| despite being continuously reported as delinquent. | 1 | 0.0% | yet the account contains material inconsistencies across credit reporting agencies and lacks required information to support its accuracy. The Date Opened is reported differently between XXXX |
| despite being duly notified | 1 | 0.0% | reflecting a serious case of identity theft.The continued reporting of these accounts with incorrect and unauthorized information has led to adverse effects on my credit report |
| despite being four months past the expected posting date.,,HSBC NORTH AMERICA HOLDINGS INC.,CA,94523,,Consent provided,Web,2025-01-03,Closed with explanation,Yes,N/A,11368918 | 1 | 0.0% | I sent another secure message to customer service. Their reply was : Upon checking |
| despite being fully aware of the issues. | 1 | 0.0% | I attempted many times to resolve the situation. The dealership repeatedly told me to come out here |
| despite being fully qualified for PSLF. | 1 | 0.0% | I have submitted complaints to MOHELA and have repeatedly called for updates. Each time I am told the issue is in process with no timeline |
| despite being in imminent default over several months | 1 | 0.0% | I received loan modification documents to sign and return by XX/XX/XXXX |
| despite being legally recognized under the Uniform Commercial Code ( UCC ) and Texas Finance Code 9.101 et seq. | 1 | 0.0% | LVNV requested and was granted a 60-day continuance to investigate the matter. However |
| despite being made by someone who presented a driver 's license with my name on it. I think this same false license could have been used to open the credit account with Chase. Alternatively | 1 | 0.0% | I informed Chase that someone had procured a false driver 's license in my name |
| despite being notified that the account is a result of identity theft. This is a violation of : FCRA XXXX Failure to block fraudulent data within the mandated time FCRA XXXX Failure to conduct a reasonable reinvestigation FCRA XXXX ( a ) ( XXXX ) No permissible purpose to access or report my information FCRA XXXX Furnishing inaccurate information to a consumer reporting agency It does not take more than XXXX days to complete a proper investigation or to comply with federal law. | 1 | 0.0% | I followed the proper procedures under the Fair Credit Reporting Act ( FCRA ) XXXX |
| despite being paid and closed. | 3 | 0.0% | TransUnion |
| despite being polite and requesting and explaining my case. If it wouldn't hurt my credit | 1 | 0.0% | I again called customer service |
| despite being problems that were not my fault. While the representatives that I have spoken with have been kind | 1 | 0.0% | I am extremely disappointed with this customer service and assistance with this issue. I have spent hours dealing with this and speaking to Bank of America employees |
| despite being processed by XXXX. I did not receive any notice of forbearance | 1 | 0.0% | FSA has still not processed my ECF within the standard timeframe of 3-5 weeks. It appears that FSA is not adequately handling manual form submissions like mine |
| despite being provided with all relevant details. These responses seem designed to avoid genuinely investigating and resolving my disputes in a timely manner | 2 | 0.0% | 30 days to delete if not verified / method of verification required 15 USC 1681e ( b ) /607 ( b ) : Must maintain maximum accuracy 15 USC 1681b ( c ) / ( a ) ( 2 ) : Must NOT furnish or report information without written authorization 15 USC 1681g/1681h : All information used in the investigation must be available to the consumer 15 USC 1681c : Obsolete accounts ( over 7 years ) MUST be deleted 15 USC 1666b : Late payment reporting requirements and verification FDCPA 1692g ( b ) |
| despite being told it was put in my account | 1 | 0.0% | my credit score has dropped hundreds of points. I have no credit left to use to pay utilities or buy food! I have no money to pay my doctor! My accounts are in collections and I may lose my house! Yet |
| despite being verbally communicated to me multiple times. | 1 | 0.0% | I have contacted customer service numerous times |
| despite both merchants denying the transactions.,,DailyPay | 1 | 0.0% | the transaction entry contains no merchant description |
| despite both my and my attorney 's trying to resolve this issue with her. | 1 | 0.0% | my initial complaint with them was NEVER resolved. I had asked them to forgive the approx {$930.00} they tacked on to my 2 months mtge payments which are in arrears |
| despite Cash App being the card issuer and dispute handler. | 1 | 0.0% | Cash App asserted that the merchant fulfilled its obligations and claimed that refunds were voided |
| despite changing the oil regularly. | 1 | 0.0% | totaling about $ XXXX as I recall. My thought was the vehicle would sell for much more which would eat '' the excess mileage fee. After all |
| despite clear evidence that this was fraudulent activity. | 1 | 0.0% | I contacted XXXX XXXX |
| despite clear notice and a court-directed opportunity to resolve this matter outside of litigation. | 1 | 0.0% | I filed a Temporary Restraining Order ( TRO ) in state court. During that process |
| despite clear notice and supporting documentation | 1 | 0.0% | Experian has failed to block and remove the following inaccurate and fraudulent addresses that I previously disputed : XXXX XXXX XXXX XXXX |
