making weekly payment or overpayments up until XX/XX/XXXX then monthly payments thereafter every month. Since XX/XX/XXXX I have made {$4500.00} worth of payments, my payment is {$390.00}. I made two payment of {$400.00} on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. They have been adding late fees once I pay them off the add somemore out of thin air. I write on my checks apply to principal monthly payments not late fees. The lates fees are a scam no basis for them. Now I made for the full amount and they still say I owe {$180.00} and they have been reporting me late all these years and I have made payments every month and some time multiple times. This is stealing and I need some help
| 9
| 9
| 567,576
|
Mortgage
|
My lender keeps on lying and giving false information. I submitted an application for loss mitigation to keep my home but they stated the investor does not offer Modification that is why there was no review made. They accepted the application and now they are telling me that my application cant be reviewed when they clearly said that I have options. They are not helping me at all with situation. All I want is help to save my home and have my application reviewed and modified.
| 10
| 10
| 723,784
|
Credit reporting, credit repair services, or other personal consumer reports
|
I filed chapter XXXX XXXX 2017 the us court, my self, attorney sent notice to XXXX XXXX and all credit bureaus but experian and XXXX XXXX have refused to update 1 Account to show included in Bankruopcy, I mailed court documents to both experian and XXXX XXXX and still they refuse to correct,
| 3
| 3
| 626,297
|
Credit reporting, credit repair services, or other personal consumer reports
|
I was a victim of identity theft. a lot of accounts were opened in my name and it 's still been reported.
| 3
| 3
| 618,947
|
Credit reporting, credit repair services, or other personal consumer reports
|
I disputed a Fraudulent collection account from a company named XXXX XXXX XXXX ACCOUNT # XXXX that was sent out on XX/XX/2022 via certified mail and was received on XX/XX/2022. I was informed to even fax over a dispute as well after speaking to the consumer affairs department. In which I did so as well and under FCRA 605B ( 15 U.S.C. 1681c-2 ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, " NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY. '' I have filed an FTC report as well as all other required documents, as advised by the Consumer Affairs Department. When I call they keep giving me the run around and stated that they have their own rules to abide by and that they are sorry ..... This is not helping my Fraud Issue at all, and they are clearly IN VIOLATION OF MY CONSUMER RIGHTS AND IN VIOLATION OF THE LAW. IT HAS BEEN PAST THE REQUIRED TIME AS STATED BY THE FCRA AND THIS FRAUDULENT ITEM STILL REMAINS. I even did research on the company thru the XXXX and they have thousands of complaints relating to their fraudulent activities!
| 3
| 3
| 452,750
|
Credit reporting, credit repair services, or other personal consumer reports
|
Please work with XXXX to update my Student Loan accounts as paid as agreed and Chapter XXXX bankruptcy deleted from my file. reinvestigate these matters and delete or correct the disputed information as soon as possible. And the 2 public records Chapter XXXX bankruptcy accounts deleted. XXXX is reporting several accounts as being in a chapter XXXX bankruptcy however XXXX XXXX is stating that they have no record of a credit file on me.
Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX.
I previously disputed this public record stating : ''I dont recognize this public record. '' Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record stating : ''I dont recognize this public record. '' XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed.
XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed.
XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed.
| 3
| 3
| 1,027,410
|
Credit card or prepaid card
|
While I was out of the country, my identity was stolen, including SSN, my home address, e.t.c., and based on the stolen information somebody applied and obtained credit card on my name, then got cash advance, transfer this money to someone's bank account, and withdraw cash in amount of {$6500.00}. When I returned to US and got credit card statement, I immediately notified Bank of America. Also I wanted to report to police but they refused to accept my complain without Bank of America affidavit. After several phone calls to the bank fraud department and 6 weeks of waiting I finally received from them the fraud statement form, filled it out and sent it to the address listed on the statement along with required paperwork. Today I received an answer from the Bank of America fraud department that my claim is not honored because they can not verify unauthorized money withdrawal. It is totally outrageous!
| 1
| 1
| 325,379
|
Mortgage
|
I submitted 2 mortgage payments to Ocwen Financial, one on XXXX/XXXX/2016 and XXXX/XXXX/2016. Both payments were not credited to my account until the next day resulting in erroneous reporting to credit bureaus. I made the same payments on another mortgage with XXXX which both were credited the same day. Ocwen is the only company that will not post payment same day resulting in additional late charges and erroneous delinquent credit reporting.
| 10
| 10
| 583,633
|
Mortgage
|
My original mortgage company filed bankruptcy and now shellpoint mortgage has taken over, and today i continue to follow up on having my account reflect the accurate amount I have even provided proof of my payments that were made by money orders but shellpoint continues to send me delinquent notices as if I havent paid I have called and they tell me it takes 30 to 60 days but I keep getting the run around. I paid by money order not check my account should reflect current but they refuse because they said they a debt collector and they trying to illegally take my home on false information. Please help. I have provided proof within this email. I can also send all other emails that I have continued to send trying to get this matter resolved but they keep sending certified mail when they have evidence that my mortgage should reflect current. They will call me stating that they are going to fix the situation but the individual won't put any of what she says she's going to do in writing, which disturbs me. Today they continue to send stacks of mail when payments have been made as required. I have also submitted the XX/XX/2020 payment and awaiting it to post but I understands that takes time. They sent an letter stating what was due, when you add up what they stating was missing it was the money orders that they say they can't allow to reflect on the account until they speak with XXXX, this wouldn't be an issue if information was sent within a timely manner informing me of the changes and whom to send the payments to, instead they are now doctoring documents trying to make it as if I owe something when I don't have shown how documents sent out are inconsistent and full of fee 's that shouldn't he paid these payments in question by money order, but still charged an NSF charge. This doesn't make since, when I speak with them verbally they tell me things like disregard the bills coming or don't worry about it and we are working on it, we are going to fix this, I'm sorry your going through this, we are going to make this right, we are going to fix your credit with all the credit agencies and remove the late payments and all the NSF charges. The manager was able to determine while my dad was late at times he never missed his payments and according to what it's reflecting he owes and what has been provided as proof my dad owes nothing but XX/XX/2020 payment and that has been mailed off. Today XX/XX/2020 nothing is fixed and I have an another verbal appointment with them tomorrow between XXXX and XXXX eastern time for them to verbally tell me what they refuse to put in writing. If it wasn't for the emails that reflects this unprofessional pattern of business they would have never communicated with me and they would have continued providing me the run around.
XXXX XXXX XXXX
| 10
| 10
| 318,935
|
Credit reporting, credit repair services, or other personal consumer reports
|
I demand the deletion of the fraudulent account and inquirie listed below which all resulted from the Reported Incident of Identity Theft.
