Date Received: 2024-02-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This my third ( 3rd ) time telling you that report is false, there are invalidated, inaccurate, and misleading items thats stressing me out. There are two laws which you are breaking 15 US Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 US Code 1681e ( b ) - Compliance procedures maximum possible accuracy. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. Trying to collected on false/alleged collections accounts Is a violation of my rights per 15 US Code 1692f ( 1 ). Please permanently delete : XXXX XXXX XXXX - Account number : XXXX Also with XXXX XXXXXXXX and my XXXX XXXX XXXX XXXX appears to have reported an late payment on my account which Is both an billing error violation and reporting error violation. Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended. Such reporting has not been validated which Is my right per 15 US Code 1692g ( a ) ( 4 ) and 1692g ( a ) ( 5 ). I asked that you please permanently delete this Inaccurate reporting : XXXX. XXXX XXXX- Account # Account number XXXX XXXX. XXXX XXXX XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX - Account number XXXX This type of reporting is false and misleading, as these alleged soft inquiries, hard inquiries, and promotional offers were not authorized so 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ) stated they be deleted. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Transunion didnt read the information properly from a typed letter dispute. From that, instead of Transunion investigating the original inquiry they completely ignored the item I wanted to dispute and disputed & removed a positive and open credit line. Simply because the first few numbers of the account were similar. They admitted that the system must have scanned the letter and assumed it had the correct account. Instead of fixing the error that Transunion caused they refused to investigate properly and claim that they can not do anything to help me, even though they admitted the error was theirs They blame me and want the original creditor to fix their error
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08876
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted Transunion about a collection account from XXXX XXXX XXXX being placed on my report. I received nothing from XXXX and did not know why there was a collection account placed on my report. Since I did not have or receive any information from XXXX, Transunion provided me with a contact number. I called XXXX three times and left a message to have someone contact me due to not being able to speak to someone at the time. To this day I have not received any correspondence from XXXX or received a phone call. I called Transunion again and they informed me A dispute would be sent to XXXX and I would receive an update within 30 days. It is not over 60 days since the call to Transunion and the collection is still on my credit report. I have yet to receive any update from Transunion as well as from XXXX. I am asking CFPB to please assist in this matter. I was not provided a change to speak or view the document XXXX had before placing it on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75061
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I bought my used car from XXXX XXXX in XXXX XXXX in XXXX of XXXX. I had added a Gap warranty when I bought the vehicle and was told if I wanted to cancel this warranty at any time I could give their office a call and I would be refunded the amount for the gap warranty so that my payment would go down to meet the new balance without the added gap warranty. This was not the case. Unfortunately for me this business dissolved out of the blue because they were bought out by XXXX XXXX XXXX in XXXX of XXXX just before I bought my vehicle but I still bought the vehicle through XXXX XXXX in XXXX of that same year not knowing they were being bought out. I called later to cancel my Gap warranty with them and they were confused and didnt know what I was talking about saying this was not possible. I told them what I had been told by the man that sold me the car at XXXX XXXX and they told me there was nothing they could do for me. I drove to the location and walked in to talk to a supervisor, a woman came and sat my fianc at the time down to talk. We explained to her the issue and she reassured us that we could cancel the warranty no problem. We walked out feeling confident that it was finally canceled. We later saw our payment was still the same as it always has been, we called XXXX XXXX and they told us after transferring us several times that they couldnt cancel the warranty without written request. I explained that it was supposed to have been canceled and that the woman supervisor told us she had made it so when we had sat down with her, this was false. In XXXX of XXXX I had accidentally set up two reoccurring payments. This is what happened : I had the XXXX XXXX app on my phone that I had set up an account with so I could easily access my statements and look at my payments. My payment in my contract was to be {$340.00} monthly due on the XXXX of each month. I had gone on to the website www.toyotafinancial.com to access my account and found that there were no automated payments set up for my loan. I panicked and was worried that I was going to miss a payment and wasnt sure why it showed no automatic payments set up so I set up automatic payments on their website with my account. I set up the payment for the XXXX of each month, not knowing that the app and the website was not connected at all. I ended up paying {$340.00} XX/XX/XXXX, then again XX/XX/XXXX, then again XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I had gotten confused and I didnt realize this was happening. Because I had made double payments for two months in a row, I was not charged until XXXX of XXXX. I tried to fix this issue and I wasnt sure why I was being double charged. When I logged into my app I had an automated payment set up the XXXX of each month for {$340.00}. Why was the other {$340.00} being pulled when I had already paid the monthly statement? In XX/XX/XXXX I called and no-one could assist me and whoever I talked with was also confused. I thought they helped me solve the issue till I got double charged again in XX/XX/XXXX. I called once again and a representative finally picked up on the issue. She told me that the website was not connected to the app that it was a separate. Which made no sense because I use the same login information to get on to both accounts under XXXX XXXX ( XXXX XXXX website and XXXX XXXX app ) and they are the same company under the same loan account. So because I had one automated payment set up online through the XXXX XXXX website and an automated payment set up under the XXXX XXXX App it was double charging me. In XX/XX/XXXX I paid three different times, {$150.00} XX/XX/XXXX, {$340.00} XX/XX/XXXX, and {$250.00} XX/XX/XXXX. Because of this overpayment XXXX without notifying me changed my monthly payment for 6 months in XXXX from XXXX XXXX XX/XX/XXXX. XX/XX/XXXX my statement said I owed {$290.00}, but I continued to pay {$340.00} from XXXX XXXX I now see that XXXX was taking {$55.00} off of my monthly payment each month ( changing my monthly payment to {$290.00} ) due to the multiple payments I had done in XXXX. I didnt realize that the statement balance changed till XXXX when I went to change my payment date from XXXX of each month to the XXXX of each month to make it easier for me to make the payments closer to when I get paid ( I get paid biweekly ). I see that the statement said my monthly payments were in fact {$290.00} and not {$340.00}. I changed it so that I was paying $ 290 monthly on the XXXX of each month to reflect my statement. This is where it all went downhill. Thinking I was making things easier on myself and not understanding what I had done. From XXXX - XX/XX/XXXX my statement changed back to the original {$340.00} even though for the past 6 months I had a statement each month stating I owed only {$290.00}. Why did it change? I didnt understand and no one could help me when I called XXXX XXXX. My husband noticed that his Credit Score dropped XXXX to XXXX because XXXX was reporting my account delinquent, saying I had not been making payments since XXXX of XXXX when in fact I was making payments. I hadnt missed one payment. But the change in the monthly statement confused me, what was happening? They had sent me a billing statement in XXXX stating I was overdue {$100.00}. And XX/XX/XXXX I was overdue {$160.00}, I didnt know what was going on. I called and someone told me I could make a payment to correct the overdue payment amount, so on XX/XX/XXXX I paid {$160.00} and then paid {$340.00} on XX/XX/XXXX. Thinking I was all caught up, I checked the credit scores and XXXX still reported that I was delinquent in the month of XX/XX/XXXX despite me being caught up on payments. I have tried several times now to talk with someone at XXXX XXXX and they have run my husband and I in circles. They are either confused about the situation or tell us they cant do anything to fix the issue unless we write a written complaint. XX/XX/XXXX my husband and I had talked to a woman and we were put on hold several times so she could talk with conflict resolution specialist. The representative got back to us at one point asking how are you making payments towards the principal? in a shocked tone. We were not getting anywhere and we didnt know how else to explain it to her so my husband asked to speak with a supervisor. The representative politely told us she would get them on the phone. After waiting for several minutes she tells us that the supervisor is not available. She tells us we need to pick a time for the supervisor to call us back. We said XX/XX/XXXX at XXXX would work for us. That time rolls around the next day, we received no calls from XXXX or a supervisor. I called at XXXX to figure out what happened, the woman we spoke to said that supervisors take up to 72 hours to get back to customers. This was not what had be discussed the day prior. The woman transferred us over to a conflict resolution specialist who proceeded to run us in circles once again, she kept repeating that she couldnt do anything and that everything on her end showed correct and that they will report to the credit bureau that our account is delinquent if we didnt pay the full amount of the monthly statement despite having been corrected and paid. Which my husband replied that if we would have known, gotten a call or an email from them that we would have paid it but that we were unaware and even after we fixed the issue its still showing up that we are delinquent. I cant transfer my account to another bank because now I have a poor credit score due to this issue and because of this I cant get a interest lower than 11 %. Now I am stuck and I cant afford to loose anymore points of my credit score even though it was being falsely reported. I have been having issues with this company from day one and once I can move my loan I will be leaving XXXX XXXX and never coming back. Ive never experienced worse business, worse book keeping, worse customer service resolution. I would have been fine if they had just reached out to us first before reporting the the credit companies and said that they would resolve the miscommunication and misunderstanding with fixing the reports to the credit bureau so that it didnt tank my and my husbands credit scores. Now we cant afford to move and get an apartment or trade in our truck.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This my third ( 3rd ) time telling you that report is false, there are invalidated, inaccurate, and misleading items thats stressing me out. There are two laws which you are breaking 15 US Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 US Code 1681e ( b ) - Compliance procedures maximum possible accuracy. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. Trying to collected on false/alleged collections accounts Is a violation of my rights per 15 US Code 1692f ( 1 ). Please permanently delete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears to have reported an late payment on my account which Is both an billing error violation and reporting error violation. Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended. Such reporting has not been validated which Is my right per 15 US Code 1692g ( a ) ( 4 ) and 1692g ( a ) ( 5 ). I asked that you please permanently delete this Inaccurate reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This type of reporting is false and misleading, as these alleged soft inquiries, hard inquiries, and promotional offers were not authorized so 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ) stated they be deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I recently received notification that my complaint was closed without any further resolution. This outcome has left me disheartened, as I believe a more thorough examination of my concerns is necessary. In a situation where inaccuracies impact one 's credit report, it is only fair to expect a diligent and comprehensive resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A