| despite clear proof that the services I paid for were not delivered. They allowed the merchant to submit questionable altered and forged documents as proof of service and made assumptions of what decision XXXX would make without even providing XXXX the document. | 1 | 0.0% | response to merchant documentation |
| despite clear statutory prohibitions and explicit notification of inaccuracies. This constitutes a direct violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Which unequivocally states that a person SHALL NOT furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The Complainant asserts that th | 1 | 0.0% | AMEX has not only failed to comply with my request for IRS FORM 1099-C CANCELLATION OF DEBT in connection with AMEX ACCOUNT XXXX XXXX {$2100.00} AND AMEX ACCOUNT # XXXX {$2600.00} |
| despite confirmation from BMG Money via email on XX/XX/XXXX and XX/XX/XXXX that my updated bank account information was received and applied. I had previously sent my updated bank account information via email on XX/XX/year> | 1 | 0.0% | when I called for an update |
| despite confirmation that XXXX had indeed contacted your company. When I requested to speak with the representative who had taken the payment | 1 | 0.0% | the prior homeowner |
| despite contacting American Express within hours of the issue | 1 | 0.0% | my partner referred me to a card she had |
| despite continued on-time payments and reduced balances. | 1 | 0.0% | a {$55000.00} reduction in revolving credit lines |
| despite countless calls and letters | 1 | 0.0% | which I did and thus fully performed under our contract in XXXX |
| despite defendants claims otherwise | 1 | 0.0% | N.J. Super. App. Div. ( per curiam ) ( XXXX pp. ) Plaintiff XXXX XXXX. XXXX appealed an order dismissing his XXXX-count amended complaint for failure to state a claim. The appellate panel affirmed the dismissal with the exception of XXXX counts. Plaintiff filed the complaint against defendants Ocwen Loan Servicing LLC and XXXX as Trustee. The complaint alleged that over the course of 22 years |
| despite Deuda Ceros assurances that negotiations were ongoing. As a direct result of their false legal advice and failure to act | 1 | 0.0% | Deuda Cero gave me false legal advice by instructing me not to attend court hearings for the XXXX accounts |
| despite documentation from XXXX dated XX/XX/XXXX | 1 | 0.0% | P.C . and/or XXXX XXXX |
| despite documentation of hardship and exempt income | 1 | 0.0% | email correspondence |
| despite doing everything right as a customer. | 1 | 0.0% | as it negatively impacts my credit growth and use of my own credit profile. I am formally requesting : 1.Graduation to an unsecured credit card 2.A proper credit limit increase review 3.Clear written explanation of what criteria I am failing to meet |
| despite earlier promises to the contrary. I explained the fact that I had been promised one | 1 | 0.0% | I contacted Citi Bank via phone to close my AAdvatage Citi Card due to horrendous customer service. Instead of closing the account |
| despite eventually agreeing that I was owed a refund in all XXXX disputes | 1 | 0.0% | my XXXX account ceased functioning properly. This is very troublesome as a XXXX adult who struggles to shop in the store. After the dispute |
| despite everything Ive done to try and resolve this.,,JPMORGAN CHASE & CO.,NV,89102,Servicemember,Consent provided,Web,2024-08-24,Closed with explanation,Yes,N/A,9898445 | 1 | 0.0% | her Social Security card |
| despite full compliance with the accounts terms. Under FCRA 611 ( a ) ( 5 ) ( A ) | 3 | 0.0% | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
| despite full cooperation and full settlement payment made three months ahead of schedule. | 1 | 0.0% | due to the inaccessible billing methods and the severity of my XXXX |
| despite fully cooperating with the verification process. | 1 | 0.0% | on XX/XX/year> |
| despite having a copy of the Court order and this information being easily accessible online. A quick online search of Massachusetts Court Records would easily verify that the case was heard and dismissed. Today | 1 | 0.0% | I disputed this account with TransUnion. On XX/XX/XXXX By certified mail |
| despite having a phone system set-up | 1 | 0.0% | I receive no call |
| despite having a positive balance of {$62.00} and transferring and additional {$80.00} | 1 | 0.0% | for example |
| despite having adhered to the payment arrangement. ( See the credit report attached that reflects this ). | 1 | 0.0% | I received email communication from Credit Acceptance indicating they were providing relief options. I contacted them and agreed to make half of my monthly payments as a temporary accommodation. ( Email is attached ) - Issues with Reporting : Despite this agreement |
| despite having already decided to lower my credit limit | 1 | 0.0% | XXXX XXXX contributed to my lack of creditworthiness |
| despite having already stated these addresses are not mine and never were. This redundant and unreasonable request is a clear obstruction of my rights under FCRA 1681i ( a ) | 1 | 0.0% | XXXX acknowledged and deleted XXXX inaccurate address and XXXX false name ( XXXX XXXX '' ). However |
| despite having already updated it on the Website for my account. | 1 | 0.0% | I found the charges had been credited and debited multiple times |
| despite having been previously removed. | 3 | 0.0% | under FCRA 605B ( 15 U.S.C. 1681c-2 ) |
| despite having experienced one of the largest data breaches and proving they can not safely handle consumer information | 1 | 0.0% | Equifax placed a block on my credit report |