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX 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 )
| 3
| 3
| 724,407
|
Credit reporting, credit repair services, or other personal consumer reports
|
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
| 3
| 3
| 174,319
|
Student loan
|
I have a breach of contract borrowers defense to repayment with documentary evidence. My student loans are in good standing with Navient. Navient refuses to place my loans in forbearance.
| 0
| 0
| 781,609
|
Student loan
|
In 2004 the for-profit college XXXX XXXX XXXX XXXX and XXXX scammed me. I intentionally misled first by the recruitment department and then by the financial aid department. When given the sales pitch of what the institution offers, the recruiter failed to mention that the institution lacked regional accreditation, which I later found out meant my credits were non-transferrable. To add insult to injury, the financial aid department led me to believe that any unspent loan dollars would carry over to the next semester, which in essence would mean that the maximum loan amounts would not be taken out each semester. It was n't until I completed the program, that I later found out the maximum loan amounts had been taken each semester ... even the semesters I had not spent the entire loan amount and once the recruiter resigned from his position, he later called everyone he recruited to inform them of the lack of accreditation. What confused me most was during the exit interview when I was informed that my loan amounts exceeded the program cost. When I asked how that was possible even with me receiving XXXX grants? I was told to be grateful for what I owed because some students have left the exit interviews in tears once they were told what they owed and the exit interviewer also explained that they were told by other students that financial aid had provided them with misleading information as well, but still I was not given an answer as to how this matter would be resolved. Now here I am years later required to re-pay student loans on a degree I could not utilize, forced to start my academic studies completely over as a new student because employers deemed my degree worthless and the credits are n't recognized by the regionally accredited institutions. Any assistance with resolving this matter would be greatly appreciated.
| 0
| 0
| 1,019,230
|
Credit reporting, credit repair services, or other personal consumer reports
|
I disputed 2 public records that were appearing on my XXXX credit report. My repeated disputes have gone unresolved since XXXX of this year. I am now requesting further assistance from an outside source. I am requesting to have two public records immediately removed from credit file. XXXX originally deleted the two public records on XX/XX/19 from my credit file. However on XX/XX/19, both public records were reinserted without the proper legal notice being mailed to me. Per FCRA Section 611, if any information has been deleted from a consumers file is reinserted, a consumer reporting agency shall notify the consumer in writing not later than 5 business days after the reinsertion that the information was reinserted. I was not indicated via mail nor electronic delivery that the two public records were reinserted. I have been disputing this information every 30 days since XXXX and I have gotten no where. In fact I have spoke to several XXXX dispute resolution specialists, who each give significantly different responses pertaining to the investigation. I feel as if the consumer reporting agency, XXXX is purposely not removing incorrect information. This is discrimination and illegal.This is causing significant damage to my credit file and my ability to obtain credit. I am requesting to have both bankruptcies, chapter XXXX and XXXX removed, in addition to all accounts that are associated with the bankruptcies, to be removed. My reason to dispute this is that all the information appearing on my credit file pertaining to the public records is false. The address to the court house in XXXX XXXX of TN is incorrect, the case number is not a valid case number and XXXX sent fraudulent investigation results via mail stating they verified via directly with Court, who sent a response denying such. I contacted the XXXX County XXXX XXXX here in XXXX, TN who indicating that the bankruptcy court can not report any information to the credit bureaus as it is illegal. Thus, I can not believe any information that XXXX sends as a part of my re investigations, because they have used illegal practices. Please require XXXX to remove the bankruptcies immediately.
| 3
| 3
| 262,216
|
Debt collection
|
I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties.
Acts 1986, No. 1031, 1.
civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!!
The following accounts listed on my transunion as follows National credit systems- I havent lived in XXXX Arizona , they cant provide proof of a lease or a drivers license with my signature. Over 3 years old per my state that I have lived in for 5 years ( Louisiana ) I have contacted this creditor no response I disputed with credit bureaus 3 separate Times to validate these debts which they found and deleted and some home this account is on my credit again for the 4th time with a different age date. No contract
| 5
| 5
| 416,867
|
Credit reporting, credit repair services, or other personal consumer reports
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
| 3
| 3
| 732,610
|
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. It has been over 60 days later, and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states 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 XXXX data breach, and may have gotten into the hands of the wrong person.
| 3
| 3
| 626,568
|
Credit reporting, credit repair services, or other personal consumer reports
|
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
| 3
| 3
| 602,017
|
Credit card or prepaid card
|
My XXXX statement from Best Buy had a charge on it that I did not make. I called the company and explained to them about the charge. They said they would investigate. On XX/XX/XXXX I received their findings by mail. Even though I do NOT know the lady that made the purchase, her mailing address or her email address, Best Buy said I was still responsible for the the purchase, which was for two watches bought from XXXX XXXX on XX/XX/2022 in the amount of {$1100.00}. None of the lady 's info is linked to my credit card and I never gave her permission to make the purchase. I don't think I should have to pay for something I didn't buy or authorize someone else to buy. Any help or info would be appreciated.
Best Buy Credit Services XXXX XXXX XXXX XXXX XXXX. MO XXXX
| 1
| 1
| 165,657
|
Credit reporting, credit repair services, or other personal consumer reports
|
It is being reported that I had three 30 day late payments from XXXX, following two 60 day late payments from XXXX. Additionally it was reported that I had 2 60 day late payments in XXXX, when there were two on time payments made in XX/XX/20 and XX/XX/20. Additionally there were a XXXX day late payment reported after two 60 day late payments reported in XXXX. This sequence of on time and late payments are not Possible. There is no possible way to have an on time payment followed by two 60 day late payments. This payment skipped the 30 day supposed late payments and further damaging my report. Delete immediately.
| 3
| 3
| 1,042,389
|
Mortgage
|
Bank of America Home Loan became owner of my XXXX XXXX XXXX XXXX loan when XXXX XXXXXXXX was in trouble. Loan type : 30 year Conv Adj Rate, 27 years 5 months/Interest rate 6.125 % ; first time home buyer XX/XX/XXXX.
XX/XX/XXXX I was able to refinance at a 24 year and 11 month adjustable, interest rate 3.375 %.
In XXXX I applied with B of A Home Loans endlessly for both a mortgage reduction, when refused I tried refinancing my existing loan to a fix rate interest. Spent hours submitting documents ( which were lost more than once ) speaking with representatives, email, standard mail, B of A Home Loan Portal correspondence. After months I finally gave up trying.
My current adjustable interest increased in XXXX and XXXX.
My payments have increased from $ XXXX in XXXX, to $ XXXX in XXXX, to my current payment of $ XXXX.
Clearly an adjustable interest means my payments have increased and will continue to do so.
Had B of A Home Loan wanted to help me when I first approached them, I wouldn't be in this situation.
My honest feeling is that B of A wants me to foreclose on my property to reap the financial benefits. Their representation has been less than stellar. XXXX XXXX is the last representative I tried to work with.
| 10
| 10
| 263,469
|
Credit reporting, credit repair services, or other personal consumer reports
|
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.
XXXXXXXX XXXX # XXXX XXXX XXXX, TX XXXX XX/XX/2012 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX DP OF EDUC XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$940.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
| 3
| 3
| 361,135
|
Debt collection
|
XXXX XXXX XXXX called me regarding a check n go payday loan from years ago. They sent me a verification letter of debt attached below with the wrong address. I was scared because they kept calling and insisted they can lower the debt and I only have to pay {$1000.00} instead of {$3700.00}. I just cleared the loan in XXXX and tried to call back this legal mediation company through all the numbers I can find starting off with the number provided to XXXXXXXX XXXX and then the one on the letter. It advises to leave a message. I left a message two months ago and there was no response. I am trying to retrieve a confirmation notice stating the debt has been resolved. After searching the company online and reading through that this company is fraudulent and a scam, I feel the need to report them because this is not fair. I paid my debt to scammers and we need to put an end to them.
| 5
| 5
| 355,657
|
Debt collection
|
2017 debt owed to XXXX XXXX XXXX XXXX ( acct # XXXX ) of {$1000.00}. Went to collection with XXXX ( acct # XXXX, ref # XXXX ). They offered a settlement of {$810.00} which I paid XX/XX/2017 ( confirmation of payment # XXXX ). I have been getting periodic letters of collection for {$200.00}, the amount that was forgiven with the settlement ( XXXX ). I have received periodic letters of collection for {$200.00} over the last 3 yrs. On XXXX I spoke with XXXX XXXX. After 90 min on the telephone they confirmed that I did not have an open account with them and that they received the payment from XXXX on XX/XX/2017. XXXX XXXX XXXX also told me that they could do nothing to resolve the acct because it is closed and that I would have to call XXXX to resolve. I have called XXXX numerous times only to get a recorded message. ( Good luck to me its is a pandemic ) My latest collection is from ERC for {$20000.00} ( XXXX XXXX XXXX XXXX acct # XXXX, ref # XXXX ) Frustrated and angry!!
| 5
| 5
| 739,282
|
Credit reporting, credit repair services, or other personal consumer reports
|
Equifax Credit File Reporting : Violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 1. Several mistakes on my credit report appear minor, but I was told they are affecting my credit score and costing me money.
Equifax 2.XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language, Charge_off to describe a paid in full as agreed, is damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed.
XXXX XXXX7 ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid-in-full as a charge_off damages a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed.
XXXX XXXX8 ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid-in-full as a charge_off damages a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed.
| 3
| 3
| 234,769
|
Debt collection
|
In the XXXX XXXX at XXXX XXXX XXXX, we did NOT sign the clauses agreeing to pay any expenses beyond what insurance pays. We are only liable for what insurance has already paid XXXX XXXX XXXX.
Even knowing this, XXXX hired Medicredit , Inc. debt collector to hound us. I talked to Medicredit asking them to provide proof of debt. I received a letter in the mail yesterday simply saying that " Medicredit , Inc. determined that the balance on the account is accurate and is your responsibility. '' I just called them and spoke to " XXXX '' and informed them that this letter is not proof of debt. I requested for a XXXX time that they provide the document I signed agreeing to pay any expenses BEYOND what insurance pays. They said they don't have access to those documents. Of course, they can't provide it anyway because I did NOT sign those clauses in the ER docs.
When I suggested that I'll need to escalate this to the CFPB, she immediately hung up on me.
| 5
| 5
| 75,428
|
Credit reporting, credit repair services, or other personal consumer reports
|
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
| 3
| 3
| 140,764
|
Credit reporting, credit repair services, or other personal consumer reports
|
Couple different items occurred with Select Portfolio Services. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report.
Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow.
Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error.
Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data.
It looks a lot like Select Portfolio Servicing is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.
| 3
| 3
| 275,657
|
Checking or savings account
|
Good morning, on or about XX/XX/2022, there were several fraudulent withdraws made from two of our checking accounts. Our bank is Chase Bank. These withdraws totaled approximately XXXX.
There were withdraws from one account of XXXX, XXXX and XXXX. The other account had withdraws of XXXX and XXXX.
All of these withdraws were made without our knowledge by someone we do not know. We did alert Chase Bank immediately upon learning of these fraudulent transactions. Let me tell you, this has been a roller coaster ride given to us by the Bank.
First, they did credit one account back the XXXX, XXXX and XXXX. However, they then reversed the XXXX and XXXX transactions, without notice. They STILL have not even addressesd the other account or the fraudulent activity, rather, they r putting the onus on us to show they were not made by my husband or myself. Let me add, we have been customers of Chase Bank for over 30 years. They were XXXX XXXX and XXXX XXXXXXXX over the course of those years. At one time, we would be alerted immediately to any questionable transactions to our accounts. All of these withdraws were absolutely questionable. As those type of withdraws are not normal, ordinary or customary for either of these accounts. We did make a police report, who also made the observation that these were very out of the ordinary, looking at our history.
I am asking, pleading, begging for some assistance here in helping us to convince the bank that these transactions were not made by us and we need to have our accounts made whol. Bringing them back to where they were before this occurred. We have been met with consternation and more than questionable customer service. They have, in essence, called us liars and theives!
Please, if you have any ability to look into this situation in order to have our funds credited back to the accounts in question, I would be more than grateful.
Regards, XXXX XXXX XXXX
| 7
| 7
| 74,483
|
Credit card or prepaid card
|
On XX/XX/XXXX, I charged {$44.00} and {$14.00} at XXXX XXXX. the first of XXXX, I noticed the two unidentified charge one for {$100.00} at XXXX and one for {$100.00} at XXXX. I immediately contacted American Express and reported the activity. That contact was XX/XX/XXXX, or later. I was told that they identified it as fraud and 30 days they will correct my account. They removed the {$100.00} from XXXX, but not XXXX. They also replaced my credit card. on XX/XX/XXXX, I noticed that the XXXX {$100.00} charge was on my and and I contacted American Express. On XX/XX/XXXX, they credited my account with the {$100.00} from XXXX. On XX/XX/XXXX, American Express reapplied the XXXX charge and indicated that XXXX provide an unsigned receipt to show prove that the purchase was made, despite the fact that while the charge was being made, I was at home on the phone with American Express reporting it. Every month since this charge I contacted American Express and on XX/XX/XXXX, XXXX indicated that after looking at the charge, they mislabeled it as a dispute and not a fraud and she will fix it in 30 days. She provided me with a ref : # XXXX. On XX/XX/XXXX, I spoke with American Express Fraud Rep. XXXX and she told me that they will not be able to help clear up there mistake.
| 1
| 1
| 494,374
|
Debt collection
|
I have recently encountered a collection agency by the name of First Fed Credit Control on XX/XX/XXXX that I believe belittled, berated me and downright disrespected me. I happen to be checking my credit report because I am in the process of trying to buy a home and I noticed my score dropped due to this collection agency so I called them to see if I could get this matter resolved. So, I informed the representative XXXX XXXX that I noticed this on my report and that I was in the process of trying to buy a house and wanted to get this resolved told her the bill was from XXXX and I had no knowledge of it but I did want to get things resolved, I asked the representative for a settlement she then stated to me it appears I am not in a hardship because I am buying a house and that doesnt seem like a hardship to her. I then went on to tell the rep I could not afford the whole thing I am XXXX and a single mom of XXXX and that I can hardly afford the house and that I was getting down payment assistance so I did not have the funds. She then said how dare I call them asking for a settlement and that I should pay my bills we then begin to exchange words because at this point I felt like she was just being rude. I said I was going to talk to my lawyer about this because I felt it was not right the way she was talking to me she pretty much exploded asking why am I calling a lawyer its my debt nothing is going to happen about it I need to pay it and at this point she is just yelling things at me. After us exchanging words for a few I asked for her supervisor she transferred my call and I spoke to the supervisor who was a little nicer but still a little snippy at this point I was telling the supervisor how I was treated and told her it wasnt right for me to get disrespected especially when I was just trying to get things resolved. The supervisor didnt care and pretty much just wanted me off the phone didnt apologize at all for the way I was treated she even stated they are not customer service based they are a debt collector. I called back the next day because I was still in awe of all that transpired but I needed a fax number as well as the previous reps I spoke to information because I wanted to file a complaint on the way I was disrespected they gave me that information and I said I was going to contact the Attorney general, The BBB as well as the FDCPA the rep then said to me make my complaints they will answer any and dont call there office anymore and hung up on me. I called back and stated someone just hung up on me can I speak to a supervisor she then said no one in our office will speak to you and hung up on me again. I then called back asking for an account number as well as a balance and they told me unless I am calling to make a payment dont call, told me I should have better things to do with my day then calling them if I am not paying the bill. This whole ordeal has turned into a nightmare over {$300.00} all when I just wanted it resolved but I refuse to be disrespected or talked to any kind of way I dont think its right and the fact that Im buying a house discriminates me from getting a settlement which seems odd to me because they dont know my situation I am trying to get assistance from HUD because I am low income. I just think something needs to be done because if they treated me that way I can only imagine how many others they have done the same way I am human and we all have things that we dont mean to happen but they do, but talking to me less then and dehumanizing me and then saying I need to pay or dont call doesnt make me feel comfortable with giving someone my money. I never in life have experienced this type of treatment from a place of business I have dealt with collection agencies in the past and this by far makes me never want to contact one again this has been a complete nightmare.
| 5
| 5
| 615,520
|
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXL XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX & XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ONEMAIN Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXT ACCEPT Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXA Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of XXXX : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
| 3
| 3
| 26,879
|
Debt collection
|
Debt collector " Roosen Vaerchetti & Olivier - XXXX PLLC '' attempting to collect on invalid debt.
| 5
| 5
| 889,757
|
Mortgage
|
Mr. Cooper sold our mortgage to XXXX XXXX in XXXX of XXXX. I did not receive the new account info from XXXX in time to timely make the XX/XX/XXXX payment. Knowing that Cooper would forward the payment on to them as required, I let the scheduled payment to Cooper go through. This was an attempt to not be late on any payment.
Cooper received the payment on XX/XX/XXXX. They did not forward the payment to XXXX but refunded back to my bank account on XX/XX/XXXX. They did this without any notification to me whatsoever. Thinking this payment was made resulted in XXXX dinging my credit for late payments. I, along with XXXX XXXX, I have attempted to get Cooper to account for this issue by contacting them in XXXX. They opened a case on the issue but have not produced anything. Phone calls to them are confusing as we have been given conflicting information every time we have called. Case # XXXX, opened on XX/XX/XXXX, is the Cooper case. Additionally I have been emailing XXXX XXXX at XXXX with information and for status updates with no response. Cooper sent a letter asking for an additional 15 days to review this issue more than a month ago and an ambiguous email last week that in no way addressed the the issue.
XXXX has stated that a letter from Cooper stating that they did receive the payment and failed to notify me of the refund will go a long way to the removing the missed payments on my credit report. Cooper failed to follow their own policies on this which negatively effected our credit scores.
| 10
| 10
| 807,763
|
Mortgage
|
On XXXX XXXX, 2015, my wife and I applied for a Home Equity Line of Credit with the local ( XXXX, GA ) branch of Wells Fargo Bank. The application was sent to Wells Fargo 's central loan office for processing and a XXXX XXXX was assigned as our loan officer..
On XXXX XXXX, we received an email from XXXX XXXX informing us that our application was declined and that we would receive a letter explaining this decision within 10 - 14 days.
As of XXXX XXXX, 2015 we have received no such letter or explanation.
In addition to being a violation of the Fair Credit Reporting Act, the lack of any explanation places us in a difficult position since we would like to apply to another financial institution for a HELOC but are reluctant to do so until we know why our first application was declined so that we can take corrective action.
| 10
| 10
| 433,776
|
Money transfer, virtual currency, or money service
|
Ive sold a gold necklace through XXXX. Bought by XXXXXXXXXXXX ( XXXX XXXX Order number : XXXX, Order placed on Friday, XX/XX/2020. Payment method PayPal Payment date Friday, XX/XX/2020 Transaction amount {$1300.00} USD Transaction ID XXXX I've shipped the merchandise, received confirmation of delivery in XXXXXX/XX/XXXX on XX/XX/XXXX. On, XX/XX/XXXX. Ive received an email of the buyer, stating that //XX/XX/XXXX- Hi XXXX I did finally receive the package today. My adress to XX/XX/XXXXXXXX is just my US mail adress, and XXXX XXXX is a shipping company who specialize in shipping between the US and the XX/XX/XXXXcountries, I live in XXXX - XXXX. That is why it took longer time before receiving it. I haven't opened the package, because I can feel that there is nothing inside. When we use a touch to light throgh it, can we see that there is only a paper there, no necklace '' // ( transcript of email exchange ). I questioned about it, for I had received the confirmation of delivery and questioned for I had sold a piece to XX/XX/XXXX not XXXX. She immediately placed a hold on the payment made through PayPal, even without disputing anything in XXXX. On XX/XX/XXXX I've escalated to the PayPal to resolve the issue. And made a complaint with FTC, made an IC3 Report as well, requested confirmation of delivery from USPS, and all the mentioned documents where sent to PayPal. The decision was made in XX/XX/XXXX, in favor of the buyer, and I've appealed immediately, having the decision reverted in my favor in the same day, and was told the credit would appear on my account in few days. On XX/XX/XXXX I got in touch one more time, for the credit still was not showing on my account, and was told that I had lost. That the decision was for the buyer. I once again questioned the decision, and explained, that I had not entered an international contract, and if I had the desire to sell to international buyers I would have opted to do so in XXXX, and that the buyer used of bad faith, when purchasing the necklace, knowing that she would have the merchandise exported in my name to XXXX, without my consent, that my part of the agreement I had entered into, was accomplished, I have proof from the USPS of the delivery of the goods, and that any responsibility she has assumed in forwarding the merchandise overseas, was not of my responsibility. But no one listens, or reads the documentation sent. I've requested even to speak with the Ombudsman, which they never gave me the contact. I still tried contact with PayPal over the phone - more than XXXX hours waiting - send messages on XX/XX/XXXX, XX/XX/XXXX. They promised to get back but it is not working.
PayPal Case Not as described - claim Case ID : XXXX The buyer reported that the item they received wasn't as described. Weve placed a hold on the transaction amount until this case is closed.
You escalated to PayPal Please I need your help.
| 12
| 12
| 634,284
|
Credit reporting, credit repair services, or other personal consumer reports
|
Transunion customer service would not help and take care of the negative inquiries on my report.
1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XX/XX/XXXX
| 3
| 3
| 767,721
|
Payday loan, title loan, or personal loan
|
Sorry for the delay but CFPB must see the " shallow '' response from XXXX XXXX. Again, I submitted to CFPB a copy of the payment schedule as well as the contract via net credit. with my last complaint for CFPB 's view. I am not paying a " lower '' but a higher interest when the terms of my loans were changed which does not reflect anywhere on my contract. CFPB has been silent in this ongoing complaint against this company and I would like to see what you think. I have no " amortization '' sheet! I am going by my contract which does not at all include that the company may " change '' my loan term and charge me at a higher interest rate! I did not agree nor " sign '' to the changing of my loan especially to pay added interest because this company appears to be " A predator lender! '' Make no mistake I will not stop until things are made right and there are laws that actually protect consumers from this type of lending!
| 14
| 14
| 251,602
|
Credit card or prepaid card
|
account was closed and resolved years ago, however this remains on my report.
| 1
| 1
| 788,110
|
Credit reporting, credit repair services, or other personal consumer reports
|
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
| 3
| 3
| 29,875
|
Credit reporting, credit repair services, or other personal consumer reports
|
I applied for a credit card anyways rejected because I was unable to get Experian to lift my credit freeze.
| 3
| 3
| 292,184
|
Credit reporting, credit repair services, or other personal consumer reports
|
I am XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the item listed below still remains on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the account below : ( XXXX XXXX XXXX )
| 3
| 3
| 1,033,017
|
Credit reporting, credit repair services, or other personal consumer reports
|
My name is XXXX XXXX. I have fraudulent accounts on my consumer report. I sent my FTC report.
| 3
| 3
| 453,419
|
Credit reporting, credit repair services, or other personal consumer reports
|
The XXXX XXXX XXXX XXXX ( XXXX ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( XXXX, XXXX, and Experian ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX XXXX for this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the XXXX XXXX XXXX XXXX have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the XXXX is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, XXXX four-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.
| 3
| 3
| 151,413
|
Debt collection
|
I lived in an apartment building for a little over 1.5 years. I paid a security deposit, and upon moving out was sent a bill for an extraneous amount of repairs to improve the apartment to a condition better than the original state of the apartment I moved into. I consequently contested the claims in writing via certified mail. The property management company sold the debt to a collection agency without a valid claim to the debt owed. Prior to the debt being sold to the collection agency, I wrote to the landlord, within 10 days of receiving the claim, disputing the charges and requesting money back from my security deposit, per Florida statues. I did not hear back, and the debt was sold off to the collection agency. My concern is that this will impact my credit score, and I have been diligent about maintaining it.
| 5
| 5
| 696,008
|
Money transfer, virtual currency, or money service
|
Venmo sent me XXXX for opening an account with the and I was trying to transfer the money to another debit card and I did not see the teeny tiny fine print stating that the rules on some financial institution that if rejected money is lost. Not refunded. I want my money back. XXXX XXXX. XXXX. Happened in XXXX
| 12
| 12
| 62,330
|
Debt collection
|
I WAS ASKED TO PAY THIS DEBT WHEN I WAS ON UNEMPLOYMENT INSURANCE Benefits AND NOW THATI DO N'T EVEN HAVE UNEMPLOYMENT INSurance Benefits and just the SNAP BENEFI=ST.\
| 5
| 5
| 731,548
|
Mortgage
|
I was in a Chapter. XXXX Bankruptcy and fell behind on my mortgage payments by 3 months. The mortgage company sent for a dismissal of my bankruptcy on XX/XX/XXXX if I didn't pay the three months immediately. So to avoid getting dismissed I paid all three payments at one time on XX/XX/XXXX. They still certified the dismissal of my bankruptcy even tho I paid all three payments within the 30days. When I call to speak to the mortgage company no one can give me a answer on why they did that. My bankruptcy attorney said they should have pulled the dismissal ounce I paid> Every time I call the mortgage company they avoid the issue by putting me on hold until I hang up. On XX/XX/XXXX I was put on hold for a hour and eight minutes with out anyone coming to check in on me or anything before they just hung up on me. I have called and ask to speak to a supervisor to try and get some answers and help and every time they tell me one will call me back within 24 hours and no one ever does. I asked to speak to a supervisor on XX/XX/XXXX and I never got a call back. Now they are sending me demand letters that I bring the account current for XXXX and XXXX payments or else they will foreclose on me> Since I have just made 3 payments in XXXX its hard for me to pay two more payments this month. So I just have one payment set up for the XXXX of this month to pay XXXX and sent in a loss mitigation assistance package with supporting documents like bank statements and they say they wont accept my bank statements because I got them from my bank online. So my main complaints is that they got my Bankruptcy dismissed after I paid the amount I was told to pay and that I cant get a supervisor on the phone and they keep putting me on hold for over a hour and then just hanging up on me.
| 10
| 10
| 977,433
|
Credit reporting, credit repair services, or other personal consumer reports
|
I came across one account two inquiries and two addresses that i do not recognize and was use without my knowledge Account : XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
| 3
| 3
| 267,430
|
Mortgage
|
In XX/XX/XXXX, we submitted documents for a Short Sale to Fay Servicing. Fay Servicing communicated to us regarding the short sale for several months, and a complete short sale packet was confirmed received shortly thereafter. After the thirty day timeline that Fay Servicing had to respond to us had passed, I followed up several times for status over the telephone, and by email on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. A week later, on XX/XX/XXXX, I received a response from Fay Servicing 's representative, stating that the current offer was denied, without counter offer. That same day, I requested a full explanation and appraisal report. The representative asked if I was talking about a {$45000.00} offer on the property, and informing us that their BPO came back at {$280000.00}. I corrected him, directing him to the {$270000.00} offer in the file, and asked him to resubmit the accurate information to the investor for their review. I followed up on XX/XX/XXXX by email. On XX/XX/XXXX, the representative confirmed the file had been submitted to the investor for review, and requested further documents. We discussed the documents and ultimately provided them, however, on XX/XX/XXXX, the representative stated that the investor has countered at {$370000.00} - a {$90000.00} increase over their own valuation of the property. I challenged this and supplied further documentation, and was informed that on XX/XX/XXXX, the investor denied the offer and is demanding the property be relisted at {$370000.00}, despite the {$280000.00} valuation they hold on the property. We found that the net proceeds they are seeking through these actions reduce the short sale write off to less than {$5000.00}, but risk their borrower losing their home to foreclosure in the process. We believe these actions are in bad faith and violate the spirit of the negotiation process.
| 10
| 10
| 373,179
|
Debt collection
|
I live in nys, I did n't know that payday loans were illegal here until today, a few years ago I took out payday loans to help me with bills and have had a lot of financial issues since then anyway I get a phone call today and was left a message about I need to call American credit financial back in 48 hours there are XXXX fraudulent checks in my name, I call back and its about a payday loan then this man proceeded to tell me someone is coming to my home on Friday XXXX XXXX 2016 to give me a letter that I owe XXXX and if I do n't respond then the sheriff in my county will serve me the papers and then I will have to go to court and judgement will automatically be XXXX dollars and he was from legal dept I told him I would call him back tomorrow he said his name was XXXX XXXX and he said the call I got was from XXXX XXXX a courier if I do n't call him something else will happen I do n't remember what he also said the conversation was being recorded, now mind you I tried to contact this lend me now payday company a couple of years ago number was out of order and like I said I did n't know that these payday loans were illegal in nys what can I do now
| 5
| 5
| 1,031,422
|
Credit reporting, credit repair services, or other personal consumer reports
|
This is my 3rd 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CREDIT/XXXX F XX/XX/XXXX ; XXXX MOTORS XX/XX/XXXX ; XXXX CREDIT/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX AUTO XX/XX/XXXX ; XXXX XXXX AUTO FIN XX/XX/XXXX ; NXXXX CAR XXXX XX/XX/XXXX ; XXXX FL XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
| 3
| 3
| 13,538
|
Credit card or prepaid card
|
On XX/XX/XXXX I paid my credit card off in full. {$1400.00} which brought my card to a XXXX balance. I hadnt used the card in over a month. Then suddenly on XX/XX/XXXX Capitol one charges me {$22.00} for an interest fee. No other purchases were made!! Interest on WHAT? A XXXX dollar balance? How can you charge someone interest on XXXX DOLLARS? So I paid them and canceled the card. This is a total scam.
| 1
| 1
| 624,735
|
Checking or savings account
|
On XX/XX/XXXX at approximately XXXX I went to use the outside ATM outside of Chase Bank located XXXX XXXX XXXX XXXX TX XXXX. As I put my deposit of {$1400.00} ( 14 {$100.00} and 1 {$20.00} ) the machine begin to go black, and came up with a message that stated out of order. I didn't receive any form of receipt.I went into the Branch and spoke with the Branch manager who filed a claim with the claims department XXXX and provided me a claim number. She informed me I would have the funds by the end of that business day XX/XX/XXXX. At approximately XXXX that same dayXX/XX/XXXX I contacted the claims department and spoke with a gentleman who informed me I would have the funds by the end of the day XX/XX/XXXX. On the morning of XX/XX/XXXX I checked my acct and it was negative {$80.00} due to bills coming out of my account. AT XXXX XX/XX/XXXXI contacted the claims department to see why the money wasn't in my acct as I was informed by 2 separate individuals that it would be there by end of day of XX/XX/XXXX. He then proceeds to tell me because of the high dollar amount it would be in there by the end of this business day of XX/XX/XXXX. Then before the call ended he stated the claim closes on XX/XX/XXXX so I asked does that mean I won't get the deposit until XX/XX/XXXX and he stated yes. So I asked well why did you just tell me I would have it by the end of the day XX/XX/XXXX. At XXXX that same day XX/XX/XXXX I went back into the original branch where the error occurred and spoke to the assistant branch manager who contacted claims department who wanted to speak with me and she stated it would take 96hours for me to get a provisional credit and there is nothing else she can do to assist me. On XX/XX/XXXX I contacted the claims department back and spoke with another individual who informed me it would take up until 10 days for me to receive the funds. So at this point my frustration has kicked in because how do you run a business where your machine malfunctions and there is nothing you can do to help your customer while you fix your issue. So I am suffering with no money for who knows when due to your error. The biggest issue is that no one in the company is on one accord. Every time I speak with someone it's a different timeframe. I have no idea what to do because clearly CHASE doesn't know what they are doing. I feel this situational has been handled both unprofessionally and very irresponsibly. So now I have to suffer without money to provide for me and my son while Chase suffers no repercussions and all they can tell me is there is nothing they can do for me. What is a provisional credit for if I have to wait 10 days until the claim is settled. At that point the investigation should be concluded. I am very upset and disappointed with how CHASE has handled the situation seeing as though them and their malfunctioning machine is at fault. I sincerely hope you can help me with this unfortunate situation and prevent anyone else from experiencing this.
| 7
| 7
| 277,005
|
Credit reporting, credit repair services, or other personal consumer reports
|
Over the course of the past several months, I've consistently been in contact with Experian consumer reporting agency regarding several fraudulent accounts being reported to my consumer credit file. I've sent numerous letters disputing the validity of these accounts which included a copy of a local police report that was filed by myself. The police report that was included, listed the accounts that were in question and established without my knowledge or consent. Under the Fair Credit Reporting Act section 605b, Experian continues to violate my consumer rights by continuing to report the fraudulent accounts to my credit file after being notified of the information resulting from identity theft and failing to block the information within 4 business days of notification. This situation has caused a major burden on my current financial situation and been detrimental to my creditworthiness. I have been unsuccessful in my previous attempts in trying to resolve this matter with Experian and plan to pursue litigation as a final result if necessary. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are the accounts that are in question and should not be appearing on my credit file due to identity theft.
| 3
| 3
| 281,511
|
Checking or savings account
|
For over 40 years, my father Mr XXXX XXXX XXXX has been a loyal Bank of America customer. In recent years he added my sister XXXX and myself as signatories to his account. This is an account he has used mainly to deposit his lifetime savings, it's not an account with a large number of transactions.
In XX/XX/2020 he found that all his savings had been withdrawn from the account without his knowledge. After contacting the banks fraud claims team and a lengthy investigation, the funds were reimbursed to his account. To prevent any possible future fraud taking place, additional measures were implemented ; his voice was needed to request any changes or give the bank any instructions. He Insisted in not having an ATM card, as he only manages the account with his checkbook. To his surprise, in XX/XX/2020 the account was emptied again. We have found that a card was issued on my name, delivered to an address in XXXX FL and then used in cash machines in XXXX. We never requested a card, have never provided an address in XXXX and have never had an ATM card for this account.
After 6 months of continous emails we had received {$60.00} of the total of {$70000.00}. See the detailed of the withdrawals attached.
I would really appreciate it if you could guide us to someone in the bank who could own the resolution of this case. As you can imagine, for an XXXX year old person, this situation creates levels of stress which are not healthy.
PD : Attached is an XXXX sheet with all the withdrawals made from the account with the atm card that sum sometimes {$3.00} in just one day.
Sincerely, XXXX XXXX
| 7
| 7
| 999,274
|
Debt collection
|
On XXXX/XXXX/XXXX I was trying to buy a house and my mortgage company asked me about this collection company in the amount of XXXX dollars and I did know who they were so I called and asked that they send me verification if the debt and I called them back and told them that their was no where on this information was my signature and that I did n't owe them anything and for months I have been trying and disputing the information to the credit bureau, one company equifax removed it but the other two refuse to remove it so now I ca n't buy a home because of this company.
| 5
| 5
| 739,486
|
Debt collection
|
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT.
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT.
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.
| 5
| 5
| 594,578
|
Credit reporting, credit repair services, or other personal consumer reports
|
Company has not responded to invoice and has not delete inaccurate accounts off of my credit report
| 3
| 3
| 947,954
|
Credit reporting, credit repair services, or other personal consumer reports
|
I have attempted to resolve this issue with Experian for several months. Experian continues to violate the Fair Credit Reporting Act by reporting a bankruptcy on my credit report after they have failed to provide 100 % accurate verification. Experian has not provided who or what means of verification they received to continue to report this inaccurate information to my credit file. I spoke with the local courthouse and they informed me through letter that they did not report any information to consumer reporting agencies. This inaccurate reporting is causing a major hurdle to my current financial well being and I would like this matter resolved promptly.
| 3
| 3
| 482,572
|
Debt collection
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
| 5
| 5
| 123,784
|
Mortgage
|
I recently contacted Chase, a third party ( Equity Accelerator Program ) that was taking payments on my loan and forwarding to XXXX XXXX. I needed to stop the automated withdrawals according to XXXX since I was on my last payment and they would not accept an automated payment for the last payment. Chase requested my husband 's social security number in order to stop the payments ; however, my husband is not on the note and never has been, he is only listed on the mortgage since we reside in Florida. I tried to explain this to them and they refused to stop the withdrawal. I do n't think this is acceptable.
| 10
| 10
| 767,218
|
Money transfer, virtual currency, or money service
|
Coinbase unexpectedly sold XXXX dollars worth of my XXXX without notice or warning. The money is no where to be found and the support team has not resolved my case and it's been almost a 3 weeks. I did not authorized a sell transaction and there was no confirmation that this happened. Simply the funds are gone and I have no access to them. Please help
| 12
| 12
| 850,389
|
Credit card or prepaid card
|
Synchrony Bank Amazon has not returned the initial fees used to open a credit builder account in which the balance was paid in full.
| 1
| 1
| 362,689
|
Debt collection
|
I have never received any communication via email, mail, or phone to validate this debt and therefore dispute this debt against XXXX XXXX XXXX and XXXX. Also, upon further investigation, this company reports multiple ways with the credit bureaus. With XXXX, they report as XXXX XXXX XXXX. However, with XXXX, they report as XXXX XXXX XXXX. In the XXXX of North Carolina, collection agencies are required to be licensed and/or registered with the Secretary of State. XXXX XXXX XXXX is currently under a WITHDRAWN status.
| 5
| 5
| 180,350
|
Credit card
|
I have several times been unable to verify my identity by phone ( e.g. when traveling ) after answering several " identity verification '' questions. This has happened with XXXX different credit card companies. I have checked my credit reports and scores and while there are minor errors, my scores are good and there is no evidence of identity theft. I was unable to verify my identity to get the credit reports, however, and had to go through a friend who made a business inquiry to get the report. I am at a loss as to what to do : I suspect this is inaccurate information on one of the credit bureau 's identity verification products but I have no idea - the credit card companies ( XXXX, Bank of America ) wo n't tell me even which product they use to verify my identity. What do I do?
| 8
| 8
| 445,407
|
Debt collection
|
Phoenix Recovery Group which is not registered in the state of Florida to collect debt which is a violation " The FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Only debt collectors are required to register. '' I contacted the company several times and I am also in the middle of disputing this with the credit bureau. This company that is not even registered in the state of Florida to collect debts, which is a violation. Is trying to collect a debt that is not mine. I have told them countless times and provided documents that the credit bureau sent over and they still try and say that this is my debt when it is not. I do not owe XXXX XXXX XXXX XXXX. I owe XXXX dollars. They have been sent the intent to vacate letter that was signed by the apartment complex and show my balance as XXXX. This is very frustrating dealing with them and rude staff. I have let them take advantage long enough, They told me on a recorded call, " just send over the intent to vacate letter showing no balance at move out and we will remove this from your credit report. '' That was a lie! they still have not done so! I verified on XXXX XXXX XXXX that they are not registered. Not only are they harassing me about a debt that is not mine they have not right to even collect debts period in Florida!
| 5
| 5
| 875,664
|
Debt collection
|
I disputed multiple times this incomplete inaccurate false collection with Experian and requested investigation proof of wet ink signature no lawful results provided.
When requested verification validation letter via USPS certified mail the address provided per Experian to my surprise the letter came back undeliverable address, not a valid address, providing reports of false, inaccurate and incomplete info which is a violation of the fcra, not doing due diligence and not protecting consumers.
| 5
| 5
| 789,314
|
Credit reporting, credit repair services, or other personal consumer reports
|
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
| 3
| 3
| 623,795
|
Money transfer, virtual currency, or money service
|
I recently opened account with Chime ( online banking ) and my first direct deposit was made on XX/XX/2021. On XX/XX/2021 I started following Chime on XXXX and a Chime agent contacted me by DM on XXXX about some kind of money award so I thought because they offers {$100.00} per any referral costumer so I opened the link and looked like Chime log in so I put my info name, email, passcode, SS # to get in it didnt get it so I sent this person an DM as soon I did it my whole money was stolen. She wasnt a Chime agent and the link wasnt legit. So now my SS has been exposed
| 12
| 12
| 940,787
|
Credit card or prepaid card
|
On XX/XX/2020 my bill did not go through AMERICAN CREDIT ACCEPTANCE - account with 1 missed payment. I am kindly requesting AMERICAN CREDIT ACCEPTANCE to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
| 1
| 1
| 676,921
|
Debt collection
|
TO WHOM IT MAY CONCERN I AM WRITING IN REGARDS TO THE UNAUTHORIZED AND INACCURATE CREDIT OR REALESTATE DEBT THAT IS REPORTING ON MY XXXX CREDIT REPORT AND I WOULD LIKE FOR THE INACCURATE AND UNAUTHORIZED ACCOUNT TO BE REMOVED FROM MYXXXX CREDIT PROFILE
| 5
| 5
| 793,602
|
Credit reporting
|
I recently brought a new house in XXXX 2015. After buying the house throughXXXX XXXX XXXX XXXX they sold to mortgage to XXXX XXXX.
However, XXXX is displaying on my credit report, so it shows that I 'm payingon over XXXX dollars in debt. The house cost {$220000.00} and it showstwice on my report. XXXX has sent an control number ( XXXX ) the XXXX and Trans Union andthey have yet to correct the error. Since I have gotten denied credit because itshows I have to much debt. I request to have Primary removed or correctedASAP! Please assist me with this issues as the agencies have had over 3months to correct this error
| 4
| 4
| 991,834
|
Credit reporting, credit repair services, or other personal consumer reports
|
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
| 3
| 3
| 116,601
|
Money transfer, virtual currency, or money service
|
I had a brokerage account # XXXX XXXX I had an issue with their trading regulation. I decided to sell my position and when my trade were settled on XX/XX/2020 I decided to make two ACH withdrawal through XXXX XXXX. exhibit1 shows the returned ACH withdrawal.
I then decided to withdraw the entire balance 0f {$9700.00} as shown in cash withdrawal with Merrill Edge. I had contact a certain XXXX XXXX from the brokerage who walked over the phone as i was making the withdrawal online ; this occurred on XX/XX/2020.
On Monday XX/XX/20 I logged-on to Merrill Edge and found an overdraft charge for the amount I withdraw, even though It was my cash and all settled cash. I have been threatened by an 18 % charge on the assumed overdraft. I called on XX/XX/20 and talked to XXXX XXXX who assured me there was no overdraft ; on that same day I also talked XXXX XXXX who also assured me not to worry.
I logged -on to my account on XX/XX/2020 and saw the overdraft not cleared and that my own cash is now treated as a margin. I never had any outstanding margin balance and only draw the cash I deposited initially plus any profit I made o n my trades. Exhibit 2 is the last statement that show all cash was settled and there was no outstanding margin on XX/XX/2020.
I believe this is pure racial bias and lack of cooperation from Merrill Edge to resolve any issues I had with this account. I really need your help with this unnecessary problem that should not have taken place. everything I tried to do with the account does not seem to work
| 12
| 12
| 327,797
|
Mortgage
|
Buying a new modular home/ {$30000.00} down payment was paid months ago ( approx 6 months )! Financing in place with XXXX mortgage co. XXXX arrived to dealers lot early XXXX delivered to my property XXXX XXXX 2022! Now dealer wants money from mortgage co, dealer calls me to do phone interview w/mortgage co who wants to set up payment plan starting in 16 days... problem is the home has not had its final inspection from XXXX XXXX & no certificate of occupancy has been issued! Both sides are pressuring me to start paying for a home that can not be lived in!!!!!!!!!!!
I am not going to make home payments on a home I can't live in .. HELP
| 10
| 10
| 464,766
|
Debt collection
|
Since 2016, I have been the subject of harassment from Portfolio Recovery Associate located in XXXX Virginia for a debt I do not owe.
I have made several requests to Portfolio Recovery in writing for full validation of this debt including name and addresses of the original creditor, statements and contracts from the original creditor and other documents that can prove I owe this debt, but they were unable to do so. Why? because they can not prove this debt exist. In the meantime, they continue to damage my credit by reporting this false debt, which is a violation of the Fair Credit Reporting Act.
I ask that Portfolio Recovery either prove I owe this debt by forwarding proper validation or 1. Cease collection actions on this erroneous account 2. Delete false information from all three credit bureaus. I have enclosed documents to prove my case.
I look forward to hearing from the bureau.
Sincerely, XXXX XXXX
| 5
| 5
| 216,693
|
Debt collection
|
Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Experian on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
| 5
| 5
| 318,188
|
Debt collection
|
I am XXXX XXXX XXXX and im submitting this complaint myself and there is no third party involved. I XXXX XXXX XXXX XXXX, consumer, natural person, and original creditor of a checking account with J.P. MORGAN CHASE NATIONAL CORPORATION SERVICES , INC. d/b/a CHASE. XX/XX/2020 CHASE BANK furnished a fraudulent report. Due to this fraudulent report I have not been able to open a bank account or get a loan during these hard times. I was notified of this transgression of my rights, specifically 15 USC 1611 ( 1 ) 15 USC 1692 ( j ) - The Truth in Lending Act, I as a natural person possessing open end credit transaction plan was harmed by J.P. MORGAN CHASE NATIONAL CORPORATION SERVICES INC. d/b/a Chase adverse action taken against my rights, of which the civil damages pursuant to code 15 USC 1611 ( 1 ) are up to { {$5000.00} } civil damages pursuant to code 15 USC 1692 ( j ) are up to { {$100000.00} }.
| 5
| 5
| 903,385
|
Credit reporting, credit repair services, or other personal consumer reports
|
Yes, I have disputed several inaccuracies on my credit report to XXXX, Equifax, and XXXX about several derogatory items on my report as well as late payments that have been added to my report inaccurately. I have reached out to them to verify and remove these inaccuracies over 30 days ago. Based on the letters that I have sent them this was on XX/XX/2020. As I explain in my letter to them my previous letters haven't gotten a response either. Now they are not responding to the ones I have sent 35 days ago. The copy that I sent them were signed and attached was a copy of my driver 's license and copy of my social security card
| 3
| 3
| 443,196
|
Credit reporting, credit repair services, or other personal consumer reports
|
Transunion : inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have contact the company to see if they can provide proof that these inquiries where authorized by me they claim it will get resolved I explain to them to send me all the proof they have none I havent see anything removed nor proof that I authorized my information to be used.
| 3
| 3
| 623,845
|
Credit reporting, credit repair services, or other personal consumer reports
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On XX/XX/2022 I call my credit card company ( Capital One ) about my XXXX XXXX XXXX card not reporting on my credit file to XXXX. They told me that they were reporting and that it was XXXX fault that they were inputting it on my credit file. So I contacted XXXX they XXXX and investigation and they couldnt find the account on my file. XXXX told me that they cant report information that they didnt receive. I contacted Capital One back on XX/XX/2022. They started an investigation. I was asked to wait a few days and then to call back to get the results. I called back on XX/XX/2022 and was told that they had sent the bureaus a letter stating to delete the account from my credit file. I couldnt believe what I was hearing. So I asked why was that letter sent and the customer service agent couldnt answer my question. By now Im upset because Ive realized that this one card has been reporting to XXXX for years of me having this card and after I bring it to their attention ; they end up sending all of the credit bureaus the wrong letter. I actually had to dispute it on XXXX and it wasnt removed from my credit file, but I wasnt able to catch it before it was removed from XXXX. Ive called them more times than I mentioned but they didnt do an investigation everytime I called so they did not provide a report letter. The other times they did. So as of today XX/XX/2022 XXXX still trying to get this company to report my credit card on my credit file. This is pertaining to my Capital One XXXX XXXX card.
| 3
| 3
| 303,219
|
Credit reporting
|
I ca n't pull a free report from Experian without signing up for a XXXX Credit Report * FICO score AND it requires me to check a box to receive offers : Yes, send me important credit information and special offers from XXXX and other Experian companies.If I do not check this box, it will not process my request. I called the Experian customer service, and they suggested I go to XXXX. However, the same check box appears, and if I do n't check that box, *Yes, send me important credit information and special offers from XXXX and other Experian companies, I ca n't download the report. I do n't want to receive special offers and do n't want my email address sold.After calling Experian customer service, I was instructed to call back in a few hours, to XXXX, to request a hard copy to be mailed to me. This is very inconvenient process. Even if I did sign up for the XXXX dollar credit report, I would have to call back within 7 days, cancel my membership, but would continue to get emails from XXXX and other Experian companies.
| 4
| 4
| 608,019
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